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

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX Finance ] Account Number : [ XXXX ] Date of Charge-Off [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureau requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. This account is reporting inaccurate late payments as I have statements showing I did not owe a balance duringthosetimes. 
XXXX XXXX XXXX XXXX Balance {$100.00}
Product: Credit card or prepaid card

Comenity capital bank. XXXX credit iopen this card for 12 months interest free credit at the end of the 12 months if you still had a balance they were charged all the interest to your account My accrued interest as on my statement every single month was to hit on XX/XX/XXXX and I need to make payment in full by then on the week prior to XX/XX/XXXX I called the one 800 number numerous times to try to make a telephone online payment they wouldnt except my online payment because of the amount it was over {$7000.00} they said I needed to speak to a representative I called three times I was on hold for 30 minutes 45 minutes and almost 2 hours and no representative ever came on I couldnt make it to the automated system because it was too high of a balance so I was forced on the day before XX/XX/XXXX to go online to their website and make the payment through the website when I got to the website there was a radio button that said pay this balance in full I click the radio button on XX/XX/XXXX the day before the interest was to be put on my account and they took the money out of my checking account no problem well it turns out that my minimum payment was due on XXXX XXXX and I never made the minimum payment so they waited until after the XXXX to put a {$25.00} late fee so even though my balance was XXXX on the XXXX like it was supposed to be not to get charged a accrued interest I owe them a {$25.00} late fee which they hit me for five or six days after I didnt make the minimum payment and after my belt is already XXXX and then they checked on the {$4000.00} in accrued interest I dont believe I owe them any of this money had their 800 number picked up the phone and they can check Buy my phone number that I called and I was on hold and they know that their automated system wont take a payment for that amount of money and that I try to do it and they will see that I signed up for the webbing in the day before the payment was due so that I could get this payment in because there was no other way for me to pay it I hit their radio button that said pay this balance in full and I did and then they still hit me with a {$25.00} late fee six days after and then charge me {$4000.00} in interest I dont think this is the way it supposed to work most credit card company said you with the late fee the day after you dont pay it and I think they did it on purpose their lack of customer service the lack of technology is what caused this problem and I would like the entire accrued interest for all the charges reversed I try to fight it with them and they gave me a XXXX {$50.00} credit so I would like all the rest reversed and it take it off my credit report ASAP
Product: Debt collection

I owed XXXXXXXX XXXX for an utility bill. The bill was sent to XXXX collections in XX/XX/year>. I paid XXXX for the debt in XX/XX/year>. I was contacted by way of a collections on my credit report by online services in an attempt to collect again for XXXX XXXX I contacted XXXX in regard to the debt being paid to XXXX they insisted that I still owe them despite paying XXXX. I also spoke with Online services and they said the debt was verified with XXXX to be owed and despite I have a paid receipt from XXXX, Online collections can not remove this account from collections. I have a resolved receipt from XXXX that is attached. This is illegal to collect on an account that has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} Opilphnt XXXX XXXX {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving constant notification via XXXX XXXX that this company is reporting my payment history as having past due payments on an account that was paid in full and closed in XXXX of 2021. I have disputed this information every month since XXXX with XXXX XXXX. XXXX XXXX would clear the incorrect information only to have XXXX XXXX report it again within 30 days. This month they are now reporting incorrect payment history to Equifax. 
When I was a XXXX XXXX customer, I paid them every two weeks and I was never more than 30 days past due. I have enclosed a sample of my bank statement for your review. I was told by the company that my payments were misapplied and this was causing the issue. It was a hassle to get them to fix it and finally they agreed and corrected the report BEFORE i paid them off. Their carelessness caused me to rescind doing business with them and pay the account off to prevent future mix-ups. 
I do not understand, why this situation has not been rectified by now and it seems to be getting worst. They reported me at 100 % payment history the life of the loan, then 96 % payment history and this month is now being reported at 91 % payment history after the loan was closed which is unacceptable. This is severely impacting my credit score and causing problems with rates quoted from potential creditors. I sent an email to the company on XXXX for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3700.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in XX/XX/2022 asking that they please add XXXX XXXX XXXX  XXXX XXXX XXXX for which I am an authorized user as my Equifax Credit Report was incomplete and missing the XXXX credit cards in question. Equifax, as of today, has refused to add these XXXX accounts without basing their decision of any statute, law, edict, court case, dicta, caselaw, etc. In fact, my request have been ignored as a reply has not been afforded. The FCRA permits CRA to add " authorized '' user account to profiles. In fact, both XXXX and XXXX both show these XXXX accounts in question. Of real concern is the fact that Equifax, in retaliation, has initiated, on its own, disputes with some of my creditors. Yes, you are reading correctly, I have not disputed any inaccuracies nor disputed any incorrect information shown in my Equifax Credit Report. Equifax has opened multiple disputes without my approval and without my knowledge. For example, multiple disputes have been opened by Equifax with XXXX XXXX  XXXX, on account XXXX, a legitimate account, in good standing, and for which I have no problems with. The information for his account is correct. Why did Equifax, randomly, decided to start opening disputes with this creditor without my permission? This is illegal! Equifax reference dispute # : XXXX and XXXX. My cease and desist letters have been ignored. I will file a complaint with my State Attorney General and consider taking legal action. Under what FCRA statute does Equifax opens up disputes with my creditors in a secretive manner? What legally justifies their actions?
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX another card that was unauthorized was linked to my account. {$3100.00} was withdrew out of my account. I called several times to dispute. The company did not resolve my issue and closed investigation.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX continue to state they have verified this allege child support account when I know its incorrect. I would like to know the details explicitly on how they verified this information when I called the support office and they stated they have not spoke to no representative to confirm this information. This is my final attempt at removing this account before I sue and use every complaint filed as evidence I have repeatedly asked for the method of verification on which they determined this information was indeed correct.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX I requested a credit line increase on XXXX of my credit card accounts I have with Capital One Bank I have a Saks Fifth, XXXX and Quick Silver which are all financed by Capital One I was approved on My XXXX credit card original credit limit {$1500.00} new credit limit {$4500.00} Saks original credit limit {$750.00} new credit limit {$2700.00} which were both done with a soft pull to my credit my Quick silver was denied for too many inquires when I only had 2 inquiry and the balance was too low when I have paid the card in full so the reason for denying me is a complete lie I have been a customer with Capital One bank since XXXX and I believe it is unfair to be mistreated and denied for false information. This is discrimination and I would like the decision reconsidered knowing that I was approved for 2 credit line increases on the exact same day with the bank I have attached showing the inquiries on my credit report
Product: Checking or savings account

Capital One mailed me a closeout check on or around XX/XX/XXXX, received on XX/XX/XXXX, deposited to my XXXX XXXX account on XX/XX/XXXX. Capital One chose to place a stop payment prematurely on the check and in error, they will not admit to this error plainly, will rather state " Expectations not set correctly '' as reason for stop payment. A second check was expedited via XXXX second day air and rep ( s ) did not allow enough mail time for prior check before reissuing and thus stopping payment.. The check amount, XXXX, represents the remaining balance in my checking account ending in XXXX. Replacement check was sent on XX/XX/XXXX and delivered on XX/XX/XXXX. I left for XXXX XXXX on this day, was not at my address to receive/sign for it or sign check itself. 

XXXX XXXX with XXXX XXXX XXXX picked me up, drove me to XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX. I have a statement from Mr XXXX stating he picked me up on said date and time. Please see attached document from Mr XXXX, he can be reached at XXXX. I was in XXXX XXXX from XX/XX/XXXX to XXXX. 

I received information from a XXXX with leadership team at Capital One stating said check was intercepted and signed by a XXXX XXXX whom does not live here, cashed at a XXXX XXXX XXXX which is not my account and do not bank there. A XXXX XXXX with Capital One has replied in re about this, stating the person, XXXX XXXX, lives at my address and the XXXX XXXX Bank account is or was linked to my Capital One account at some point. She also refers to a check deposited to my account from this person sometime ago. My account is now closed and It appears Capital One chose to close it due to account security, they saw the linked account, which I am not aware of, as a possible risk. It appears someone had hacked into my account at some point, added XXXX XXXX account and also used my account to cash a check in the past. Neither of these two incidents are related to loss of funds or constitute receipt of them. 

If Capital One will check signatures on check received on XX/XX/XXXX and replacement check delivered on XX/XX/XXXX, they will see signatures are different from another. Also, another check from Capital One covering overdraft and return check fees relating to stop payment shows my true and correct signature, as does the check received on XX/XX/XXXX which was deposited to my XXXX account and is now closed due to overdrawn status. The overdraft is a result of Capital One stopping payment prematurely as stated prior. I've requested Capital One check signatures, XXXX XXXX did not comply. For argument sake and figuratively speaking even if the person, XXXX XXXX, is related, does not mean funds were not stolen from me as they in fact were..

I request someone in office of the President look into this matter which has been ongoing since late XX/XX/XXXX/early XX/XX/XXXX. To avoid investigating signatures as requested, Capital One chooses to mark complaints as duplicate to avoid doing so. They requested additional time to reply to a prior complaint, which took over a month and then turned around, marked it as duplicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Im very upset with this matter. I sent a letter regarding inaccurate information on my credit report causing my credit score to drop 134 points. In till this day over 45 days later I still havent received a response. I did my research and I know the credit bruros have 30 days to respond says section 611. I feel violated.
Product: Debt collection

The person using my name had two different accounts with XXXX XXXX for cable service for the address, XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX, and owes {$410.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a complain explaining that XXXX XXXX is prohibited from showing my account paid at the three credit bureaus XXXX  Experian and XXXX  but they have not taken it off as for deletion, I've already filled a complain to the CFPB to mandate them to stop showing XXXX XXXX account on my credit report as it should not be there because the account was placed on collections for the reason that I was not contacted to be informed that the account was goin to collections so I did not had a chance to pay it before It was transferred to collections and now its affecting me in my credit report even though I paid it.
Product: Debt collection

I received a collection letter from Midland Credit Management in late XX/XX/XXXX. They represent " Shop Your Way '' whose creditor owed them the amount of {$54.00} for a pair of shoes which was bought on credit using XXXX credit card. When I asked for the copy of the bill, it showed the address in XXXX, Nevada, where I used to live when I was married to my second husband who passed away in XXXX. Prior to his death, my husband and I were divorced in XXXX, so I moved out and returned to my home here in California. I have never bought anything on credit from the company " Shop Your Way '' and I do not have any credit card with XXXX. 
I wrote to Midland Credit Card XXXX at the address XXXX XXXX, XXXX XXXX, CA XXXX and disputed the charge made to my name. Despite the facts that I had told them, plus the copies of my excellent credit report from the reporting agency, they did not stop sending threatening collection letters which bothered me so much. I reported them to the police station in our city, but I was told that I did not commit a crime and should just ignore or report them to FTC. So this is what I had done. Now I am reporting this again to you for attention and resolution. Thank you.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Recently, Paypal decided to close my account that I've had with them in great standing for several years out of the blue and without a warning. Paypal is notorious for doing things like this as I have uncovered from other people 's complaints. In my case, they approved me to get paid out right away which is a privilege to have with this company and only reserved for the customers who are in good standing with this company, I believe it's called funds now. Which confirms the fact that I have a great track record with them. However, a few weeks ago, I go to log into my Paypal account and wouldn't you know it, I get a message telling me that I have violated their terms and/or conditions and that they no longer wish to do business with me. Why????? Why Paypal???? How about an explanation about why you would treat a long standing great customer such as myself like this all of a sudden? I have done nothing wrong or out of the ordinary and you drastically shut me done and treat me like some kind of infectious disease. This is unacceptable! 
The only transactions that I have recently done on my account around this time was to receive rent payments from a guest chef that was visiting from XXXX to open up a new restaurant in downtown XXXX. He stayed with me for a couple of months while I rented out half of my apartment to him-Legally! And the other transaction was to receive payment for a cell phone that I sold to someone from XXXX that came to my home and picked up the phone and could only pay me by sending it through your service to my account. That's it! So, you want to tell me now how I have violated any of your terms and conditions in any way with these transactions?? Enlighten me please. Or, can you tell me what was unsafe about either one of those transactions? Nothing! They were all legitimate and normal transactions and for you to close my account just like that for conducting these normal transactions or without any warning is wrong and unprofessional. My login user id for this account is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

victim on credit inquiry and negative information reported on credit report.. I called the credit companies filed complains with them not solved i have negative information on my credit report from XXXX that was reported a payment was sent then returned back into my account because the bank could not match info when i checked i found out later with out notice that payment was sent back. account is settled and paid for XXXX XXXX is still reported negative info on my credit file .. Inquiries on my credit report from XXXX XXXX recently they requested my file on XXXX XXXX XXXX which resulted in a hard inquiry and from XXXX inquiry when i called i found it was from an auto loan place on XXXX XXXX XXXX inquiry. XXXX XXXX which i never authorized a copy of my report which results in a the inquires and negative info report on all XXXX bureas and this is really hurting me.