23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating my rights and reporting in correct information on my credit report. They are reporting late payments for months I have made on time payments on. I am in the forbearance program and was told my account would me listed current paid as agreed not late as I am paying now and the money is being withdrawn from my checking accounts. This company lied from the time I enrolled in the program and told me my credit report would be update and current with no lates now they are reporting XXXX XXXX and XXXX late but I have been on time. This is violation to report incorrect information to the credit report agencies. I enrolled in the program in XXXX the letter clear states previously reported delinquency these delinquency that they are reporting are current new delinquency after I enrolled in the program which is not what the contract states. They are not following the details of the hardship program which is against the law they enrolled me in a program and taking my money monthly to still report inaccurate information harming my credit..they are also reporting different months on all different credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section  605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the  CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX , XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to get into gig services and the company Checkr is not allowing me to go forward with companies such has XXXX XXXX, XXXX, XXXX, and XXXX. The company checkr everytime I try to apply tell me that I am up for consideration due to my drivering record which is not on my file anymore after completely XXXX XXXX as terms of the court. The Company Checkr is providing false and mischaracter information that is not allowing me to seek employment for side work, I am a XXXX XXXX who has clearance at a major legacy XXXX, I am a XXXX XXXX  in the state of XXXX, and I have XXXX state licenses as a XXXX XXXX XXXX XXXX XXXX. I will attach file below showing proof that I am cleared and have licenses after the only company that will not clear me is Checkr and holding me back from old out dated information. 

Will attach all files from laywer and court information. This company will not respond to emails back, there is no number to reach them physically, I have even tried to reach out to their employees via linkedin to get someone in their company to help me. At this point it is personal and I have done my time and everything I was required in the state of Missouri. This company Checkr needs to be checked out by our government. 

attached copy of all my current licenses with jobs. 

and attached is an email no one from support replied back to for clarification or help removing outdated info.
Product: Credit card or prepaid card

I don't know what is going on but I keep getting my card hacked into. Customer service at Direct express is horrible you can barely talk to anyone. I never give my information out for no reason. There has been numerous charges on my account. How I don't know but I called to speak to supervisor and all they tell me is they will investigate it. When I heard back from them they say they find no evidence. Hello it's right the XXXX there. I am sick of this card this company needs to be closed down direct express is horrible and i do not like them and will be switching but before I do I need to get my money back that they stole from my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX. I had to pay my first lease payment when I leased the vehicle. XXXX XXXX is stating they are reporting all payments to all major credit bureaus. When I got my annual credit report this year, I noticed my first car payment was not reported on my XXXX Credit Reporting Agency. In addition to my first car lease payment was not reported on my Equifax Credit Reporting Agency. I first attempted to repair the inaccuracies with XXXX XXXX XXXX, who sent me a history report that shows a first payment was made of {$320.00}. In XXXX I disputed the inaccuracies with XXXX Credit Reporting Agency and with Equifax. I received my XX/XX/XXXX Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe XXXX XXXX more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to XXXX XXXX XXXX on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. XXXX placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I complained to XXXX XXXX about an erroneous collection on my credit reports. They apologized, and assured me that the collection would be removed from all three reporting agencies by the end of XXXX. XXXX XXXX then contacted XXXX and instructed them to completely remove any reference to the XXXX collection from all my credit reports. On XXXX a letter was issued to me from XXXX that said they would delete all collection information from all my credit reports. Two agencies ( XXXX  and XXXX  ) were corrected within a few days, but Equifax remained incorrect. I filed a dispute with Equifax on XXXX : the collection was not removed, only updated to paid. I filed another dispute with Equifax on XXXX and even attached a copy of the letter from XXXX  stating that the collection would be removed. Equifaxs dispute response was that the debt was verified and updated. Its STILL on my credit report over a month later.
Product: Debt collection

This debt collector engaged in abusive. deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I sent a letter requesting for my personal information to be updated in accordance to my accurate information details
Product: Debt collection

Called with my representative at XXXX CST to Eastern Account System as I wanted to settle this as I didnt know it was on my credit. We spoke to XXXX XXXX. She asked me to verify my mailing address but it was a previous address I had not lived at in the past two years, notification was sent to that address. Then I asked if I paid today if it would be deleted and I was told no. XXXX was informed that I had not received notification and asked again if I could pay this provided that it would be deleted and again was told no. XXXX was then informed that a complaint would be filed due to no notice being given and she had acknowledged that they sent out two letters to the incorrect, old, address. All I am asking for is for this to be given a chance to be paid without damaging my credit, as I was denied this when no notice was sent to my correct address.
Product: Credit reporting

I have written Transunion several times via U.S certified mail and called. They have not corrected the incorrect information on my credit report. I am a victim of fraud ; I have advised Transunion of that, they did place a fraud alert on my credit report but failed to investigate the claims I submitted to them about unauthorized inquires. I have XXXX credit do and to contact Transunion. Transunion reported the inquiries and have no proof that I authorized my credit to be ran and the companies that Transunion is reporting are saying they have no record of me in their system or applying for any credit. They refuse to delete inquiries that have been placed on my credit report by Transunion, even some that have been ran serval times in the same day by the same company. Transunion advised me to contact the companies. I have contacted each company and they all say, I have no account with them so there is no record of me in the system so there is nothing they can these inquires that are harming my credit.
Product: Debt collection

Penn credit h as an account there saying was opened  XXXX   XXXX     2017  in the amount of  XXXX  dollars.   I have never had an account with penn credit or the company there pertaining to. Please provide proof with my signature authorizing this account to be opened or please advise penn credit to remove this account from my  XXXX  reporting credit agencies.
Product: Credit reporting or other personal consumer reports

I found inaccurate accounts reporting on my credit report.
Product: Checking or savings account

I am writing about an unfair, deceptive and abusive practice related to identical savings products offered by Capital One. Capital One is paying a material interest rate difference between their 360 XXXX XXXX account and their 360 XXXX account. The XXXX account is currently paying 1.75 % and the 360 XXXX account is paying .8 %. My wife and I have been Capital One savings customers for many years and trusted them to treat us fairly. Imagine my surprise after learning about the XXXX XXXX account paying XXXX basis points more than our 360 XXXX account. The accounts have the same requirements, features and functions. 

Clearly someone made a marketing/product decision to create a discriminatory process that rewarded new accounts and left existing, long term loyal customers with a much lower rate unless they searched out and found the new 360 XXXX product paying a much higher rate. I discovered the new product has been offered since XX/XX/2019. This new product was not marketed to existing customers as a product that would be paying a much higher rate than the 360 XXXX  account. If it had been I would have converted our accounts 3 years ago. This is an unfair, deceptive and abusive practice targeted against Capital One customers. If you checked demographics of the customer base in the two products I suspect you would find an older demographic in the lower interest rate product creating an elder abuse type situation. 

Upon learning about this situation I contacted the help center and they explained that I needed to open new accounts and transfer my balances in order to earn the higher rate. My concern was with the 3 years of lower interest rate that we had been getting paid on approximately {$800000.00} in balances. I escalated the issue to Executive management XXXX XXXX, XXXX, and XXXX XXXX, Marketing to no avail. My request of their executive complaint assistant was to perform a 3 year look back and make a credit to our accounts for the interest rate differential. They were not willing to do any research on the accounts to calculate the interest rate differences but given the current XXXX basis point difference I suspect it cost my wife and I tens of thousands of dollars in foregone interest while Capital One was unjustly enriched. We have moved the majority of our balances from Capital One as we have lost our trust in their management to act fairly and equitably with all customers. 

This is a systemic issue for all Capital One 360 XXXX  customers. The CFPB should perform a full review of this situation given the negative impact to consumers and the unjust enrichment of Capital One. I will also be sharing this complaint with the OCC, Federal Reserve, the Senate Banking Committee and House Banking Committee.
Product: Debt collection

USC 1692 c ( a ) : Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This company sent me a letter in the mail indicating that I owe a debt that I do not owe and threatened to file a judgment for this debt. 

They have been sent a letter in the mail for copyright infringement for the XXXX XXXX XXXX Estate and a Cease and desist along with a Durable power of attorney, and opt out letter. 


Please consider this matter with the utmost seriousness and urgency. Failure to promptly address and rectify this situation will compel me to take further legal actions to protect my rights and financial integrity. I expect a written confirmation from AvanteUSA acknowledging the receipt of forthcoming the letter, and confirming the removal of XXXX XXXX XXXX from their records, Opting-Out of the use of the Private Property of the Estate.
Product: Debt collection

XXXX on behalf of XXXX XXXX. I had an account with them when I was stationed at XXXX XXXX. I Informed them that I was switching services due to their continued price hikes. We had no bill due when we switched services, but they continued to charge us for a month worth of cable. I have contacted them and they said they would remove the balance from my account and credit report but they transfered the unauthorized debt to XXXX for {$240.00}. They keep reopening the account on my credit causing it to continue to go down. I have disputed this many times. 


XXXX XXXX XXXX. I don't know what this service is and why it's on my credit report. I have tried multiple time to contact/dispute this but haven't had any luck. The phone number for this company doesn't seem to work when I try to call. Collections for {$670.00}. 


Eastern Account System IncXXXX On behalf of XXXX XXXX XXXX. I had an account with them at XXXX XXXX before we got stationed elsewhere. I told them I was being moved to a different base and that I needed to cut off my services. They told me okay and to make sure to send in my equipment. They are trying to collect {$1100.00}. They continued to charge me after we moved out due to someone else moving into our house and using the service we had. They never cut it off. They are also trying to make me pay for equipment I returned. I have tried to dispute multiple times but have had no luck. 

XXXX I have reconciled this account but they continue to leave it on my report even though I have reached out to them to have it removed. XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will Investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account Number : XXXX LAST REPORTED ON XX/XX/year>
Product: Vehicle loan or lease

I had a vehicle repossessed in XX/XX/XXXX 2015 and the company is still reporting the vehicle as open and the balance is still accumulating interest
Product: Debt collection

On XX/XX/XXXX, I received a collection email from Credit Control , LLC of XXXX XXXX, MO claiming that I owe {$150.00} to XXXX XXXX. Credit Control , LLC is the XXXX collection agency attempting to collect a debt I do not owe to XXXX. XXXX is attempting to bill me for services after XX/XX/XXXX when I switched providers. I have written proof from XXXX acknowledging the transfer of services on this date. 

I requested from Credit Control , LLC by letter sent by Certified Mail dated XX/XX/XXXX ( attached ) a response within XXXX  days acknowledging that the debt is not owed and that my credit report would not be impacted by their action. A representative from Credit Control , LLC signed for my letter on XX/XX/XXXX ( attached proof ). I have received no response from XXXX XXXX regarding my dispute of their collection attempt as required by FRCA. Credit Control , LLC has violated my rights under the FRCA by not responding to my dispute. 

I have filed CFPB complaints against the other XXXX collection agencies and each informed CFPB that I do not owe the amount XXXX claims and that they had returned the account to XXXX. Those CFPB complaint numbers were : XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX & XXXX - XXXX XXXX
Product: Debt collection

XXXX  has not sent me any information regarding this debt. It was sent to Enhanced Recovery Collections with a balance that is not correct. The balance is over {$300.00} and this is not the correct balance that was left off when leaving  XXXX .     I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( secti on 1692g ). Arizon a  State regulations require all debt collectors  to send specific written documentation verifying the debt. Please provide : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.   I dispute this charge because I do not recognize this debt amount and I do not owe any money to this creditor referenced of termination fee.     Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report.  Reporting inf ormation that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you once again regarding the inaccurate reporting on my XXXX Bank account XXXX XXXX XXXX ). As I have previously stated in my two previous letters, the information on my credit report is incorrect and is negatively impacting my credit score. Account status is incorrect this account is paid. This has been reported as derogatory. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I have the right to request that you investigate and correct any inaccurate information on my credit report. Despite my previous requests, I have not seen any action taken to correct this error.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off account that has been reported on my credit file. This account, listed under XXXX, appears to contain inaccurate information that I believe has negatively affected my credit score.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information. The FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. Additionally, when an account is disputed, the reporting agency must verify the accuracy of the information with the creditor in question. 

I request that you promptly reinvestigate this charge-off account and verify the validity and accuracy of the information with the creditor. If the investigation determines that the information is inaccurate or unverifiable, please ensure it is promptly removed from my credit report, as required by law. 

Please inform me of the results of your investigation within the time frame specified by law. If you can not verify the accuracy of this account, I expect its removal from my credit file. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Mortgage

I requested a pay off amount for my HELOC to Navy Federal Credit Union. My account is currently handled by collection. I been calling them all day and my escrow to get the pay off amount. We started calling them morning eastern time ll the way closed on business date. We left a message for the request. Navy Federal Credit Union collection - Mr XXXX my case manager never returned my call and didnt provide the pay off amount. Navy Federal Credit Union gave as a hard time to provide an important document so I can close my house. Navy Federal Credit Union Collection dont have a supervisor to file a complaint. I have so much trouble dealing with Navy Federal Credit Union. They dont provide good service and very unprofessional. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the XXXX account on all credit bureaus for fraud I got a score up credit builder loan I signed up and got a denial letter saying I didnt get approved and they told me it was XXXX and now there charging me interest on my own money and it shows my contract as closed then they opened it back up and on my XXXX card and on my profile shows XXXX XXXX XXXX XXXX the contract invalid and should not be on my credit and it says an addendum was added without my consent An addendum is used to clarify and add things that were not part of the original contract or agreement means this is fraud and they been taking my money on the low that's fraud XXXX I also made payments of XXXX since XXXX and the balance is incorrect
Product: Debt collection

Repeated phone calls to family members. Called yesterday the XX/XX/XXXX Called XX/XX/XXXX Called XX/XX/XXXX and XX/XX/XXXX.