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

Time has already passed but up until now, I havent heard any kind of response and this was my many attempts from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of and kindly help me to delete these Charge off and late closed accounts XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXX XXXX Owed : {$2900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
XXXX XXXX XXXX XXXX : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX Balance Owed : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

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  XX/XX/XXXX I have no knowledge in doing business with the companies listed
Product: Debt collection

A tax warrant was issued against me for a tax debt owed to the Indiana Department of Revenue. The debt was sent to collections, and I paid the debt on XX/XX/2022 for the total amount owed of {$65.00}. I have since then received numerous calls and letters from United Collection Bureau for attempts to collect the debt, despite me telling them and providing them with proof ( confirmation page from their payment portal, bank statement of funds transmitted ) that I paid the debt. They still insist on calling me and saying that despite me showing proof, their end isnt showing that I paid.
Product: Credit reporting or other personal consumer reports

Accounts Opened : XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX I am filing this complaint because my credit report contains accounts opened without my consent due to identity theft. Under FCRA Section 605 ( b ), I request the immediate deletion and blocking of these fraudulent accounts.
Product: Student loan

When the company was   XXXX   XXXX  , I had taken out a private student loan with them to complete my medical education. I had taken a loan out approximately  XX/XX/XXXX / XX/XX/XXXX  for {$25000.00}. The loan with interest had ballooned to over {$37000.00}. I have been paying on this loan for over ten years. After all this time, I still owe {$22000.00}. I pay {$230.00} a month. My last payment is scheduled for  XX/XX/XXXX . I have called Navient on a few occasions to see what were my options. The only option given to me was to go into forbearance. However to do a forbearance I was told that I must pay what I recall was a  XXXX  fee. This would only be a few months and I was limited on the number of times in which I could do it over the life of the loan. I believe it was twice.
My complaint is that I have always been on time with my payment as a responsible borrower and I never defaulted on the loan. This company is not willing to help me as a consumer. I am seeking if I can restructure my loan to lower payments and to settle half of my loan and pay it back in a shorter period of time.
Product: Credit card or prepaid card

I've had a hard time getting a job since moving grom XXXX to XXXX and fell behind in my credit card account and home internet service. I started a job on XX/XX/20 XXXX an XXXX XXXX XXXX. When faced with a possible account closure I took an advance and made a payment of {$300.00} when the minimum payment allowed was {$250.00} on XX/XX/20. On XX/XX/20 I paid the remaining balance, {$1100.00} and now I can not use the card because they placed a hold on my payment and told me to wait until the hold was cleared. This is Capital One, when I call, they make me wait on hold and eventually hang up on me. When I talked to them they said they need verification for the last payment, I already have that in an email but they won't even update my account to reflect the last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my XXXX credit report and noticed XXXX inquiries for attempts to establish credit. Below are the inquires with the inquiry date : XXXX XXXX Services : XX/XX/XXXX Prosper/XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

2 days ago I was notified by my XXXX app there was an account listed for unpaid for XXXX. I called and inquired information from XXXX, I was able to locate the company out of PA ( common wealth financial ) the lady asked me to pay the amount owed, I told her I did not believe the debt was mine from 2017 because I never went to a doctor in XXXX. I have managed to build my credit to XXXX in the last XXXX years I never pay anything late and XXXX aware of anything I XXXX have owed. They have caused fraudulent information on my account causing it to go down XXXX points. 
XXXX the account XXXX at common wealth financial then told me if I couldnt pay XXXX to pay XXXX, or XXXX to settle it. I believe this is a scam because I have successfully disputed any old medical bills during Covid time, I believe they XXXX have bought false information in order to take my money. My lawyer and I asked for proof of payment/ bill I never received one, and it shows negative for XXXX. I have filed fraud with my credit advisors, as well as let the company know this is not my debt. I was instructed to file with the ftc.gov as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were transferred from XXXX to another servicer, XXXX. Experian still reports the XXXX loans, and added the XXXX ones, thus doubling my reported debt. I submitted a claim that this was the case, but it was extremely obtuse. They only let me submit a claim for one of the loans ( the student loans are made up of multiple loans, taken out each year of XXXX XXXX  ), the investigation took months, and though it was eventually marked as " closed, '' there was no change that I can see -- they still report the disputed XXXX loan with exactly the same amount as a XXXX, because they are the same loan, only service was transferred. Experian still reports my student loan debt as twice what it actually is, because they do not ( and apparently will not ) remove the old, defunct XXXX loans.
Product: Credit card

I have had issues with disputing transactions with Capital One in the past and again with my most recent dispute. I tried disputing a charge from a car rental company for {$31.00} that included a {$25.00} late fee and {$6.00} the rental car company could not explain. I returned the rental car XXXX hour and XXXX minutes before the agreed time in my contract but when I got the final statement sent to me after retuning the car I noticed a {$25.00} late fee and then within a few days saw the {$31.00} charged to my capital one credit card ending XXXX. I called the car rental company and they agreed the car was returned on time but would not correct the late fee and couldnt explain the rest of what they charged me for. After not being able to get the merchant to make corrections and void the {$31.00} I reached out to Capital One and filed a dispute. I faxed capital one all documents I had pertaining to the car rental and a letter explaining my dispute and why I was disputing {$31.00} and in the rental car documents shows proof of the time the car needed to be returned and that it was returned with in the agreed time. Capital One sent me a response back that even though I sent them documentation it was not sufficient and could no longer assist me with my claim and would be closing it and re charged my card {$31.00}. 
Im asking that capital one reevaluate my case and remove the charge for XXXX from XXXX XXXX XXXX XXXX. 
Due to continued issues with Capital One and their lack of willingness to help with transaction disputes I have lost trust and will reevaluate my decision of whether or not I will continue to do business with them or close my entire financial relationship with them. I feel they do not follow the laws regarding the truth in lending act and intentionally make it difficult to dispute transactions.
Product: Debt collection

I received a call from this company stating that they had been trying to reach me to serve me with documents because I was being sued. They needed an address, time, and date best for me to be a served. I was told that I own Jefferson Capital funds and that they could not tell me about the amount over the phone.
Product: Credit card or prepaid card

Purchased a flight on XXXX XXXX for {$180.00} on XX/XX/22. Promotion for {$250.00} statement credit if applied for XXXX XXXX credit card. 

Applied for the card. The {$250.00} credit was even reconciled against my {$180.00} purchase to show a +~70 remaining credit. 

When my first statement arrives, the credit is nowhere to be found. I called XXXX customer service on XX/XX/22 and was informed I actually applied for a XXXX XXXX, not XXXX XXXX XXXX. ie : only XXXX miles are received after XXXX in purchases vs a {XXXX} credit. 

This is an unfortunate bait-and-switch I would like corrected, please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute # XXXX on X/XX/2017 completed on X/X/2017. Submitted dispute # XXXX on X/XX/2017 completed both on X/X/2017. Equifax took almost 180 days to complete these two investigations, way more than the allotted 30 days. I would like these two disputes deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 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 reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morningI have no idea why they're suddenly there. I check my credit report all the time, and out of nowhere, these errors appeared. I thought maybe it was just a glitch, so I refreshed my browser, but the issues stayed. Im asking for a complete review of my documents so that this never happens again and I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : 1. XX/XX/2017
Product: Credit reporting or other personal consumer reports

Maintaining accurate credit information is essential for financial well-being. It can be frustrating when discrepancies appear on a credit report. Working towards a resolution requires persistence and attention to detail. Accurate records benefit both consumers and lenders. Hopefully, the matter will be resolved quickly and efficiently.
Product: Debt collection

This dept is not mine and its. Makeing my life miserable
Product: Checking or savings account

I was a victim of a fraudulent check scam. Scammers were paying for furniture I was selling and sent me fraud checks that had more money than the item of the furniture. I was selling a bed frame for {$100.00} and the scammers sent me a fraudulent check for {$1100.00}. The scammers had me pay movers the extra amount of money through XXXX This extra amount was {$970.00}. Since the checks are fraudulent, I was in fact just paying the money straight to the scammers since they had me convinced I was paying movers with their money. The scammers took advantage of the chase mobile app for depositing checks and clearly designed checks that would be able to be initially approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES AND ACCOUNTS ARE NOT MINES!!! bro according to united states code 1695 and fair reporting credit act along wit fdcpa rights, any unauthorized and fraudulent activity must be removed and gone from reporting to my consumer report! Like I Have attached documentation of the letter that was sent to the furnisher on XX/XX/2021. They are still contacting me and this has shown up on my transunion, XXXX, and XXXX  credit report! I, XXXX XXXX XXXX IS SENDING THIS MESSAGE, IM NOT HAVING A COMPANY SEND THIS ON MY BEHALF!
Product: Debt collection

They left a message on my voice-mail on a phone shared by family. Embarrassed me as my sister and law checked the messages and heard they were collecting on a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer are being violated by the cooperation CNAC-M105. When entering this consumer credit transaction, I found many issues with this companys policies and procedures. Ive filed many complaints, but this company is not complying with what I am requesting. As a consumer I have the right to opt out of my personal information to be shared with any third parties, those third parties will include XXXX, XXXX, and XXXX. Per the Gramm-Leach-Bliley act it should have been made CLEAR AND CONSPICUOUS that I had the option to opt out of sharing my personal information. Yes, in the credit application it states that my information will be shared, but where was it made clear that I had the option to opt out of this? As a consumer I have a right to privacy. Also, I understand that it is CNAC-M105s responsibility to send out a yearly updated privacy notice, please confirm those have been sent over to me. This company claims that since the credit application stated that they report to the credit reporting agencies, that should suffice as a disclosure, but that is not enough, that is not federal following federal law. 

This corporation has also explained that this is a charged off account. I recently sat down with my tax accountant, and he explained that since I did not report this debt as income, I now have a chance of being audited by the IRS. I havent been able to sleep, and I am very anxious about being audited and being levied tax penalties due to CNAC-M105s unconscionable conduct by not sending the required 1099C form and attempting to collect a debt that has been cancelled. You are violating federal law ; I demand that this account is deleted from all consumer reports immediately. This will be my final attempt to resolve this matter before I must escalate this claim to higher government authorities.
Product: Credit reporting or other personal consumer reports

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/2024, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX, OH XXXX OAK XXXX XXXX XXXX XXXX XXXX OH XXXX Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late, for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX. Account : XXXX. Please investigate and provide Proof with statements showing that these payment were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an incorrect address on my credit report. I have no association with XXXX XXXX XXXX XXXX, XXXX, IL XXXX. On XX/XX/2019 I reach out to Equifax by Certified mail requesting for this address to be deleted from my file. As of today this is still showing on my credit report. Per the FCRA unverified information is not allowed to be reported on my credit report.
Product: Debt collection

The JPMCB Card account # XXXX that was opened XX/XX/2018 was removed from my credit report across all three bureaus respectively XXXX, XXXX, and XXXX. However, it returned back onto my XXXX and XXXX reports even after I reported it as Identity theft and won disputes across all 3 bureaus. I have an FTC report submitted with Case # XXXX. This account doesn't belong to me and I have no knowledge of this account # XXXX that is being reflected on my report. Now, I am in the process of going for an apartment and due to this it is negatively affecting my credit to where I can not go for an apartment as it kilt my credit. I need this inaccurate, unverifiable information and account that doesn't belong to me off my report for good and for Chase and the bureaus to stop trying to sabotage me.
Product: Debt collection

Credit Management LP, account number XXXX is wrongfully appearing on my XXXX, XXXX  and XXXX  credit bureaus.It is a fraudulent collection because the services contracted by the original creditor, XXXX  were not provided.WI-FI required for phones and computers would not function.When I called XXXX  they would tell me to turn the equipment on and off which was done up to 4 times a day.When I called more times XXXX  said they would send a service technician out to repair or replace equipment, however they never came so I changed to another service that worked. 
This item should be deleted from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have asked and wrote a letter to XXXX and Equifax on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 to investigate the medical accounts being reported and have asked for the proof showing that XXXX XXXX XXXX has my consent to report my medical information in accordance with HIPPA laws, and nothing was shown to me to date. I have asked for more information because this account was reported without a proper investigation and was reported without complete information. Also, this account has been damaging my credit report for so long and I needed help from your agency to sort this out. 

I am looking forward that your agency would help me and get XXXX  and Equifax more involved in investigating this account. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX XXXX Balance XXXX {$880.00}, XXXX XXXX XXXXXXXX Balance : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED XXXX NOT TO SEND ME A PRE-MADE LETTER STATING THEY VERIFIED THIS BANKRUPTCY WHEN THEY DID NOT SO NOW I AM EXERCISING MY RIGHTS REQUESTING A METHOD OF VERIFICATION/VALIDATION TO THIS INVESTIGATION. I RECENTLY SENT THIS CERTIFIED ONLY TO GET THE SAME PRE-MADE RESPONSE. PLEASE READ THIS REQUEST INTEL AND SEND ALL OF THE INFORMATION THAT I AM REQUESTING FOR THIS METHOD OF VERIFICATION BELOW : RE : METHOD OF VERIFICATION XXXX  : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s )  arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.