23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called into Capital One regarding my credit card at the start of the pandemic XXXX XXXX XXXX citing hardship due to lost wages, since my job was essentially put on hold. When I had called in XXXX, Capital One agreed to waive late charges. My account was in good standing at that point as well. 

Yesterday, I looked at my XXXX score and discovered that Capital One had marked me 90 days late. I called into customer service yesterday XXXX XX/XX/20 XXXX to dispute the fact that they are marking me late on my credit report. I opted to close my account as the Capital One Customer Service Supervisor, XXXX, said he was unable to remove the late markings on my credit report. This has dramatically effected my life as it has dropped my score from XXXX to XXXX!!! I'm in the process of applying for a home refinance and this has effected my score, and likely my ability to refinance!!!!! 

Capital One 's actions and practices are particularly egregious during a time of severe hardship when so many families have been pushed beyond the brink financially. They were notified in XXXX that I was experiencing hardship due to the virus situation, yet can still mark someone late, effecting their credit scores? Absolutely astonishing that a company like Capital One can do this to someone. Capital One should be ashamed of themselves!!!
Product: Debt collection

I have disputed the account with credit bureaus several times and debt always comes back as valid. I did not use this company 's services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am emotionally frustrated and disappointed to lodge this formal complaint against the credit reporting agency. Despite my numerous disputes dated [ INSERT THE DATE OF DISPUTES ], XXXX, XXXX, and Transunion have callously disregarded my previous requests. Their failure to uphold reasonable procedures to ensure the utmost accuracy, as mandated by 15 U.S.C. 1681e ( b ), in the credit reports they publish is deeply disheartening. According to 15 U.S. Code 1681i, it is clearly stated that XXXX, Transunion, and XXXX are obliged to conclude the investigation within 30 days from the date they received my dispute and provide a response. However, to my immense frustration, I have not received any response, nor have they taken the necessary steps to address the inaccuracies present in my credit report. 
I've also included the dispute letters that I sent for your reference. I'd like to point out the urgency of the situation and demand that the inaccurate information on my credit report be removed. This demand is based on the violation of both 15 U.S.C. 1681e ( b ) and 15 U.S. Code 1681i. I am disappointed that the credit rating agencies in question have not reacted quickly to my complaints. It is worrying and aggravating the situation in question that such a lack of urgency has not been addressed. In addition, the information they have provided is not merely incorrect but also misleading. This error of reporting is a significant and material mistake on the part of them. 
According to 15 US Code 1681a ( 4 ), consumer reporting agencies must respect my right to privacy but clearly, my right to privacy as a consumer has been violated by you publicly reporting this information when I never gave your organization permission to report my information.
Product: Credit reporting or other personal consumer reports

I am filing a complaints against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY Financial ; has denied my payments and returned many debt notes back to me and has reported to the reporting agency for months late with payments that was never late and has kept me from future consumer goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company incorrectly reported the account as past due 30 days in XX/XX/2018 when I called to have them update the account as paid and closed.
Product: Debt collection

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( XXXX XXXX  ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me XXXX XXXX : Pursuant to 15 USC 1692C. ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 credit card accounts with Comenity Bank XXXX XXXX XXXX, XXXX, XXXX XXXX. Due to the Covid-19 Pandemic I was furloughed from my job and my income dropped 75 %. Because of this I was late 30 days on each of the accounts above for XXXX and XX/XX/2020. I contacted Comenity Bank and made payment arrangements and have been in good standing at that time. At the time of the payment arrangements I was told that the lates from XXXX and XXXX would not be reported on my credit reports. I recently tried to refinance my home and those three accounts do report as 30 days late for XXXX and XXXX which is I was told my Comenity Bank that those would not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I fell victim to identity theft and someone attempted to open a credit card with " JPMCB- Card Services ''. The card was not opened as the bank was unable to confirm information on the application, per a letter received from the bank. However, a hard inquiry was placed on my XXXX  report. However, this attempted credit card application was fraudulent and the XXXX hard pull must be removed. 

I contacted JPMCB - Card Services on XX/XX/2019 and they informed me that they would request that the credit bureaus remove the fraudulent hard inquiry from my reports. I received a letter to this effect dated XX/XX/2019. I also contacted XXXX   on XX/XX/2019 to have the hard inquiry removed and was told they'd need to wait for the credit card company to request the hard pull be removed. 

Nothing happened. I submitted a second dispute with XXXX   on XX/XX/2019 as well as contacted JPMCB - Card Services. I was told that they had informed the credit reporting agencies that the hard inquiry should be removed on the basis of fraud but that they would send them a second request for the removal by XXXX. I received a letter confirming this action dated XX/XX/2019. When I received back the results of my dispute from XXXX, it stated : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact Chase Card, XXXX XXXX XXXX, XXXX, DE XXXX, Phone ( XXXX ) XXXX. '' As of today, XX/XX/2019, I still see the hard inquiry from JPMCB - Card Services on my credit report from XX/XX/2019. To reiterate, this was a fraudulent attempt by someone to open credit in my name, which failed but the hard inquiry is negatively impacting my credit score and needs to be removed  immediately after these multiple attempts to resolve this through the bank ( JPMCB - Card Services ) and credit reporting agency ( XXXX ).

Additionally, this JPMCB - Card Services fraud had also been reported to XXXX. However, that was quickly resolved and the hard inquiry has long since been removed from my XXXX credit report. 

I have locked my credit reports and added a security freeze at all three credit bureaus.
Product: Debt collection

I have made multiple attempts to rectify this matter first i sent them a debt validation letter and they sent me statements. Statements are not sufficient evidence of a debt Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334. Anyone can create statements to falsely stimulate the idea in a consumer that they owe an alleged debt. Next they refuse to honor my cease and desist which violated federal law and means they are now harassing and abusing me. What's included in a cease and desist is permanent deletion from consumer reports because consumer reports are in fact a medium of communication per the definition of communication under the FDCPA
Product: Credit reporting or other personal consumer reports

I have submitted several disputes asking to verify my identity and verify the fraudulent account on my report, however XXXX, XXXX, and Transunion is stalling by asking me for the same documentation that has already been provided. It is my right to be able to dispute when I want especially when there are unverified and inaccurate accounts being reported to my consumer profile. Please accept my documents as evidence for my disputes along with proof that I am who I say I am. Thank you for handling this matter swiftly.
Product: Student loan

my original loan was for XXXX XXXX  bought my loan on XX/XX/XXXX for XXXX. 
years XXXX, XXXX my payments were late because they could/would not change my due date so that it would be due around my pay period so each month I was given a late fee. by XX/XX/XXXX my loan principal was XXXX I then made payments without late fees for the rest of XXXX, XXXX, My hXXXX  then had a major XXXX in XX/XX/XXXX. They reduced my payment but would not put it on hold. so again, I stopped paying XX/XX/XXXX. XX/XX/XXXX after my legal XXXX. I restarted auto pay and continued payments until XX/XX/XXXX. At that time i was made aware that I have paid so far XXXX dollars. For this loan of XXXX. They say I still owe over XXXX dollars. I think Since I have given this company double of what my loan is that it should be at least paid in full. 

I no longer have the well paying job that I had and at the age of XXXX have only been able to get part time work doing XXXX XXXX. They said I was not eligible for any of the programs to have my loan forgiven. 

How can I get them to accept the amount that has been paid as payment in full.
Product: Debt collection

An apt . my daughter rented while going to college, she switched schools and had to move, the company rented the unit 1 month later and now is trying to double dip and collect from her as well as me and also collected from other parties.
Product: Money transfer, virtual currency, or money service

I have XXXX XXXX dollars in total for XXXX XXXX tickets, which were a scammed. 

I have told BofA, which they were reluctant to updating me nor even sending and email whether they have ended or denying my claim ( which they have ).

So I called them today, after not calling them around 1 week to get an update. Just for them to say that they closed the claim, denied it and they can not help me.

They claim that they can't help me anymore because their job was just to send another claim to the scammer 's bank. And since the other bank noticed that the money isn't there anymore ( which ALL SCAMMERS SO THAT, what scammer would just leave their money in
their fake bank account?? ). BofA said that they can't help me at all.

Which was a revelation to me, as what bank ONLY does that to help with customers? They did the bare minimum.

I asked if there's anything I can do, they said I can't do anything.

I asked if I can refile or take this to the higher ups?, they said they aren't going to do that for me.

I asked if I can contact the other bank, if they can help me. They said that the other bank would probably refer me back to BofA. And just for BofA to not do anything about it. I understand that since it's a XXXX fraud they can't help me fully, but even if I contact XXXX myself to help me. XXXX will only refer me back to BofA. So apparently no one can help me at all. After my phone call with them, it genuinely felt like they said for me to take it on the chin because they can't do anything.

I am a XXXX XXXX. I have no idea on what to do and I am scared because BofA has been horrible at helping. BofA has been horrible in terms of helping me and taking it seriously, they can't even to the bare minimum. THEY DIDN'T TELL ME THAT THEY CLOSED MY CLAIM. They have been the worst at updating me and helping me. They have left me in the dark without information. Why did it take me 3 weeks of waiting for BofA to do absolutely nothing to help me?
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer provided evidence to furnishings, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing an ongoing harm to my credit standing. I'm requesting immediate correction action to remove all or amend disputed accounts, as XXXX 's indication violates federal law and my rights as a consumer.
Product: Debt collection

These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  and Transunion and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit
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 XXXX 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 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

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -Late/closed Equifax XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : Date Opened : Balance : XXXX XXXX  - Charge off XXXX XXXX XXXX XXXX XXXX Date XXXX Balance XXXX {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -Late/closed XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I filed a FTC report due to fraudulent accounts on my credit report. There were different social security number and some addresses that didn't belong to me reporting on my profile as well. I filed a dispute with XXXX, Equifax and XXXX along with FTC report, some accounts were removed but not all. I also noticed several Inquiries were not removed from report. 

I am asking for all accounts to be removed, due to these accounts are not associated with me and is keeping me from applying for credit. 

XXXX XXXX XXXX XXXX  XXXX letter is attached to prove this company Deleted account but its still reporting on my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I received promotion from US bank about XXXX $ sign bonus upon opening a new checking account. I used code XXXX and met all the requirements : completed direct deposits totaling {$3000.00} within 60 days of account opening and enrolled in e-Statements. I still did not receive my {$250.00} bonus. Please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies had made inquiries on my credit report with accounts that I do not have which is a violation of my consumer law rights. I do not have an accounts with the following : XXXX XXXX Dated XX/XX/XXXX XXXX Capital one auto fin XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DP OF EDUC Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.