23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One has continuously tried to collect debt that was a result of identity theft, when I was sick for 3 years and had a breach in my identity through XXXX. Also, while my account is under investigation, I have continuously made monthly payments on my accounts, in an amount proposed and approved by Capital One and still, on a weekly basis, they report incorrect negative remarks and amounts to my to the credit agencies ( XXXX, XXXX, and XXXX  ) ; even while my account is under dispute with the CFPB. The amounts of my balances on my two credit cards with Capital One, ending in XXXX and XXXX, are incorrect and Capital One are reporting incorrect balance amounts. Also, Capital One placed one of my accounts, ending in XXXX, in collections, after they placed me on a payment plan, while I'm making payments, and after I reported the incorrect balances to the CFPB. Also, I can no longer view my account ending in XXXX, online nor in the app, and no staff/tech staff/nor supervisor can tell me why. I have been transferred to various departments and staff to have this problem rectified and to date, it still has not been rectified. I have been told that they do not know why ; however, this causes me not to be able to see updates to my account. Also, on XX/XX/XXXX, I reported Capital One to the CFPB regarding reporting incorrect balances they continuously report to the credit agencies and regarding the fraudulent charges, and it's been over 30 days and they have not responded in resolving the issue and it's been over 20 days since they last responded to the CFPB that they are still working on the issue. But, they continue to report negative remarks and incorrect balances on a weekly basis, which have affected my credit score by over 50 points. I would like for Capital One to report the correct/updated balances of my credit card accounts to the collection agencies, resolve the fraudulent charges, take my account ending in XXXX out of collections, and fix the issue of me not being able to view my account ending in XXXX online or withing the App.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX I contacted Experian regarding their reporting of the XXXX XXXX XXXX account. Pursuant to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Experian is not respecting my right to privacy. Experian continues to report information that is excluded from my consumer report. On XX/XX/2023 Experian alleges the investigation is complete and my report was updated however I do not see any update to the report. I hereby request Experian to provide me a description of the procedure used to determine the accuracy and completeness of the information being reported by the furnisher. This description shall include and not be limited to the business name and address of any furnisher of the information contacted in connection with such information and the person whom they talked to along with the contact phone number of the individual. 
I have attached supporting documentation that shows XXXX XXXX XXXX states they are required by law to report my experiences and transactions with them however my contract shows NOTHING about reporting late payments to the credit reporting agencies. I have pointed that matter of fact out to Experian yet they are still " verifing '' the information as accurate. 
I never consented nor gave permission and was never afforded an opportunity to opt out to XXXX XXXX Services sharing my information with the credit reporting agencies. 
With evidence attached how can Experian lawfully continue to violate my consumer rights?
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. These information is injuring my consumer report and I request that you correct these information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

***California Lease***** Kia Finance is charging customers XXXX tax rate on XXXX payments. The auto pay is adjusted to take the correct new tax payment, but since the bill is not adjusted customers show that they owe a small amount due. usually less than a dollar. Kia is telling customers to pay the balance due which is a huge burdon to cancel auto pay, pay the amount and re set it back up. 

When the fact is that Car leases are paid front end, not in the rears. So XXXX 's payment should be for the new tax rate. That payment would be for XXXX to XXXX. Since the bill from Kia came in XXXX for XXXX payment they are charging for the old tax rate in XXXX, By doing this all consumers are paying the higher tax rate in XXXX WHEN THEY SHOULDNT BE! Kia recognizes this but thier solution is for the consumer just to pay the extra money and then starting XXXX they can make the lower payments. This is incorrect!. even their auto pay system adjusted to the correct rate in XXXX but the bill due did not adjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Paid them what they asked for and they never deleted the report. 
Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
All three credit agencies refuse to take off as well
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have no connection or knowledge of the said accounts listed. Please help me with this serious matter. 

Back in 2015 my home was broken into when I came back home all my daughter and my things where scrabbled. All our sensitive information and over XXXX worth of jewelry and XXXX out my safe was stolen. 


Please help me I have no connections with this. 

A police report and identity theft has been filed.
Product: Mortgage

Ditech has obtained my XXXX mortgage ( Home Equity Line of Credit ) which has a balance of {$30000.00} and at a current interest rate of 4.1 % for 180 months and sent me a payment due on XXXX/XXXX/15 in the amount of {$270.00} I ran an amortization of that amount and the payment should be {$220.00}. I contacted Customer Service and spoke with XXXX on XX/XX/XXXX and got no response. I contacted XXXX on XX/XX/XXXX @ Ext XXXX and was promised a response ASAP and no response I contacted XXXX on XXXX XXXX and still no resolution. I contacted XXXX on XX/XX/XXXX and she said she was sending an email to XXXX and her supervisor and I should hear back that day for sure and NO RESPONSE.
Product: Credit reporting or other personal consumer reports

I have called equifax on several occasions. I was told there is an internal error on their end, but they will not remove the error and creditors can not access my credit report, so I have been denied credit on a few occasions because of this.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block 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. This fraudulent, inaccurate, and false information consists of a 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

To Whom It May Concern : I 'd like to report a CRA/UDAAP issue with my credit card account from Bank of America as they have operated in a practice that is deceiving to consumers. As a consumer, I have a XXXX % payment performance and have never missed a payment in my life on anything. With Bank of America, I had a closing date on my credit card of XXXX/XXXX/2016 and I therefore paid my bill on XXXX/XXXX/2016 via electronic transfer from my checking to credit card account. In addition, I paid extra during the month to make progress on paying down my debt. Instead, Bank of America credited my payment to the previous month ( not quite sure why ) so by being proactive and paying the date following my closing I was penalized. They have offered to waive my late fee but reported that this will be transmitted to the credit bureaus which I will be disputing with the credit bureaus. My goal is to have this noted and to have an advocate as I seek to adjust my credit bureau reporting.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I identified discrepancies with the following account that are hindering my ability to secure credit. In compliance with the Fair Credit Reporting Act ( FCRA ), I am submitting a formal request for a procedural investigation to verify the accuracy of the reported information. 

Below are the account details requiring your immediate attention : Account Name : XXXX XXXX  XXXX Account Number : XXXX Please conduct a thorough reinvestigation and provide documentation of your findings. If the information can not be confirmed as accurate, I expect its immediate removal from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX reached out to Transunion as well as XXXX XXXX on numberous occassions in reference to the fact they are reporting inaccurate information on my credit report. According to The Fair Credit Reporting Act ( FCRA ) all information should be 100 % accurate. My XXXX XXXX account state XX/XX/XXXX ( ok ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). This is a violation of The Fair Credit Reporting Act as this information is inaccurate. Transunion and XXXX both have violated my rights stating the account has been verified as accurate as shown the the multiple reports I have received from Transunion. The Fair Credit Reporting Act requires the account to show 30 days, 60 days, 90 days and 120 days if an account is in fact late which I wasnt on this account.
Product: Credit reporting or other personal consumer reports

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX  XXXX XXXX- XXXX XXXX XXXX - {$640.00} - The account does not belong to me. 
XXXX. XXXX  XXXX - XXXX # XXXX - {$730.00} -The account does not belong to me. 
XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX - {$1000.00} - The account does not belong to me. 
XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX - {$600.00} - The account does not belong to me. 
XXXX. XXXX XXXX XXXX - XXXX # XXXX - {$610.00} - The account does not belong to me. 
XXXX. XXXX XXXX XXXX - XXXX # XXXX - {$420.00} - The account does not belong to me. 
XXXX. XXXX XXXX XXXX - XXXX # XXXX - {$1300.00} - The account does not belong to me. 
XXXX XXXX XXXX XXXX XXXXXXXX # XXXX - {$8200.00} - the account does not belong to me. 
XXXXXXXX XXXX XXXX XXXX  # XXXX - {$0.00} - The account does not belong to me. 
XXXX XXXX XXXX XXXXXXXX # XXXX - {$0.00} - The account does not belong to me. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX # XXXX - {$830.00} - the account does not belong to me. 
XXXX. XXXX - XXXX # XXXX -m {$150.00} - the account does not belong to me. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : XXXX. Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX- please update my address to XXXX XXXX XXXX XXXX XXXX. XXXX, Il XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax reporting XXXX XXXX XXXX credit Inquiry
Product: Credit card or prepaid card

Im attaching chat transcripts and tracking summary. In summary I sent my XXXX XXXX XXXX headphones and they were supposed to be sent back to me in a different color. They then cancelled the different color and did not credit me for the returned XXXX XXXX headphones. In their system they say I received a replacement. I did not. And they can not provide me a tracking number for anything they sent back to me. 
I said to ask them for the tracking number for this supposed replacement I spent my time compiling all the evidence and you ignored it. I want to talk to a supervisor or the tracking number for this replacement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  Balance : {$64000.00} ; XXXX XXXX XXXX Balance : {$380000.00}.
Product: Credit card

I am filling an XXXX report, Under the FCRA laws my information, my information was exposed in the data breach, I am filing a complaint TO GET EVERYTHING REMOVED off of my account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have discovered ongoing unauthorized inquiries. Despite my prior communication with

Equifax and XXXX requesting a reinvestigation, regrettably, the matter remains unresolved to date. Equifax 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023
Please remove this inaccurate information from my credit report.

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.

XXXX 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian =================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX This company is reporting negative remarks and late payment in my credit report after I have filed Chapter 7 on this account. This letter is regarding the account I have listed with this company. This is a formal notice that claim is disputed. I'm advising you that you have violated the Bankruptcy Code and permanent injunction provisions, basically a cease and desist letter is sent. The case law is pretty clear that a violation of the discharge injunction is punishable with sanctions for damages incurred by the Debtor, which would include reasonable attorneys fee, Thus, the end results will be that the violating creditor will have to fix negative reporting.
Product: Debt collection

Below is a description of events and the chronology in which they occurred, while dealing with Afni collections. 

On XX/XX/18, I received an email from XXXX XXXX informing me of a new account under my name. I opened and read that email on XX/XX/18. It stated that a new AFNI account was added to my XXXX  report. I followed the link and found out they had placed a collection on my account for {$370.00}. They claimed it was an XXXX XXXX XXXX account I owed money on. I have no knowledge of this account. I was unable to contact Afni until  XX/XX/18. A XXXX answered the phone and asked me for some identifying information. Once she was able to bring up the account, I was transferred to an XXXX XXXX. After she went through her legal statement, she asked how I wanted to pay for the debt. I informed her I have no knowledge of this account, nor have I received any information from Afni regarding this. I asked for proof of any communications sent to me. This is what I was told by XXXX according to her, Afni received the account on XX/XX/18. She stated that a letter went out on that date describing the debt. I asked for proof of this letter and she was unable to provide it to me. She then directed me to their website where I could find all of the communications sent to me. XXXX provided me with the instructions on how to login to my account. I told her I would look into this and call her back. On the website, I found only 1 letter dated XX/XX/18. This letter states that it confirms the original creditor and the balance owed. I could not find a letter dated XX/XX/18 as told to me by XXXX. I called her back and explained that I could not locate the XXXX letter and if she could assist me on finding this letter. She asked to place me on hold so she could speak to her support department. When she returned to the call she stated the following .... According to her support department, because Im in NY when I access the letter online it defaults to the date in which I access the account. Not sure how that happens when it is in .pdf format but Im no computer whiz anyway. I asked simply on how I could get a hold of the XXXX letter. After some divisive wording by her, she told me they were going to close the account and have it deleted. I specifically asked if they were going to send communication to the credit bureau notifying them of this deletion. She clearly stated YES.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports