23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 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.
Product: Credit reporting or other personal consumer reports

Ive requested verified documentation of the information being reported on my credit report to only receive false investigation results and letters attempting to stall my request, Ive sent via certified mail documents to Experian including signed statements, request to remove false information along with my photo ID and a letter from my mortgage company to verify my address and full social security number. Ive received over XXXX letters back saying they believe I did not request the investigation and Ive responded several times saying it was me who submitted the request. Experian is not following FCRA guidelines with proper investigations and has deliberately stalled my disputes causing my score to decrease and cause me to be denied credit. They have also denied me access to the documentation that these creditors are reporting to my credit report. I want factual evidence of the accounts Ive disputed from the original creditors on my credit report that it is being reported correctly. 
XXXX XXXX # XXXX, XXXX XXXX - XXXX BANK # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX BANK # XXXX, and THE XXXX XXXX # XXXX has violated my rights.
Product: Debt collection

Transworld Systems Inc Is continuing to report on my credit report despite my demand to cease and desist all forms of communication and reporting. Updating the reporting to disputed does not satisfy the cease and desist and deletion. Credit Reporting Is Attempting to collect. I did not request a validation of debt. I am outright denying any obligation to pay. No such contract exists between Transworld Systems Inc, nor the creditor and myself XXXX : XXXX. Please consider this notice a pre-litigation notice. Actual damages will be sought.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account with transunion agencie and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of the paid off certification from the bank. Trans Union indicated directly by phone that Bank letter that certified account was paid in full and closed is not acceptable. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account, and not investigating deeply about the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the following accounts to all 3 credit bureaus : XXXX - {$1900.00} XXXX - {$1200.00} XXXX XXXX XXXX - {$2000.00} XXXX - {$180.00} XXXX - {$240.00} These accounts were reported on the following dates : XXXX/XXXX/2020 XXXX/XXXX/2020 XXXX/XXXX/2020 XX/XX/2020 XX/XX//2020 Each letter I sent to the credit bureaus have been with no response. 

I sent letters exercising my rights to request identifying information about these accounts. I also sent letters to exercise my rights to request the method in which these accounts were verified. I have not received anything from the credit bureaus. I always allow sufficient time for my request to be investigated but they are never done.
Product: Credit card

On XX/XX/XXXX I contacted Sychrony Bank about my Amazon.com store credit card. They claimed that they refunded me {$1400.00} back to my card. I sent them the statements and tracking number showing them that I have not received any the refunds. They refuse to help me on this matter and I am looking for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES, AND INACCURATE ADDRESSES from my credit report immediately.
Product: Debt collection

The above selected categories are not exactly what has happened, they are the closest to identifying it. 
I am repaying a medical bill thru automated deduction from my bank account. Medical Data Systems is the bill collector. I began the repayment in XXXX. Yesterday, I noticed my credit score dropped XXXX points XXXX, due to another medical bill for XXXX, it showed the reporting entity as Medical Data Systems. I called MDS and " XXXX '' told me that yes, they reported it, and it was for the bill I am currently repaying!!! That company policy is double reporting every month. This additional posting will remain on my credit report for 7 more years. This bill is the last one from XXXX when I had XXXX, I have been paying off bills for 4 years. When I expressed my outrage and that I would be filing a complaint, he offered me a " settlement ''. A onetime payment of XXXX today and they would wipe out the balance. However, they would not remove the double posting and would not restore my score. Well, I do n't have XXXX today and when I told him that, he asked me if I could ask a family member or a friend for the money ... ..Since the initiation of the repayment agreement, I have not missed or been late. I find this behavior incomprehensible. Too many entities have access too and the ability to effect your credit negatively. It takes a literal act of congress to reel these entities in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Countless, time after time I have asked Experian to investigate not verify these accounts that are on my credit report. I keep getting the same old message that the accounts have been verified. XXXX is not a form of investigation. I have numerous accounts that have been opened in my maiden name. I been under XXXX for 23 plus years and still remain XXXX presently. I have reached out to the creditors asking to send me a signed credit agreement with my signature showing that I agreed to these erroneous accounts. There is also bankruptcies that Experian states was verified but I know is not true because bankruptcy do not report to third parties nor do they give out information via phone. Experian has constantly told me they will not reinvestigate my disputes which is against the law. Accounts have been removed and put back on without valid investigation. I have sent in I D theft affidavit, I made a police report years ago back in XX/XX/2012. I am at my wits end with Experian thinking they can do as they please. Experian has had massive data breaches and was never told. No one consumer should have to endure this foolishness with these credit reporting agencies, especially when the burden of proof is on them. Consumers cant provide any paper work or contracts if there was never one signed. Online credit applications should be banned unless proper identification is mailed in. XXXX XXXX and XXXX XXXX need to be removed. Till I can get this I D theft situation resolved and all these accounts with the last name of XXXX removed these accounts are : XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, both total accounts, discover was removed and put back on without my investigation, XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX. Please do not close my case and send a duplicate letter stating Experian is handling this situation. I have tried to resolve this with Experian and this is my last attempt before filing a lawsuit. I dont need cpfb to be the middle man I need cpfb to fix the situation asap for this is damaging my score tremendously. While disputing these accounts need to be removed by law. Do not put anything in my REMARKS column unless I authorize it. That is for the consumers!
Product: Credit card

While making my payments, I noticed that the total amount of my payment is automatically added to my available balance, but none of it goes toward reducing my principal balance. This means that every time I make a purchase with my Capital One card, I am essentially using my own money. When I initially signed up with Capital One, I understood that payments would go toward reducing both the principal and the interest on the balance. However, in this case, 100 % of my payment is being applied to my available balance, not my principal balance. As a result, the principal balance remains unchanged, but the available balance increases by the payment amount. Furthermore, I am still being charged interest on this credit card every month. 

I attempted to call Capital One on numerous occasions, and is unable to reach a rep. Their system keeps forwarding me to the online. Inquiry.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX have been reporting bankruptcy to the credit bureaus. 
The courts do not report any information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX are showing a XXXX XXXX and XXXX  XXXX bankruptcy on my credit report that they have stated that the data Furniture of the information is a XXXX Bankruptcy XXXX in the XXXX XXXX of Texas. I have reached out to the bankruptcy court and they have sent me a letter which I have attached test clearly states that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate any bankruptcies with any other outside companies. I have challenge this information repeatedly with all three credit bureau, and they have refuse to remove the information from my report. These companies are falsely reporting this information, and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in his cost me several opportunities of employment with very reputable. The display of this information is also cause me to be lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.
Product: Credit card

XX/XX/2023 I signed up for credit protection program with Indigo and Destiny credit card. Credit limit of {$300.00}. In XX/XX/2023 I was unemployed, I applied for the credit protection plan and the company continued to state that I was not within the 30 day consecutive working period to qualify. I did file a complaint with CFPB and I received a response from the company but as of now I do no see it stated as a complaint with CFPB. 

I responded to the company stating and citing that their terms were ambigious. They are saying you have to work 30 consecutive days in order to apply or qualify for the program. I was 22 days out of work and applied they denied my credit protection understandable I applied again in XXXX and XX/XX/2023 I believe still was denied. The compnays terms does not state you have to be EXACTLY out of work 30 consecutive days not one, two, three, etc. days or but exactly 30 then apply. If you are not 30 days exactly out of work they will not honor your credit protection. Meaning if at midnight on the 31st day and you apply they will not honor their credit protection program Which i stated will cause the consumer to be late, their company can and did in my case charge very high late fees totally {$80.00} for one late fee charge and this goes against your credit and credit score and is a tumbling block of financial disaster and the only person gaining in Indigo and Destiny because now you are forced to pay these extra fees to get your credit settled. When in fact ( as I explained in my letter ) they could have accepted your claim on day 30 exactly and honor their program.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of XXXX XXXX. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently applied for credit twice and both times I have been denied due a public record recording on my file. My most recent denial states the only reason I was denied credit from XXXX was * A credit obligation related to a bankruptcy or financial couseling plan was recorded on your credit bureau report. I have spoken to a XXXX XXXX supervisor who stated there is a bankruptcy showing on my credit report. I have submitted a letter to XXXX in XX/XX/2019 indicating I do not have a Bankruptcy in my name from the county on file. As of this compliant, this bankruptcy is STILL on my credit report ( s ). This bankruptcy just recently appeared on my credit report within the last year. XXXX  shows on their report they are obtaining their information from a 3rd party Consumer company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced the cyber security incident one of the largest in the history unauthorized data breach occurred from mid XX/XX/XXXX-JXX/XX/XXXX the incident was discovered by Equifax XX/XX/XXXX my data was breached from mid XXXX XXXX- XX/XX/XXXX. And I want to be compensated the amount of ( {$25000.00} )
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of inaccurate accounts from my credit report. Could you verify the documents, please? Some of the listed accounts are erroneous, and it's unsettling for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened an account with Capital One and noticed that a late payment ( 30 day ) was placed on my credit report. I called Capital One and they found it and could only give me information that the card ended in XXXX. That account does not belong to me. I was asked for my social and date of birth and it did not match my information as well. I need this item removed from my credit report ASAP as it does not belong to me.
Product: Debt collection

On XXXX XXXX 2023, I called Capital One at the phone number on my billing statement to make an offer to settle up my total dept. and pay it off. 
The person I spoke to at or about XXXX XXXX XXXX  was XXXX XXXX. 
He got permission from his supervisor to except my offer to settle the account for a total of {$4000.00}. He mentioned I need to get them the payment within 30 days and close the account. They explained to me the methods I could use to pay this amount to them and I agreed to the terms. 
Then days later I get a Collections letter with Capital One logo that is dated the day after I made the call and both parties greed on a settlement. The letter stated that they have sold my account to a company and transferred my account info to them. Yet the letter states that they are pursuing for a balance over nine thousand dollars. Which is more then even the stated amount that I was told I owed while on the phone with Capital One. 
Clearly Capital One is in default of our phone agreement binding to settle and is playing an illegal game. 
The letter says NOT to send Capital One future payments.
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX bal. {$280.00}
Product: Mortgage

We started this equity loan at end of XXXX, with New Rez, XXXX XXXXXXXX XXXX XXXXXXXX, they said it XXXX take approx XXXX weeks. At first, they answered my questions and took my payment for online appraisal. After many weeks, no call back or email until after I said I was going to report them.Then they asked for proof of my husbands business that has not existed since XXXX, sent them our last XXXX XXXX XXXX XXXX. Then they asked about another loan that popped up " somehow '' as its not on any of our credit reports, so told them we thought it was included in our XXXX in XXXX. Then they said we didnt send taxes for XXXX, I said look again because I sent it.After sending XXXX taxes again, she said she found it. Then still no updates, I left a few voicemails and also sent email, got a response that she hopes to call us later that day. Still no call, no email. Then they sent another set of same esign docs with no explanation, just need you to sign again. So we did that same day. We have never not answered or given them what theyve asked for. Yesterday, we get a letter showing a different amount of loan originally offered without notice of the change in the mail saying " principal reson for denial : Insuffient funds to close the loan '' what does that mean? I tried to call XXXX, again, had to leave a voicemail. We have NEVER been asked for money to close the loan. We have plenty of equity in our home. I do know our credit is not the best but after owning our home for over XXXX yrs AND having NewRez as our XXXX mortgage, we have never missed or been late on a payment. Guess that doesnt mean anything at all anymore. I hope noone gets ghosted like we did. Thanks for listening.
Product: Vehicle loan or lease

Hello, Ive been having trouble acquiring the title to the Hyundai Motor Finance car that I paid off in XXXX. Summer of XXXX I was advised to send a check payable to Commissioner of Motor Vehicles. 
I called back XX/XX/XXXX to follow up on status and was told the check was rejected as it should have been made out to NYS DMV. 
XX/XX/XXXX I sent another check and followed up in XXXX and was told it was rejected because it should have been written out to Commissioner of Motor Vehicles. I explained that is why it was rejected the first time. 
XX/XX/XXXX customer service advised me to request online and provided me the zip code in Tx directly. DMV confirmed transaction was sent. 
XX/XX/XXXX I followed up again and was told I need to write a check all over again. I explained I have been doing this for 2 years now and getting no where. 
Please can someone help me. 
Thank you
Product: Debt or credit management

These codes have been violated 15 USC 1681 ; 15 USC 6508 ; 15 USC 6802-6805, under my fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries done by XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX, XXXX were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Product: Credit reporting or other personal consumer reports

I have used all lawful information, identity theft as well as I dont live here and 6 bad collections on my report that isnt mine. They have ignored my attempts in writing and on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was informed by capital one that XXXX  is reporting a credit score of XXXX with multiple inquires and delinquencies which is false. Attached is my score as of today. XXXX supplied a report for XX/XX/2021 in which reflected fraudulent accounts and errors that I have disputed numerous times and supplied countless amounts of evidence for and it's still being furnished on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}, AM XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}