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

I have 4 student loans reporting in my credit report with inconsistencies and I have requested all 3 credit bureaus to correct this information and they keep coming back with the information is verified. 

The account numbers for my student loans are not reporting correctly. the late dates that are reporting is misleading and not reporting accurately I have attached a print out of my credit report and circled what is inaccurate and what I have been disputing for the past 3 months with the credit bureaus. 

I have requested from XXXX for VOD and they have not responded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Equifax. I have numerous times tried to access my information thru there website only to be referred to an XXXX number that is automated and ask you a series of identifying question. To only then still be denied information. I have had an account with XXXX for months now it is now paid in full. They report to all 3 credit bureaus. But it is not on my Equifax nor has my credit score changed in 3 or 4 months now eventhough it does show that there were credit inquiries made. I feel like the drop the ball on accuracy of information and consumers are being penalized for there negligence.
Product: Credit reporting

XXXX accounts XXXX account number XXXX and XXXX account number XXXX are over 7 years old. They are legally not allowed on the credit report any longer. However, Experian has kept reporting the accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made without my knowledge or authorization. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXXXXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$5500.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My personal, private, identifying information ( PII ) was breached during an alleged " audit '' being performed by the supposed XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ) and XXXX XXXX. This individual is not an elected, nor vetted or otherwise qualified federal employee, and neither are the individuals working on his behalf. As of the week ending XX/XX/year>, I can not rely on XXXX XXXX XXXX XXXX nor any third-parties that they have given access to my information to protect any of my most sensitive information including but not limited to my : Social Security Number, Birth Date, First, Middle, and Last Name, former and current residences, former and current employment, and financial data. The disclosure of my PlI was done without my prior, written consent, and continues to be at risk without any notification from any federal institution or representative. The individuals involved in the current disclosure of my PIl have no relation to me or the educational agencies or institutions. I became aware of the data breach during the week ending XX/XX/year> from XXXX XXXX and other news articles, and no communications from the Department or any federal entity.
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I did not initiate these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. Relevant supporting documents are attached for your review.
Product: Vehicle loan or lease

Im accordance with the fair Credit reporting act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

applied for a XXXX loan, XXXX XXXX sent XXXX to the school, the school then returned XXXX ( half of the loan ) to the bank. XXXX XXXX denies receiving money, then later said they had it, now denies it again. school has not received the total XXXX ( only XXXX ). This has been over a year i have been struggling with it. I am paying interest on a XXXX loan when i have only received XXXX and the bank is uncooperative. i never receive call backs when promised, and each time i call i get a different answer for where the money went. I think it is ridiculous that i bank has LOST my XXXX XXXX DOLLARS!!!!!!!!!!!
Product: Prepaid card

I Purchased A prepaid Netspend card and added XXXX to the not yet activated card. When I attempted to activate the card an error code request I call the customer Service to complete activation. Due to this incoinvence and the fact I was unable to call I requested that my father call in to see what the issue was. My father called in to help with this puzzling issue. Blind to the fact of that repersentive intentions. since his phone number he was calling from was registered to his own personal previous net spend account which had been restrictred months prior by Netspend for no reason then informed My father that the account would be close and the card for his account was deactivated and a check would be process and mail. Why would any card be able to be added to this account? A purchased un activated card, with no name on it, that anyone can purchase because no account or ID is needed to do so was by forced added my card to a. closed account at her own request. she collected the information for My card just to activate. then informs my father the card can no longer be activated because of his account thats allready blocked with restrictions and the card registered to his account allready block and funds frozen. Now weeks later my card is now unable to activate and netspend refuse to fix this. Now they want documentation for a mistake they made and want us to verify information for an account that does not belong to me in order to now receive a check for my money.
Product: Credit reporting or other personal consumer reports

XXXX is reporting invalidated information about me, XXXX has never responded to any debt validation request and has never proven to have loaned consumer any money. XXXX has not provided a full account number nor any lawful binding conspicuous contract between consumer and XXXX XXXX. Monthly statements which are in the positive does not prove a debt exist. XXXX is reporting this invalidated negative information just because XXXX XXXX and their debt collection law firm are claiming the debt exist but have never responded to any of my debt validation request which is proof of XXXX XXXX unwillingness to validate. This is all truth and fact as XXXX XXXX  has no proof of any information requested.
Product: Credit card or prepaid card

The issue was that I was living in a rooming house that had run amok in XXXX XXXX  and people from the rooming house were taking my card and making charges while I was asleep or possibly drugged by them. I no longer live at that address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ) where I was a tenant in good standing, and have moved due to gross mismanagement by my previous landlord and for health reasons ( I have XXXX / XXXX  ). 

I would be happy if they would issue a provisional credit for the signature charges dated XX/XX/XXXX. (  $ XXXX {$700.00} ) All of which ( with the exception of 1 charge ) happened in rapid succession at a nearby XXXX over just a few minutes. ( see attached report ) A PIN WAS NOT REQUIRED?? 



XXXX XXXX  POLICE C.I.D. ( XXXX ) XXXX Case Number : XXXX XX/XX/162020 For details see my letter below and attached correspondence from NetSpend / PayPal Prepaid : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX NetSpend Corporation XXXX. XX/XX/XXXXXXXX XXXX, TX XXXX SUBJECT : EMERGENCY ESCALATION FOR CORRECTION OF DISPUTE Account Number : XXXX Claim Number : XXXX Claim Date : XX/XX/XXXX Dear NetSpend, I am writing to document the current situation that we have in the above referenced dispute : 1. I MADE THE CLAIM ABOVE OVER THE PHONE ON XX/XX/XXXX. THE CONVERSATION WAS RECORDED. 
2. DUE TO CONFUSION OF DISCOVERING I HAD NO MONEY AND DOING CLAIM OVER THE PHONE I IDENTIFIED PIN TRANSACTIONS THAT ARE MY OWN BY ACCIDENT BUT WAS TOLD BY THE PERSON TAKING THE CLAIM TO PUT IT ON THERE IF I WASNT SURE. SHE DID NOT CLARIFY THAT SOME TRANSACTIONS WERE SIGNATURE TRANSACTIONS AND I THOUGHT MY PIN WAS COMPROMISED. HAD SHE MADE THE DISTINCTION CLEAR, I WOULD HAVE MADE NO MISTAKE. 
3. ALL OF THE TRANSACTIONS I WISH TO DISPUTE ARE SIGNATURE TRANSACTIONS WHICH I KNOW ARE NOT MINE. SOMEONE WAS ALLOWED TO SPEND {$600.00} ( +- ) AT A XXXX WITHIN A FEW MINUTES DOING SIGNATURE CHARGES ON XX/XX/XXXX. THOSE SIGNATURE CHARGES AT XXXX ON XX/XX/XXXX ARE THE ONLY THING I WISH TO DISPUTE. THERE WAS A SIGNATURE CHARGE AT XXXX  ( A GAS STATION ) THE SAME DAY, WHICH WAS LIKELY ALSO FRAUD, AS I DONT HAVE A CAR AND IT WAS LIKELY THE PERPETRATOR ( S ) REFUELING AT XXXX.

4. THIS MATTER HAS BEEN REPORTED TO THE FTC AND THE LOCAL POLICE.

5. I HAVE SPENT HOURS ON THE PHONE WITH PAYPAL PREPAID AND THEY ALWAYS PROMISE THAT SOMEONE WILL CALL ME BACK FROM THE FRAUD DEPARTMENT BUT THEY ARE NOT CALLING. I HAVE BEEN PROMISED A CALL BACK AROUND 4 TIMES AND A MESSAGE WAS LEFT ONCE. THE OTHER TIMES, NOBODY EVEN BOTHERED TO CALL. 


I understand about the virus and all, but if youll notice, my account is getting really low. I really need the provisional credit for this revised dispute fast so I can pay bills. I am XXXX with XX/XX/XXXXand other illness. Please take care of this and issue provisional credit. 
Thank You in advance, XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

This complaint is in regard to a Capital One Quicksilver credit card. 

I was locked out of the web portal for a year because the two step authentication insisted on sending access codes to an old phone number I no longer used.

So when I needed the card 10 months later I had to call and update my information to get a current card and access the we portal to keep track of things, I expected that but this is where it gets drawn out on their side.

It took 8 calls, with the 8th call being over an hour long for Capital One customer support to update my phone number. Which I had tried to previously do on prior calls. This is really my contention. It should not have taken two months and 8 calls to update my phone number.

Once I got the phone number updated I could log in online and update my address, which they would not do over the phone ( because they were once more verifying my uploaded ID pictures ). Then I could get the replacement card which they did to their credit expedite to me via XXXX, after two more calls of course.

Additionally Capital One would not provide me the phone number to C.F.P.B. I had to get your contact information from one of Capitol One 's competitors XXXX XXXX. That is the second contention. 

Capital One is attempting successful Fraud protection, which I appreciate but them referring me to a smartphone webpage to upload pictures via a cumbersome interface with incomprehensible symbols for interaction doesn't help. Then them locking you out after two attempts also doesn't help. The worst part is the representatives silence as you ask them how to use the darn id verification via smartphone provision. I had to upload my ID pictures 4 times. Yes the last set of pictures was the best and clearest but their ID check via smartphone needs a really good camera and equally good phone to use. I had to email pictures taken via XXXX camera.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the disputed accounts, their inaccuracies, and applicable regulations : XXXX. XXXX XXXX Account Number : XXXX Balance : {$2900.00} Reason : This account violates XXXX XXXX XXXX XXXX as there is no valid evidence to support its accuracy. Please investigate and provide proper documentation or remove the account from my report. 
XXXX. XXXX XXXX Account Number : XXXX Balance : {$4200.00} Reason : This account is in violation of XXXX. I request immediate verification of this account or its removal if no evidence is provided. 
XXXX XXXX XXXX Account Number : XXXX Balance : {$2200.00} Reason : As per XXXX XXXX XXXX  ( XXXX ), this account was reported without valid evidence. Please provide the method of verification for this account or remove it from my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is inaccurately reported as late in XX/XX/year>2023, XXXX 2023, XX/XX/scrub> 2023, XXXXXX/XX/year>2023, and XX/XX/scrub> 2023. As the balance is {$0.00}, I request you update this account to reflect Paid as Agreed under XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$8000.00} Reason : This account violates XXXX XXXX XXXX XXXX. Please verify the accuracy of this account or remove it if proper documentation can not be provided. 
XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$10000.00} Reason : This account violates XXXX XXXX XXXX XXXX Kindly verify the accuracy of this entry or remove it if substantiation is unavailable. 
Please provide written confirmation of your investigation and any corrections made to my credit report. If these accounts can not be verified, I expect them to be removed immediately in compliance with federal law. 
I have attached a copy of my credit report ( highlighting the disputed accounts ) and a copy of my identification for verification purposes. Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ) and ( XX/XX/2024 ) XXXX XXXX XXXX Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams frauding my credit file of XXXX XXXX XXXX of XXXX  XXXX Indiana of XXXX ( XXXX ) XXXX XXXX of XX/XX/ Frauding scams using my documents attached to XXXX XXXX XXXX of XXXX  XXXX Indiana and XXXX XXXX XXXX XXXX and XXXX county XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. 

Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX documents of XXXX XXXX Frauding scams 5 great lakes towns wide frauding using my credit file by others resterants franchises tore into my documents and groceries stores tore into my documents frauding my credit files 50 states frauding using groceries stores frauding my credit files using XXXX XXXX products and Brand advertising and Brand marketing Frauding scams using resterant diners menus frauding scams using XXXX XXXX. 

Frauding scams using retailers business and clothing store and clothing franchises used XXXX and XXXX Frauding scams using chruch groups and pasters frauding my documents Frauding scams using auto stores Frauding scams using medical records Frauding scams using XXXX auto and XXXX auto Frauding scams using XXXX factory and XXXX factory and Gearing factory frauding my aunt XXXX XXXX XXXX XXXX XXXX Indiana Fraud IDs scams frauding my XXXX factory in IA Fraud scams using XXXX factory in others states fraud XXXX Indiana Frauding scams frauding using XXXX factory in Florida frauding my family 's sir name documents of XXXX or XXXX XXXX XXXX record 's Retailers store 's business permits sounds like my documents Using XXXX sounds like XXXX and XXXX XXXX and Brand advertising and Brand marketing XXXX XXXX department stores sounds like XXXX my birth certificate of XXXX XXXX XXXX of XXXX  XXXX Indiana Frauding scams using XXXX XXXX XXXX of XXXX Illinois Fraud scams using XXXX auto off my XXXX documents Frauding scams using XXXX auto. 
Frauding scams using XXXX auto Frauding scams using XXXX as business permits and products and towns frauding my XXXX XXXX XXXX documents of XXXX  XXXX Indiana Fraud scams using XXXX court building in XXXX and XXXX XXXX Frauding scams frauding my documents in XXXX California in subdivisions using XXXX and XXXX and XXXX and XXXX Frauding scams using XXXX IDs and business permits frauding using XXXX birth certificate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total title loan with XXXX XXXX that was made fraudulently and despite presented evidence they won't take it off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed Equifax and XXXX  that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry
Product: Debt collection

In XX/XX/XXXX, I received a letter from Chase Bank to settle an {$830.00} outstanding balance on a credit card. The settlement agreement requested either three options for payment in full one of which was two payments of {$87.00}. On XX/XX/XXXX, I made the second and last payment of {$87.00}. The debt was no longer on my credit report as a new account. I requested that my account be marked " paid as agreed. '' But they did not note my account at all. Then, I received a letter on XX/XX/XXXX, from Chase bank dated XX/XX/XXXX stating I owe a balance of {$650.00}. This account has been closed for over three years. The letter also states to settle the {$650.00} that I needed to pay {$65.00}. I made a final payment according to our agreement on XX/XX/XXXX, according to the settlement Chase bank sent me. Today, I am going to pay the {$65.00} because it is impacting my credit report. However, I believe this is egregious conduct and against the settlement. Additionally, Chase Bank keeps reporting an old closed account as if it is new on my credit report. I want them to cease and desist from sending me any more settlement agreements once they receive this last settlement payment and to stop reporting this closed, charged-off account as a new collection account. Furthermore, they need to note in my credit file that I " paid as agreed. '' I pay and then they note that I paid, and that should be the end of the debtor/creditor relationship.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Please see the complaint in it's entirety that is the first attachment to this complaint. 
This Complainant filed a complaint with this agency. The Bank responded by making false and misleading statements which contradicted the written contract between us. It was clear, from their response, their investigations were based on assumptions rather than investigation. This agency relies on truthful statements from both the Bank and the Complainant. The original complaint was closed as a result of false and misleading statements submitted by Chase Bank. The Complainant has attached the written contract so that the discrepancies between the contract and the Bank 's responses based on that contract are clear. Complainant is having to file another complaint due to the escalation of issues since the last complaint was closed. Please see the details as outlined in the attachments below.
Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy B from the IRSXXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) , theyhas failed to update my account to reflect the paid-in-full status. 

This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
Product: Debt collection

Alliance One has been contacting my work numerous times after both verbal and written instructions that this is a violation of my workplace policy. They have ignored these requests and have placed my current job in jeopardy with this repeated harassment. They will not respond to what the nature of the calls are about after numerous requests to do so. I have student loans and am paying on these so I am a little uncertain as to what these calls are in regards to.