23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These accounts contain information that is both incomplete and inaccurate, thus violating my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 611 ( a ) ( 1 ) ( A ) stipulates that consumer reporting agencies must provide accurate and complete information in credit reports. Furthermore, FCRA Section 623 ( a ) ( 2 ) mandates that if a consumer disputes the completeness or accuracy of any information in their credit file, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate or incomplete.

In addition to FCRA violations, I refer to specific consumer laws that reinforce the importance of accurate credit reporting. Th
e Consumer Credit Reporting Reform Act of 1996 ( Public Law 104-208 ) and the Consumer Financial Protection Act of 2010 ( Public Law 111-203 ) both underscore the necessity for accurate and fair credit reporting practices. These laws were established to protect consumers from inaccurate information impacting their creditworthiness. 

Furthermore, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) amended the FCRA to include provisions for the accurate reporting of consumer information and the removal of inaccurate information from credit reports. Under FACTA Section 312, consumers have the right to dispute inaccurate information on their credit reports and have it corrected or removed. 

The accounts on my credit report are inaccurate and incomplete : XXXXXXXX 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
Product: Debt collection

Information of my stolen identity to open a Chase credit card. I provided information that I did not initiate the application and that my regular commercial bank was hacked and money transferred to pay Chase credit card. Chase XXXX XXXX fails to investigate the wrongul payment to Chase. Chase XXXX keeps claiming my identity not stolen. 
Chase Card Services continue to send letters demanding payment. ( I did not use the card in question, Chase keeps repeating that I made payment but fail to realize that my Bank accounts were hacked and balances withdrawal to fraudently pay Chase credit card, later Chase returned the hacked funds ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, I had an extension applied to my account to defer the XXXX payment for Nissan Motor Corporation which would cover my XXXX payment, so doing this I had a payment return of {$470.00} because at the time we needed that money back and I was never contacted or told that because the payment was returned the extension was canceled ; this caused me to have a missed payment and go directly on my credit report which at the time is significant and we were close to owning a home but because of this inaccuracy it has delayed us in buying a home. When I talked to Nissan they said to contact you to get this removed so we can purse this action. This caused my credit score to drop to XXXX and not the XXXX to be able to close on my house. I would like this investigated and removed from my credit ASAP. Once i knew it was late I immediately paid the requested amount. To this date if i have been late on a payment I had requested an extension and never had been late on this account, please see account history attached. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Getting a new leased vehicle on XX/XX/XXXX, a driver ran a red light within six days of the lease and destroyed my car. He was given a citation for the Total Loss of my vehicle. 
I was told by XXXX in XXXX and by my XXXX  XXXX  in XXXX that the GAP insurance covered all expenses. My replacement lease also increased by {$570.00}, which no satisfactory explanation was provided. 
Mazda Financial Services closed this lease agreement apparently in XX/XX/XXXX with an outstanding balance and never informed me of the discrepancy or miscommunications. I had no way of knowing this existed. They have damaged my remarkable credit now with no customer relations or concern.
Product: Credit card or prepaid card

I went to the QVC website on XX/XX/XXXX to look at make up. There was a banner ad on the website stating that if you open a credit card and make a purchase within the week time span you would get {$20.00} credited to you. 
I clicked the banner ad and applied. I was approved for the card and made a purchase right away. 
I never seen the credit in my bank statement. I called Synchrony Bank which issues the card. They told me the credit is handled through QVC. 
I contacted QVC around the week of XX/XX/XXXX. They told me they seen the promotion but that its the 6-8 week time frame, after that passes I will see a credit to my QVC account of {$20.00} which I can apply towards a purchase. 
I miscounted weeks and still didnt see the credit around XX/XX/XXXX. I contacted QVC once again and they informed me it wasnt quite the 6-8 weeks yet and to just hold out a little longer and the credit would appear by the following week. 
The following week, on XX/XX/XXXX I reach out to QVC because it still isnt there. The rep that I spoke with apologized, credited it to my account and told me it was ready to use. 
Come yesterday XX/XX/XXXX, I went to purchase something and there was no credit in my account for the {$20.00}. 
I once again contacted QVC who told me they see where the rep credited me {$20.00} on XX/XX/XXXX but that the finance department took it back because Synchrony Bank states that I opened the card prior to XX/XX/XXXX and it didnt qualify for the promotion. 
I clicked on the promotional banner, applied, and purchased my item all in one website visit. If not in one visit it was definitely by the next day. But either way I know that I clicked the banner about the promotion and applied right through the banner link. It said that you had I believe around 5 days to purchase the product. 
I worked in banking  for five years, I know how the promos work, how they can be very specific. I make sure to read all and follow. 

At this point Im pretty annoyed. 
They gave me a {$20.00} credit on XX/XX/XXXX but take it away XX/XX/XXXX according the the rep I spoke with? 
What if I had used the credit in that time? Would they have chased me for the money back? 
The rep told me that she couldnt override the banks decision and all she could do would be give me a {$10.00} credit for the inconvenience. I told her that wasnt acceptable. She advised me to call the bank. The bank told me to call them and up till this point it had always been that way. 
Also why did three reps tell me yup the credit is coming. I see you met the requirements. Its coming. And what kind of company gives the credit, tells me it lasts for three months then takes it away? 
They were able to reference all these conversations, on the fact alone that three reps told me I would be getting it they should honor the credit. 
The lady woman I spoke with just kept repeating herself that she couldnt do more. I asked to have it looked into again because whoever did the validation was incorrect and she wouldnt have that done. 
Ultimately she offered to have a manager reach out to me today and Im waiting for that call.
Product: Credit reporting or other personal consumer reports

Trans Union and Equifax and XXXX are reporting wrong addresses. Ive asked for them to be removed on multiple occasions and they are still have Not been removed. I have provided the correct information under my name and social and ID also proof of address in Which I should be only showing one address, one name, one birthday on my credit reports in compliance with reporting the correct information on an individuals behalf.
Product: Credit reporting or other personal consumer reports

Trans Union is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. They are in further violation of 15 USC 1681 & 15 USC 6802-6805. I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. I did not sign any contracts with Transunion to report any negative or inaccurate items reported on my credit file. I am asking that ALL negative or inaccuracies be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This Bankruptcy accountis being reported on my credit report as if they arethe furnisher, then this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account need to be removed from my file. 
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
Product: Credit card

I previously was a member of Navy Federal Credit union and loved my bank. I was pretty current on my credit card and even was able to raise my limit. I only used the card for rental vehicles. After about XXXX years of membership, I had the most devastating thing in my life happen. I had been renting a vehicle and adding money to my credit card the way I always have, and a hold was always placed on the account as usual. I would keep adding money so that I could keep my long term rental, as I have been doing for years. At the end of my rental, after I have received my receipt of payment I am then charged for almost XXXX on a {$400.00} card. All of the money held by navy federal should have been on that credit card, as I had no access to it. I had to add money every time! After calling multiple times to try to get thru to someone who could make it make sense, my account was closed within minutes! I could not even log into my account. on top of that, they are stating i committed mobile deposit fraud, when I didnt even have access to my debit card. and when I attempted to remedy this, I was told the people i needed to talk to werent in and to send a message. multiple times ive been told that I can not talk to anyone over the phone, just for them to call me during my work hours and tell me, there isnt anything they can do. My credit utilization is at XXXX % because they wont simply send the card to collections or delete this fraudulent amount from my account. I am now not able to secure housing for me and my XXXX children who are XXXX and under nor get a vehicle. I am struggling due to this. XXXX Fed ruined my life.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Capital Recovery Corporation ( also known as CR Corp ) for engaging in unfair and harassing debt collection practices. I have been receiving persistent phone calls and text messages from them attempting to collect a false debt allegedly owed to XXXX XXXX, XXXX. 

Capital Recovery Corporation has failed to adhere to the Fair Debt Collection Practices Act ( FDCPA ) by : ( XXXX ) Failing to provide any written notice regarding the alleged debt. 

( XXXX ) Failing to provide proof or validation of the debt. 

( XXXX ) Not offering me any opportunity to dispute this false debt. 

( XXXX ) Harassing me through repeated calls and text messages. 

I entered a payment plan with XXXX XXXX XXXX XXXX on XX/XX/year>, and have been making payments in accordance with our agreement. Additionally, XXXX website confirms that I do not have any outstanding balance. Despite this, Capital Recovery Corporation continues its collection attempts, which I believe constitutes unfair and deceptive practices.

I kindly request that the CFPB investigate Capital Recovery Corporations actions and take appropriate enforcement measures to prevent them from further violating consumer rights. Additionally, I request that Capital Recovery Corporation cease all contact with me regarding this false debt. 

I have attached any relevant documentation, including my payment agreement with XXXX XXXX XXXX XXXX and proof of payments made to date. I have attempted to reach XXXX XXXX, XXXX through multiple voice messages and email ; they have not been responding. Please let me know if any additional information is required. 

Thank you for your attention to this matter. I appreciate your prompt assistance in ensuring that my rights as a consumer are upheld. 

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

Approximately XX/XX/19 a fraud XXXX  acct was opened in my name. It was {$2000.00}. I found out immediately and contacted the company. They said would be taken off but still on my Equifax report
Product: Checking or savings account

On XX/XX/30 I visited a local pharmacy in an attempt to withdrawl XXXX dollars from my account. The ATM retained my transaction, meaning it took the money back because I took too long to physically grab it. ( What I assume to be a security feature of some sort ) I'd received a phone call at the time I was standing in front of the machine and didn't grab it on time. 

This is all reflected on the statement. There is an ACH prenote on my account statement the moment the machine took my XXXX dollars back, for an amount of {$0.00} immediately following my withdrawal of {$200.00}. 

I've contacted my financial institution only to be given the run around and given no information as to the whereabouts of my dispute or any idea when I'll get my money back. I don't understand why this process is taking so long, given the fact I was on camera and all of this information is reflected in my statement.
Product: Credit card or prepaid card

When applying for my Capitol One XXXX credit card, I was under the impression due to false advertising that I would receive credit increases. On both XX/XX/2021 and XX/XX/2021 I was denied a credit increase. I am a loyal and responsible customer. I spoke with two representatives, one whom is a supervisorboth were no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing a complaint because this XXXX XXXX account XXXX is negatively affecting my credit report. I disputed this account originally back in XXXX of this year regarding furnished information appearing on my credit. This account is appearing has a collection/charge off and was closed back in 2016 however this account is reporting current payment history which doesnt make sense since this account is closed. This account shouldnt have any payment history reporting since its already been closed. Also, from looking at the FCRA it considered a violation by furnishing information. Anyways I disputed this account again twice in XXXX but there was still current payment history after Ive repeatedly disputed it but also the account was not verified. Please take a look at my previous credit reports, my most recent one and my proof showing my letters were sent certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX, 2. XXXX XXXX XXXX XXXX, 3. XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX  and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, XXXX and Equifax on XXXX/XXXX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit card

XXXX paid a bill that I never received that was late and had interest and late fees, asked to cancel account and receive XXXX balance confirmation. Company did not send XXXX balance, did not confirm closure and a month later sent a {$2.00} bill for minimum interest charge on XXXX balance.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into certain accounts on my credit report, as there appears to be a misunderstanding regarding their accuracy. These accounts were previously removed but have been reinstated without my knowledge. I did not receive any notification or correspondence about their reappearance.
Product: Vehicle loan or lease

TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER - CASE # -. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER - BANKRUPTCY LAWS. ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER - PAY SCHEDULE OF CREDITORS...
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}