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

XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX

Capital One 
XXXX XXXX XXXX XXXX XXXX, Utah XXXX  
XX/XX/XXXX

ACCOUNTS NUMBERS:XX/XX/XXXX, XX/XX/XXXX


MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED,
THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE
PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS
COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS (FCRA). PLEASE UNDERSTAND
THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM
CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO,
PLEASE DON'T TRY TO SAY THE (FCRA) DOES NOT APPLY TO YOU BECAUSE YOU ARE
NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY
PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES
IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY
DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR
INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT
WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE (F) OF THE LAST SENTENCE OF
THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF
COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD
INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH
DEBTS. FOR THE PURPOSE OF SECTION 16G2F(6) OF THIS TITLE, SUCH TERM ALSO
INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE
OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE
ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE
THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT,
WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE
1681A(2)(B), 15 U.S. CODE 1681B(A)(2), 15 U.S. CODE 1681(A)(2), 15 USC 1692J(A), AND 15
USC 1681E(B).
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is willfully reporting to the credit bureaus 30 day late for XX/XX/2019 and XX/XX/2019. XXXX  is in breach of an extension contract signed in XX/XX/2019 and damaged my credit rating unfairly. 

On XX/XX/XXXX of 2019 I entered into contractual agreement with XXXX to extend all past due payments for 2 months from the date of XX/XX/2019 forward. 

The XXXX manager I spoke with named XXXX confirmed that this contract would bring my account current. All delinquencies within the specified date of signing the agreement would be updated to current at the credit bureaus. 

For 6 months XXXX has reported inaccurate information with total disregard for the contract it signed. Please be advised the CFPB record will show this issue was recently brought to the attention of XXXX. 

Ally representative XXXX displayed gross and voluntary disregard for the CURRENT issue by simply uploading documentation from a previous incident to characterize the matter as an older resolved issue.
Product: Credit card

I have been unable to make an online payment since XXXX of 2024. The bank refuses to acknowledge that they are the issue, and keep giving me the runaround. Saying that there is a problem with my account. Yet they will except a check and a debit card payment from the very same account. I submitted a letter from the XXXX  XXXX XXXX XXXX advising that there is nothing wrong with my account, which was also an ordeal. I do not have problems with any other creditor, just this one. They keep trying to tell me it's my browser, and I keep telling them that it is not. I've tried from ( 3 ) different browsers with no success. No other creditor has an issue receiving my payments. I have never in my life had such a hard time giving someone money. This is my second time filing this complaint, and they never addressed the issue in the 1st complaint. I am also filing complaints with AG 's office and XXXX  XXXX. 
I sit down at the end of the month, go on line and set up all of my payments for the next month. This has created a hassle for me and contributed to making late payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I recently obtained a copy of my credit report and found the following accounts to contain inaccuracies that must be removed immediately as they are either outdated, incorrectly reported, or unverifiable. 

XXXX. XXXX ( XXXX ) Incorrect Late Payment Reporting Issue : Inconsistent late payment reporting across bureaus. The dates of late payments differ between credit reports, which is an FCRA violation ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Action Requested : Delete the late payment history or provide proper documentation showing correct reporting across all three bureaus. 

XXXX. XXXX XXXX  Account Closure & Negative Mark Reporting Issue : This account was closed at my request, yet it is still reporting a negative payment history, which violates FCRA 15 U.S.C. 1681s-2 ( b ).

Action Requested : Either update this account to " Closed in Good Standing '' or delete the entire trade line. 

XXXX. XXXX XXXX Overstated Balance & Charge-Off Discrepancy Issue : This account is reporting a balance higher than my credit limit ( 129 % utilization ), which raises suspicion of an improper interest calculation or illegal overstatement. 

Action Requested : Provide proper verification of how this balance was calculated or delete the account entirely for inaccurate reporting. 

XXXX. XXXX XXXX ( XXXX XXXX  ) Failure to Update Balance & Charge-Off Date Manipulation Issue : The reported charge-off date does not align with my records, suggesting re-aging to extend the negative impact longer than legally allowed ( FCRA 15 U.S.C. 1681c ).

Action Requested : Remove this charge-off due to failure to comply with accurate reporting laws. 

I am filing this complaint against XXXX XXXX  for inaccurate credit reporting and failure to verify my correct address under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. The account in question is incorrectly tied to an address that I never resided at, which violates federal requirements for accuracy in credit reporting. 

I have disputed this issue with the credit bureaus and the creditor, yet XXXX XXXX  has failed to provide proper documentation proving that this account belongs to me at the stated address. Since the FCRA requires that all reported information be accurate and verifiable, and since this account is linked to a false address, I request that this account be immediately deleted from my credit report due to failure to comply with reporting laws.
Product: Credit reporting or other personal consumer reports

Lack of a contractual agreement : I have not entered into any contractual agreement or arrangement with this collection agency. It is essential to note that any collection efforts initiated by your agency lack a legal foundation. As there is no valid contract under consumer protection laws such as the Fair Debt Collection Practices Act ( FDCPA ) and other relevant statutes, a collection agency must have a lawful basis for obtaining and using personal information. I demand that you provide evidence of a valid legal basis for accessing and using my private information. Failure to provide evidence of a valid contractual relationship or continued unauthorized access to my private information may result in further legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXXXXXX XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed any payments on the following account XXXX XXXX XXXX.  Please investigate to ensure the information is correct.
Product: Checking or savings account

attached is a full explanation of the events leading to Key bank closing my account
Product: Credit reporting, credit repair services, or other personal consumer reports

A person that was let go from a company I used to obtain a loan was charged with in house theft. That same person took my personal information and later took out several payday loans and a car loan under Chrysler capital car finance company in 2014. This is not my account and due to this person having all my personal information they were able to obtain a car loan with a copy of my drivers license, my signature, and my bank account information.
Product: Debt collection

XXXX XXXX XXXX has two accounts in collections on my credit. When asked to validate the debts ( one for {$690.00}, one for {$400.00} ). They did not respond. 

They sued me in small claims last year ( XX/XX/XXXX ) for the line item on my credit report with a {$690.00} amount. I came on the date to answer and told their attorney that I did not know who he was. He set a court date with the clerk. XXXX XXXX did not show up for the first primary hearing and I filed a motion for them to provide validation of the debt, including signed contracts ( not provided in the claim ), an assignment of debt that isn't just an over night dump ( not provided in the claim and without my name attached ), and how they came up with these amounts. 

I have never worked with XXXX XXXX before and have no idea who they are. They did not provide validation for the court within the allotted thirty day  time frame, they did not show up for our final hearing, and the case was dismissed. They continue to report these debts. On top of that, I have disputed these with XXXX, XXXX, and XXXX, and even with giving them court papers showing that the debt has not been validated, they continue to report these debts as accurate because after disputing, XXXX XXXX continues to report them to the CRAs that way. 

I contacted XXXX XXXX immediately after the court dismissed the case, letting them know that they need to quit reporting to the credit reporting agencies, and I sent the credit reporting agencies proof and court documents that this debt is not validated, yet after disputing with the CRAs and providing the CRAs with the court documentation and the creditor 's lack of validation necessary to verify a debt ( or even collect successfully in a court ), XXXX XXXX is continuing to report these debts as verified. 

XXXX XXXX did not list the item as disputed on my credit reports, and they were under dispute since litigation began on XX/XX/XXXX. I have credit reports printed out from XXXX still showing that they were not listed as disputed up until 3 weeks ago. This is a violation of the FDCPA. 

I am exhausted from asking this company I've never worked with for validation that these two debts are mine, and they have continually violated the FDCPA ( did not list debt as disputed, verifying debts to the CRAs that they can not validate ). 

XXXX, XXXX, and XXXX continue to report these unvalidated debts even after countless phonecalls and attempted disputes.
Product: Prepaid card

Vanilla Visa Gift Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received VanillaGift.com Visa Debit card # XXXX XXXX XXXX XXXX - Serial Number XXXX just prior to XXXX Day XXXX, from a friend who purchased the card on XX/XX/XXXX [ copy of receipt attached ]. 

Given that the packaging indicated that there were no fees after purchase, including dormancy, service or other fees, I elected to wait until I needed the funds before opening the packaging. 

I did not open open the packaging until Saturday, XX/XX/XXXX. 

When I checked the balance on the card on XX/XX/XXXX, the system indicated the card had, in fact, been purchased on XX/XX/XXXX with a beginning balance of {$50.00}, however the current amount of funds available was XXXX. Checking the system further, it indicated XXXX debits had been made on XX/XX/XXXX in the amounts of {$20.00}, {$20.00}, and {$10.00} - more than XXXX months prior to my opening the packaging to access the card. 

As was requested at the time of opening Case Number : XXXX on XX/XX/XXXX, I forwarded Vanilla Gift the following : XXXX ) a copy of the purchase receipt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) a copy of the front panel of the gift card, and XXXX ) a copy of the back panel of the gift card. 

I sent the requested documents to the e-mail address provided by Vanilla Gift [ XXXX ], as well as to [ XXXX ] on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

On XX/XX/XXXX, when I called Vanilla Gift, the customer service representative stated I would receive an e-mail confirming receipt of the afore-mentioned documents within XXXX hours. 

When I called Vanilla Gift on XX/XX/XXXX, since I had not received an e-mail from the company, the customer service representative and his/her supervisor assured me I would receive an e-mail message confirming receipt of the afore-mentioned documents within XXXX hours from the date of opening my case. 

When I called Vanilla Gift on XX/XX/XXXX, since I had not received an e-mail from the company, the customer service representative and his/her supervisor assured me I would receive an e-mail message confirming receipt of the afore-mentioned documents within XXXX to XXXX days after the date of opening my case. 

When I called on XX/XX/XXXX, since I had not received an e-mail from the company, the customer service representative and his/her supervisor assured me I would receive an e-mail message confirming receipt of the afore-mentioned documents within XXXX to XXXX business days after the date of opening my case. 

When I called earlier today [ XX/XX/XXXX ] since I still had not received an e-mail from the company, the customer service representative and his/her supervisor assured me I would receive an e-mail message confirming receipt of the afore-mentioned documents within XXXX hours from the date of my call. 
. 
I appreciate your expedited assistance in this matter and look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX XXXX on XX/XX/XXXX. I unfortunately had to declare bankruptcy in XXXX, XXXX. I signed a reaffirmation agreement on XX/XX/XXXX with XXXX stating I would continue making my regular monthly auto payments to XXXX XXXX XXXX. My bankruptcy case was XXXX XX/XX/XXXX. 
One week ago, I tried to refinance my car in order to get a lower monthly note. Upon finalizing the deal, the lender told me they could not finish the loan due to the fact that XXXX has NOT reported ONE single payment after my bankruptcy to any of the three credit reporting bureaus. I called my attorney, she re-sent me the Reaffirmation paperwork, I called XXXX XXXX XXXX back and told them they were obligated to report my monthly payments to the credit bureaus and they told me, after speaking with the manager on duty, they did NOT and would NOT ever be reporting any payment of mine since the discharge nor any future payment I made. I asked what my options were and they told me : I have one option ... pay the entire loan off. What a XXXX auto loan company ... that IS against the law and I want to know what you will do about it since I see there are MANY unhappy customers who have also been screwed over by XXXX XXXX. This is grounds for discrimination, defamation of character and surely an FCC violation and fraud! Please teach XXXX XXXX XXXX a valuable lesson so they do not have the chance to hurt other vulnerable blue-collar workers just trying to take care of themselves and their families, please.
Product: Credit card or prepaid card

I tried to pay with my Chase card and it was declined for NO reason. Having paid this company before with the same card it made NO sense. I called Chase bank and they said there is NO problem with the card. It did not go thru after 3 tries. I called the central office, 58 minutes on hold, I got the most idiotic nonsense for non answers as to what the problem is. They wanted a pin number - provided - said it was wrong - not incorrect. They they would snail mail a new pin and it would take 10-13 days to get. In the meantime I could NOT pay any of my bills. Beyond unacceptable. This has happened several times before, they keep saying NO PROBLEM, but there is almost always a problem with Chase. 
I need a bank that is in XXXX XXXX  XXXX  AND XXXX XXXX XXXX XXXX   as I travel between both places numerous times a year. I haven't found one to change to as yet. This arrogance and stupidity has to stop, it is damaging my business reputation - cant pay my bills.

I need this problem permanently solved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked credit companies to validate the date and provide me documentation that shows who sign up for these accounts and despite my letters to them to do so they have not done so. I have reported these accounts to the police as fraud : US dept of ED acct # XXXX XXXX Bank acct # XXXX Alleged XXXX  Account # XXXX : LOAN : XXXX XXXX Subsidized Amount XXXX XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOAN : XXXX Career Training Amount $ XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOANS TOTAL AMOUNT {$13000.00} . 
Please see attached statement. 
Ref : Alleged Account XXXX - XXXX XXXX XXXX , Social Security XXXX XXXX XXXX  ACCOUNT [ XXXX ] Re : XXXX XXXX  XXXX XXXX ] Re : XXXX XXXX Ref : Alleged Account # XXXX
Product: Credit reporting or other personal consumer reports

It is my personal statement that the bankruptcy that I have listed here is fraudulent and needs to be deleted within XXXX business days of your receipt of this report pursuant to 15 USC 1681c-2 of the FCRA on clear grounds of identity theft. DELETE BANKRUPTCY : XXXX XXXX XXXX-XXXX  XXXX  XXXX  XXXX. This Bankruptcy keeps getting verified, if this keeps happening, I will have no choice but to seek legal Counsil in this matter as this NOT my account. 

PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and saw that i have a Collection account with the company AMEX and unauthorized inquiries listed on my credit report. The first thing i did was immediately filed a Police Report since i had been a victim of Identity Theft and someone used my name to open a fraudulent account. When i contacted the company XXXX, XXXX XXXX XXXX XX/XX/2023, The representative was extremely loud, rude, condescending and disrespectful. I am shocked that AMEX would have a person like this work at their company. I have endured a lot of stress, pain and suffering after speaking with the rep who refused to give me her name. I filed a Complaint with FTC and will also file a complaint with XXXX  against AMEX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three things listed under derogatory marks that I need removed and working with Equifax has been to no avail. I have two public records ( Account Numbers XXXX and XXXX ) that need to be removed. I do not owe these balances. I have contacted both XXXX XXXX and the corresponding courthouses and they confirmed with me that Equifax did not contact them to confirm or dispute this information. When I submitted an FCRA Prodcedure request on X/XX/2017 they did not respond. I send that letter certified and faxed it as well. Also, there is a collection account under the name of XXXX XXXX XXXX for a balance of XXXX. I am not responsible for this debt, as it is a worker 's compensation case. I have already cleared this information with both the original creditor and my previous place of employment. However, Equifax refused to remove it from my report and continues to reflect inaccurate information. There are also twelve ( 12 ) inquiries listed on my credit report that are scheduled to fall off within the month, only one of which was actually authorized.
Product: Credit reporting or other personal consumer reports

I have checked and acknowledged the response from XXXX regarding my previously filed complaint. However, there are still numerous discrepancies and inaccuracies in their reports, despite their claim of having verified them with the original creditor. I provided them with a screenshot of the accounts in question, demonstrating that their verification and investigation process was unsuccessful. 

Secondly, TransUnion has failed to provide me with further statements or explanations on how they verified the inaccuracies of the disputed accounts. They merely mentioned that they were verified, without detailing their investigation process. 

Lastly, XXXX has not yet responded to my dispute. I can not wait another 30-45 days to file my complaints again because this is adversely affecting my scores and financial plans.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent account that appear on my credit report under my name. My identity was stolen, and I did not authorize or open the account.
Product: Student loan

Refinanced a student loan with CommonBond and servicer XXXX. The new loan has started on the XXXX yet my old loan has not received any funds. In contacting them the payment is being sent by mail and may take 3 weeks to reach my old servicer. In the meantime I'm accruing interest on both loans. Also, when contacting to see when the check will be received I'm told there is no tracking information available! When refinancing all my information was provided, how is it that when one electronic loan is started the payment can not be sent electronically to the old? Old loan is through XXXX and XXXX XXXX.