23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

XXXX Balance details 0 % paid off Balance {$710.00} Balance updated O XX/XX/2024 Original balance {$710.00} XXXX XXXX XXXXexperian.com Account info Account number XXXX Open/closed Open Date opened XXXX XXXX Account type Secured Loan I I wrote this Company plenty of times. And took necessary steps to Try to get These a while ago and still, my credit score is down and just lost another point from where they have it. I cant. I cant get my business tearing up stressing my family out passing plenty of mental anguish throughout my loved ones. XXXX XXXX and XXXX are in a decent range, but as we know experience is excluding me from life and and positivity and prosperity. Cant even get a loan out to fix my credit debit Because of that experience score, I dont know thats not comparing up to the other credit reporting companies
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX. I was approved for an auto loan through XXXX XXXX XXXX. They also operate with other names, all of which I can not think of. My loan with them was, for the most part, smooth but fraught with terrible customer service. On XXXX/XXXX/XXXX, I was apparently late for a payment and XXXX XXXX XXXX decided to repossess my vehicle. After jumping through hoops with them, I paid off the collection fee AND the repossession fee that same day. The total amount for that transaction was about {$540.00}. This is even reflected in my payment history which I had requested from XXXX XXXX XXXX. My account was closed with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and everything was satisfactorily paid in full and my account balance was XXXX. I received my title from them, and immediately filed for a new title to completely remove XXXX XXXX XXXX as the lien holder since I did not trust them XXXX bit. That vehicle in question was later traded in to purchase a new vehicle sometime in XXXX XXXX. Prior to that, in approximately the beginning of XXXX, I applied for a mortgage. My mortgage agent stated to me that on my credit report, through Transunion, the XXXX XXXX account still shows as open with a balance of {$540.00}. I immediately called XXXX XXXX and they stated that my account shows as paid in full. I requested proof of that, and I was mailed out my payment history. I asked the representative to immediately report my account as paid in full and closed, but she was not helpful in giving me any information why it was still open, and instead told me to go online and file a dispute, since " they did everything correctly. '' I am filing this dispute with the CFPB against XXXX XXXX XXXX for pure negligence in reporting my account as correctly closed and paid in full to Transunion. XXXX XXXX XXXX is rude, completely not helpful, and deceitful in every imaginable way. They need to be held accountable for their shady tactics and deceitful business practices. They were no help at all, as offered no sympathy or assistance in assisting me to resolve this issue.
Product: Credit card or prepaid card

This company XXXX wanted to check my credit report and I did not give them permission to do that XXXX XXXX sent me an alarm email to let me know this was on my report with XXXX credit bureau and not XXXX. This is the name that made that inquire XXXX XXXX XXXX there phone number is XXXX XXXX XXXX XXXX XXXX, FL, XXXX. I did not give them permission to check my report.
Product: Credit card or prepaid card

I checked with CapitalOne on XX/XX/XXXX to find out my credit card balance and was given the amount of {$1700.00} by their system and online. I paid the balance in full, as I was considering closing the account. 
On XX/XX/XXXX, I found out that CapitalOne had not updated my information with any of the credit bureaus since XX/XX/XXXX and when I went to my CapitalOne account, it now shows that I have a balance of {$14.00} added XX/XX/XXXX. I have not used the card since I paid it off on XX/XX/XXXX. The charges are for Cash Advance Interest {$1.00} and Purchase Interest Charge {$13.00}, plus they are charging daily interest on this balance. 
CapitalOne is charging interest on a {$0.00} balance and also charging daily interest on the interest? This can not be legal. 
I contacted the company and was initially told in so many words " You do not understand, we can do this. ''. I contacted the credit bureau and was advised to try one more time to speak with the company before filing a complaint with them. I called CapitalOne again and spoke with another supervisor who informed me that although it " appeared '' that I'd paid my balance off, there are interest fees that accrue daily and those had not been included when I made my payment. I asked how was I to know that there were other charges when both of their systems ( phone & online ) provided me with the amount due? I was told that I should have spoken with an actual person, a CSR. How was I supposed to know that their system doesn't provide accurate, updated information? Then I asked if they would waive the {$14.00} fees. Not only did CapitalOne refuse, they also said that they are charging interest daily on it and as of today, the amount is {$14.00}! How can companies get away with doing this to people - especially during a pandemic????? I know it is less than {$15.00}, but it is the principle of the whole situation. I paid the balance - or so I thought, because I was thinking of closing the account. I paid and closed some others at the same time as well. 
But these guys are trying to hold consumers under their thumb with these fees that make absolutely no sense - with horrible customer service to top it off. 
Is this legal? I want to file a complaint and ask that the FTC and credit bureaus launch an investigation into CapitalOne 's practices. Charging interest on a {$0.00} balance and then adding daily fees on the interest that should not be there in the first place??? This can not and should not be legal. 
By the way, this is just a regular platinum credit card. Not a pre-paid, green dot or whatever or anything like that with special terms and stuff.
Product: Money transfer, virtual currency, or money service

Hello, I opened a paypal account recently, using my gmail account XXXX. I just wanted to explore paypal to see how it works, but for some reason I get the message saying that my paypal has been permanently disabled due to fraudulent or stolen information provided by " me '', I really don't think paypal is reliable to use, because they just steal people 's information. After providing my drivers license and SSN then they permanently limit my paypal. I'm not so satisfied with this. Please kindly look into this Kind regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Cease and Desist Communication Request under 15 USC 1692c ( c ) Dear Resurgent Capital Services, I am writing to formally request that all communication from your agency regarding the debt associated with reference number XXXX cease immediately. Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), I am exercising my right to request a halt in communication until I have received validation of the debt in question. 
I recently received communication from your agency dated XX/XX/XXXX and XX/XX/2024 regarding an alleged debt. Before any further communication takes place, I assert my right to request validation of this debt as per the provisions of the Fair Debt Collection Practices Act. 
I am hereby requesting that you provide the necessary documentation and evidence validating the debt. Until such time that the debt has been validated per my request, I insist that all communication efforts, including but not limited to calls and letters, cease immediately. 
Also please provide me with written consent from with my wet signature showing that I have a contract or any business dealing with this with this company. This is to be removed from the consumer report. 
Please acknowledge receipt of this dispute letter and confirm that all communication attempts will cease until the debt has been validated. Your prompt cooperation in this matter is appreciated. 
Thank you for your attention to this request. I expect compliance with the Fair Debt Collection Practices Act and the cessation of communication until the debt validation process is completed. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent 3 certified mail letters to 3 credit reporting agencies, XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding FCRA , METRO 2 standards violations on my credit report and an alleged debt of {$1300.00}, that was not verified and not validated as per USC 1692g. 

XXXX, TransUnion tried to correct the FCRA, METRO 2 violations but they still remain, I'll add two credit reports as proof, one before sending the letters and one after, further they did not verify and they did not validate the debt as per USC 1692g i.e, provide irrefutable proof of loan contract with original wet ink signature. 

XXXX didn't take any action at all. 

This is a gross violation of my rights and privacy and I plead CFPB to take swift action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate By the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Account # XXXX A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date.

There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. So, this credit balance is in excess of {$1.00} And the law clearly states that the treatment of any credit violence is supposed to be refunded upon the request of the consumer so I would also like to request my refund.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$580.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

PLEASE DO NOT OVER LOOK!!!!!!!! THIS IS A NEW ISSUE ... FALSE CLAIM Capital One has continually tried to keep extorting me financially. In their last discovery they sighted an error on their part and claim to have adjusted my account by a {$150.00} credit in XXXX. That credit should have been applied to my XXXX payment. Which means that I do not owe for XXXX as they claim. 

Most recent discovery : On XXXX XXXX, 2016 they claim that they applied another credit to my account ; that credit should have been for the month of XXXX 2016. Which means that the month of XXXX payment has been satisfied. 

Capital One can not say that XXXX credit of {$170.00} was applied to XXXX because a payment was made for XXXX which they cashed. Therefore, giving all the payments and credits made for the 2016 year, how can the company still claim that I owe {$1200.00} for the same year and needs me to pay that before they can reinstate my account for monthly billing statement?? This is completely without merit. 
When credits are applied, should the credit not be applied to a particular month? Especially if you claim that the person is behind on the payment. So, what month did you apply the credits to??? 
I have called XXXX XXXX XXXX twice, from Office of the President, Financial Services Capital One. And, in both cases left him a message as always and he never called me back as always.
Product: Debt collection

This is supposedly a medical debt I owe. Per HIPPA federal GUIDELINES on HHS.gov it clearly states medial information is not to be shared to a third party. I NEVER gave anyone permission to obtain my credit information, name, address, or anything about my medical record. This must be removed or they are in violation of hippa compliance, I am submitting a complaint to HHS.gov and the public should know the truth about this collection agency. 

Collection/Chargeoff {$1900.00} XX/XX/2015
Product: Money transfer, virtual currency, or money service

Over and over I have tried to get access to my account and I have had to make numerous where money here XXXX there disappears and it can't get granted, I've received cards I didn't order and not XXXX time have I got a positive resolution.. this needs investigated
Product: Debt collection

On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. 

I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but  has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. 

I've never heard of or from Midland Credit Management or XXXX XXXX XXXX. The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. 

I was able to contact XXXX XXXX XXXX for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX  XXXX XXXX to Midland Funding LLC on XX/XX/XXXX. Then from Midland Funding to Midland Credit Management and then to XXXX XXXX XXXX. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. 

The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX. I may never get out of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS REPEATEDLY IGNORED MY DISPUTE IN REGARDS TO A LATE ON MY XXXX XXXX ACCOUNT-XXXX THIS ACCOUNT HAS NEVER BEEN DELINQUENT OR PAID LATE. IN THE YEAR 2011. AND EQUIFAX IGNORES THE GUIDELINES PUT IN PLACE BY THE FCRA ... AND I DISPUTE THESE LATE CHARGES THAT ARE REPORTING ON MY EQUIFAX CREDIT REPORT.
Product: Credit card

I am XXXX XXXX military and an Ohio state resident. I am entitled to relief under Ohio State XXXX benefits for my accounts. I have been denied by XXXX and Bank of America. I submitted my XXXX, state ID, XXXX  contract. They still denied me. Request your assistance in correcting this problem.
Product: Debt collection

My problem is with the company One Main Financial of XXXX, PA. I had fallen behind on payments this past XXXX, around XXXX or XX/XX/XXXX due to a temporary set back from illness. Someone named XXXX called & left messages on my cell, which I am fine with. However, he then, left a very detailed message on my work phone. This is a number & voicemail that my boss & co-workers have access to. The following day, he called again on my work number. I answered & told him that it was my work number and to not call it again. In the months that followed, I got caught up on my payments. 

However, a few weeks ago, I had a complication during a medical procedure & had to stay in the hospital for a few days. So I'm late again with my payment, which I full intend to get caught up on as my situation is temporary. Immediately, I began receiving the calls including, two more phone calls on my office phone, the number that they were told to NOT call, the most recent being today, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that does not belong to me and has been open for months. It was not opened by me or authorized by me at all and i need to get this inaccurate information off my credit report. This account was opened in my name and has been verified by the creditor that it is not mine and my identity can not be confirmed in their system. This account from XXXX is not my account and has been negatively affecting my credit report. The account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collections notice from XXXX XXXX XXXX. I immediately contacted them and let them know this debt was invalid and I wanted to dispute the debt. as of XX/XX/2018 this has been reported on my credit and I have not received any information regarding my wish to dispute this debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Credit reporting or other personal consumer reports

Equifax deleted the collection then put it back on there and the new collection agency picked up the case and will not stop calling me everyday on the phone.
Product: Credit reporting or other personal consumer reports

Filed a complaint on XX/XX/XXXX in reference to an inquiry I didn't recognize. Complaint # XXXX which included the identity theft report from the FTC along with a copy of my drivers license, Social Security Card, and a bank statement.

Received a letter from Equifax saying they couldn't process it without a the said documents that were attached to the said complaint.

Got another letter from Equifax stating the inquiry was valid. No way in XXXX they even looked into what I sent them let alone actually do an investigation, What really XXXX me off is the fact they compromised my personal data in a data breech but still refuse to do their job. This is willful negligence and violates the FCRA yet they continue to get away with it. I have reattached all the attachments from complaint XXXX as well as another dispute I mailed to them. They need to be be held accountable as I am considering seeking legal remedy for said violations as outlined in the dispute attachment that was mailed out on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently Sent Experian a letter requesting that the show me their METHOD OF VERIFICATION/description of the procedures used to determine the accuracy and completeness of the disputed information, and they failed. the letter was sent on XX/XX/2019. the letter was received XX/XX/2019. I received an Email response stating the results of my dispute were ready on XX/XX/2019. that is beyond the time allowed to respond for a method of verification I believe it is 15 days. ( FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute ).

I have been denied a home loan, my credit looks skeptical to lenders, i have been denied credit line increases with my current creditors, and Experian has yet to remove these items. Even after 2 recent disputes, i have sent the PROPER SUPPORTING DOCUMENTATION they request that, the items still remain! 
I spoke to a Dispute officer/representative on XX/XX/2019 at XXXX XXXX central time, for 38 mins 20 sec. and i specifically asked him how were the items verified. He stated that they were verified electronically. That is not a reasonable investigation! The home i am currently living in is falling apart and my family and i need out AS SOON AS POSSIBLE and the deletion of these accounts would make the wold of a difference.
Product: Credit reporting or other personal consumer reports

I lost my person back in XXXXXXXX XXXX XXXX and i pulled my report and see alot of things that i didnt authorize this is Fraud i want them removed off my account