23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

hi my name is XXXX XXXX, and I have been a customer of capital one for over a year, I had my identity stolen, and I reported this to my local police department. After viewing my capital one statements, I noticed alot of fraudulent charges were on both of my credit cards that I hold with CAPITAL one, so I called to report these numerous of transactions, I was told bye Capital One team members, that they would do an Investitation, for 30 days and they would then refund me my funds, however they only refunded a few fraudulent charges per card, after calling them numerous of times, But still they have not refunded me for all fraudulent charges, but they advertising zero fraud libility, this is false advertising, however Capital One changed my credit cards numerous times after the fradulent activities had already taken place. This is totally not fair to me as their customer, to continue to pay for these fradulent charges.Everytime I contacted them about these charges, they told me that they would have a team member of their management to contact me, but unfortunately no one never called me to resolve this matter I am very upset with them, I am XXXX, and is not able to keep paying these fradulent charges. I continues to make my monthly payment to them on time, so it would n't damage my credit anymore than it has already.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019, several attempts were made to request that Comenity Bank/XXXX accurately report the status of my former account as " paid ''. Disputes were submitted to credit bureaus and requests were made to Comenity Bank. 

Comenity Bank has continue to inaccurately report the status of this account, even though it was sold to another entity, and subsequently paid. The account is not in a current " charge off status ''. I was given assurances that this status would be removed, and updated to " paid ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with XXXX, XXXX and experian, and still the inquires are still showing up on my reports. I have inquiries from XX/XX/XXXX all the way up til XX/XX/XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following account " XXXX XXXX XXXX XXXX '' was PAID IN FULL and is fully paid off! I am demanding the deletion of the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding the removal of the following UNAUTHORIZED inquiries : 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

Letter submitted to XXXX on XX/XX/XXXX via XXXX online dispute portal XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, Early Warning, XXXX, and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. Having the above-mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. 


I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX
Product: Credit reporting or other personal consumer reports

I requested written confirmation that the subject collections be removed, as they are direct violations of the Fair Credit Reporting Act, in that the alleged collections did NOT arise from any credit transaction, and should not be reported on any credit report. The bureaus failed to comply, and the misrepresenting collections remain on these credit reports. 
Further evidence of the collections not arising from any credit transaction includes the following : - No reported high balance.

- No reported Credit Limit.

- No contract was signed or otherwise agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.

15 usc 1681 states : I the consumer have the right to privacy. 

Pursuant to 15 usc 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I have never given any company written permission to furnish a report about me. 

Pursuant to 15 usc 1681c : no consumer reporting agency may make any report containing any adverse action other than convictions. 

15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any CRA if the person knows or have knowledge that information is inaccurate.

Pursuant to 15 usc 1635 if a consumer contacts the creditor within the allotted time the consumer has no liabilty for contract. 

DELETE ACCOUNTS THAT VIOLATE MY FEDERAL RIGHTS BELOW. 
XXXX XXXX ACCT NUMBER XXXXXXXX XXXX XXXXL- agreement number XXXX I have no contract with this company. please provide a contractual agreement between XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed a certified letter to this debt collector on XX/XX/year> disputing an incorrect account reporting on my report. I asked for specific items to validate the account is mine and I have not received anything that validates this account is mine and that I am the rightful party that the debt belongs to. I also mailed a letter to all 3 credit bureaus ( XXXX, XXXX XXXX XXXX ) on XX/XX/year> asking them to investigate this account for me & get back to me within 15 days and I have not heard anything back from the debt collector nor the credit bureaus. I would like to have this account investigated and if the account can not be validated, I would appreciate it if it were deleted from my report as the law states it should.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX VEROS CREDIT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed a copy of my report and noticed XXXX had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Product: Debt collection

Good Evening, I am an XXXX Veteran XXXX XXXX XXXX has sent a put a debt on my cr3it report for {$5300.00} plus dollars for a home, I vacated and left the premises on XX/XX/2017. I have a signed statement, from them via XXXX, releasing me from said property, I never lived there, anytime after the XX/XX/XXXX. I have the signed document, stating these facts. I have asked them to remove this from m6 credit report, they have threatened to sue me. I am XXXX XXXX   XXXX veteran, who only receives va n social security for XXXX, XXXX, XXXX XXXX, XXXX, THEY CALL AND HARASS ME, I HAVE TOLD THEM TO CHECK THEIR FILES..the attached document shows, I did live there, m6 credit score dropped many points, I am asking them to remove this, as it is causing me extreme stress, and I am unable to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet.I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Product: Student loan

Hi CFPB, I 'm writing in furtherance to my previous complaint  XXXX . Navient 's response did n't address my concerns. I 've found out that when I make a payment that only {$2.00} goes to principle. Everything else goes to interest. I 'm  XXXX  now. I 've been making payments for a long time. I 've had my loans consolidated before and I do n't believe I was given accurate information on how this would effect the balance of my loans. They have not gone down at all. I believe that Navient failed to disclose the necessary terms of the student loans repayment and that the interest rate just resets itself. I can not keep making these types of payments. I think I 've been misled.   XXXX  Thank you for all your help!!
Product: Debt collection

Nationwide Credit called my cell phone on XXXX and asked for my mother, XXXX XXXX. I explained that she is XXXX XXXX XXXX, very ill and in hospice care and she does not live here, and her only income was social security that she does not even get anymore. I explained that I am her daughter, this is my personal cell phone number and please do not call me again. On XXXX XXXX called again, I explained again that I am not XXXX XXXX and that is my mom and she does not live here, very ill, etc. the representative was very rude and called me a XXXX as she disconnected the line. On XXXX Nationwide called again, I explained for the XXXX time that I am not XXXX XXXX, this is my personal cell phone. I also told them that is this is the XXXX time that you have called asking for XXXX XXXX and to not call me anymore. Approximately XXXX minutes later I called Nationwide Credit to make sure that they remove my number from there database. They said I am not in there system, I explained I know I am not in your system but my mother XXXX XXXX is and she is who keep calling my cell phone for. Nationwide said they can not remove me as I am not in there system. I am tired of Nationwide harassing me. It is difficult enough to face the upcoming passing of my beloved mother, I should not be subjected to XXXX from Nationwide Credit.
Product: Student loan

I used my credit card rewards points to get two checks, made out to XXXX. This was in XXXX 2014. The checks were for {$250.00} and {$50.00}. They were XXXX sent to XXXX address. This was after the official split of XXXX and Sallie Mae XXXX I think XXXX. XXXX checks posted as payments to my Sallie Mae account, which I did not want XXXX my school is helping to pay for the Sallie Mae loan ). I called Sallie Mae, and they were able to reverse the payment, telling me it would be paid to XXXX. They did so, and my loan amount increased by the requisite {$300.00}. But XXXX never got the money -- or so they say -- and never applied the {$300.00} to my loan. Now I am out the whole {$300.00}. I called the companies twice ( once we did a conference call with representatives from both XXXX and Sallie Mae XXXX. They have been unable to resolve it and have not responded to me.
Product: Checking or savings account

My account was closed back in XXXX without me being made aware that there would be a hold placed for a while before the actual closing. I was told by a supervisor in the Michigan office as well as a customer service rep that I would be able to go to the branch and withdraw the remaining funds from my checking and savings. When I went to the XXXX branch the teller told me she saw a note on the account that I could withdraw my funds. She then proceeded to say " no let me call '' She called whoever she called and they told her I could not withdraw the funds and that I would need to wait for a dispute to be settled and that if I wanted to " save '' my account from closure I would need to submit the receipt from the purchase that I disputed because they needed confirmation that I paid for said purchase with my card. I asked her why and it shows on my statement that I paid with my card- fast forward I wait I've been calling Huntington ever week for almost two months now. They tell me there is a remaining balance is the checking and savings and I would receive a check for the remaining balance on both. It is now XX/XX/XXXX and I still have not gotten my funds. They let me withdraw {$160.00} that was left over after printing the checks. Which they could have just let me get everything to begin with and this wouldnt be an issue. First it was you owe the bank {$800.00} some odd dollars to oh well your check has been mailed. The check for {$82.00} was delivered but to the wrong address. AFTER I'VE GIVEN HUNTINGTON BANK MY CORRECT ADDRESS NUMEROUS TIMES. I was sent to an address I haven't lived at in 3 years. I was told that I would receive the other check from my savings on XX/XX/XXXX. Someone called me about a complaint I filed with the bank itself she said she listened to the numerous calls I've made and HEARD HUNTINGTON EMPLOYEES GIVING ME MISINFORMATION. Here it is XX/XX/XXXX and I am just now being told that my check will not be delivered today because it was JUST mailed on XX/XX/XXXX. I AM EXTREMELY upset being that all of this could've been prevented from the very beginning. if people just took the time to research and issue and get the correct information this wouldn't be an issue. I have been waiting nearly two months for MY MONEY. Everyone says I'm sorry but no one has a solution. I am transitioning into a new job ; I have a child and I have things that need to be paid for in the meantime of Huntington playing games with my money. Because now it's making me look bad giving these bill collectors the run around because Huntington decided to close the account. There is never anyone that can give me proper information or even a solution to an issue they themselves caused and I am fed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XXXX & XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached an idenity theft report which list the fraudulent accounts and hard inquires in question. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts collections, and hard inquires are the result of identity theft and fraud.
Product: Debt collection

I have lived in XXXX XXXX, SC for the past two years, not XXXX, SC which is two hours away. My credit report, of which I check monthly, states a collections account by National Credit Systems IncXXXX that I owe {$240.00} to XXXX XXXX. A creditor of whom I have never heard of, been to, or been associated with. I have not been contacted by this creditor by phone, email, or mail. I have never heard of a XXXX XXXX of whom they are saying I have a joint debt with. I have not owed any debt to any rental property company for the past 12 years of renting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from XXXX  and noticed a student loan that was placed into collections with a balance of XXXX dollars. I disputed this with the credit bureau and they were able to verify this account and suggest that I reach out to the creditor. I reached out the creditor on XX/XX/XXXX requesting what the money was owed for, how the calculated the amount I owe, and copies of any papers showing I agreed to pay what they say I owe. They have not responded in the 30 days allowed. This company is in violation of the fair debt collection practices and violation of the fair credit reporting act by not providing me this information.
Product: Debt collection

TRANSWORLD ACT # XXXX THIS IS NOT MY DEBT TO BEGIN WITH. I ATTEMPTED TO CONTACT AND DISPUTE THIS WITH THE CREDITOR, THEY RUDELY DIRECTED ME TO WRITE TO THEM BUT LETTER CAME BACK REJECTED AND UNDELIVERABLE ... TRANSWOLD IS NOW CALLING ME AT XXXX AND STARTING XXXX AT MY HOUSE AND WORK AND THREATENED TO MY ASSISTANT THAT THEY WILL GARNISH WAGES AND SEND A SHERIF TO ARREST ME IF SHE DIDN'T PAY THIS DEBT TO THEM. THIS IS REDICULOUS AND SHOULD NOT BE LEGAL AND SHOULD NOT BE ALLOWED PLEASE HELP ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and seen various fraudulent accounts. I need these fraudulent accounts removed from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX XXXX Experian reported a hard inquiry from XXXX XXXX on XX/XX/2021 that should not be on my credit. I did not give XXXXXXXX XXXX authorization to run my credit a 2nd time for a home loan. XXXX XXXX  stated that the inquiry would be a soft inquiry because of a mistake made by XXXX XXXX. 

A hard inquiry by XXXX XXXX  by XXXX XXXX made a mistake on XX/XX/2021 by submitting a hard inquiry using " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' XXXX XXXX  stated the error was theirs. Still, XXXX XXXX  allowed the double hard inquiry to stay on my credit report instead of removing it. I need the second inquiry removed from my credit report from all three credit bureaus.