23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One keeps reporting my debt of {$1100.00} as derogatory as of XX/XX/2021, and they have no proof that I owe that amount. All of the charge offs on XXXX on my credit report are false with the other two bureaus being blank with no info leading me to think that there is wrongdoing and after being asked to remove the account from my account for false verification they agreed to on several occasions but has not in almost two years now every month I call them they said yes we will and after the 30 days they say that they don't recall talking to me at all.
Product: Checking or savings account

My checking account had {$24.00} in it on the ending balance for the day. The next day I was charged {$70.00} in overdraft fees. I have a screenshot showing this. When I contacted the bank, they stated I had a negative balance so they would not be reversing my overdraft fees. I want my money back, and I do NOT want the bank contacting me. I only want the resolution in writing, so I can decide what my next steps are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXhree negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated me as a consumer under the Fair Credit Reporting Act 15 USC 1681a ( 3 ) by ASSUMING A VITAL ROLE by reporting and evaluating my consumer credit and information without my consent. while doing this Equifax has violated my rights under 15 USC 1681a ( 4 ) by failing to exercise their GRAVE RESPONSIBILITY with fairness, impartiality and a respect for my right to privacy. 

Equifax has been unfair in the information they are reporting on my consumer file # XXXX due to the fact that the information was reported without being VERIFIED as accurate by I, the consumer. Equifax has also failed to be impartial due to the fact that employees, supervisors and agents claim to only CORRECT OR UPDATE inaccurate and unverifiable information ONLY if the " BANKING INSTITUTION '' informs them to. This is partial behavior which harms me the consumer because my side of the story is being ignored and disregarded as if I am not the actual party who suffers from what is being reported, shared, sold and distributed about me. 

I have informed Equifax on multiple occasions in the last twelve ( 12 ) months about the fact that the information was inaccurate, unverifiable and a violation of my right to privacy only to receive frivolous and automated responses from their e-oscar system claiming that the information was VERIFIED which was in fact not. After several attempts to resolve these matters I began to ask what was the METHOD OF VERIFICATION in which I have never received a response with the information providing me the opportunity to contact the party who they claim to be verifying the information. Equifax is now Violating my right to a Reasonable Procedure 15 USC 1681b. They have not been equitable to me, they have failed to provide Accuracy, breached my confidentiality and have misused my personal information for their ill gotten gains and profits. 

Today XX/XX/2022 I was on the phone on XXXX separate occasions for over six ( 6 ) hours in total attempting to resolve this matter amicably only to get disrespected, disregarded and discriminated against by employees at Equifax. I was being transferred around carelessly and each phone call ended with the employee hanging the phone up on me because I was simply exercising my rights. 

Equifax has been behaving in a lawless conduct that has injured me and caused me pain, mental anguish and suffering. I am heartbroken at the fact that this company has been so careless and reckless to the point where I have lost faith in the banking system and am considering filing for litigation and seeking monetary relief. 

Below are the past XXXX ( XXXX ) letters sent to Equifax via XXXX mail with green return slip and Notarized by a NOTARY please review the attached documents as this is EVIDENCE OF MY CLAIM. 

XXXX. Sent XX/XX/2022 : NOTICE OF INACCURATE INFORMATION USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX. Sent XX/XX/2022 : NOTICE OF METHOD OF VERIFICATION USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 : NOTICE OF REFUSAL TO REINVESTIGATE USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

late payment IN XX/XX/2022 that XXXX XXXX XXXX account # XXXX This is my second time reaching out about this incorrect late payment that is clearly unfair!!!!! This late payment dropped my credit score XXXX points, now my home loan is on a hold due to this false inaccurate reporting. I have always made onetime payments. I have never been late! This is completely unfair. I never imagined this can happen to anyone. This is not just inexcusable but totally unjustifiable. I demand it be updated to PAYED AS AGREED AND NEVER LATE! 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Experian Information Solutions Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights
Product: Debt collection

XXXX XXXX, XXXX from XXXX PA sent me a letter and called my house several times, claiming I have an account which is overdue. I ignored the phone calls. When I received a letter today, I checked my credit report and I called the bank associated with the dept and made sure I am not responsible for this account. I believe this is a scam. This company wants me to call them so they can get my information.
Product: Credit reporting or other personal consumer reports

Several, if not all of my accounts have been included in a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don`t belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
Product: Credit card

I have filed a dispute with my XXXX " Navy Fed Credit Union '' against the Merchant " XXXX '', for not crediting my account for items received but contrary to the orders description. However, the merchant seems to be partially accommodating my request, but demanded that the return of the items involved only can be done after the closing of my dispute filed with XXXX " Navy FCU '' which determined unfavorably, albeit my repeated explanation of what took place with all legible documentation. 
Moreover, following many hours of conversation with the Merchant and Navy FCU I found out that a credit of {$23.00} was issued on XX/XX/2024, but has yet, to be available. Today is the XXXX of XXXX, and this transaction should be completed within 45 days, since then. Please see the attached copy. 

In addition, I can't return the item ( s ) involved as the merchant insists it can only done following the closing of my dispute. Navy FCU already notified me that my dispute has been closed. The Merchant " XXXX '' insists that more time is needed. This matter has been boililn since last XXXX. I have no clue when this matter would be concluded.
Product: Debt collection

Synchrony Bank, XXXX Credit Card continues to call me 4-6 times per day. I'm a stage XXXX XXXX patient, have told them this, and have paid over 1/2 of the monthly payment due in the past 2 weeks. I told them I would pay the same on the XX/XX/XXXX when I get SSI monthly payment, and they said they'd note it on my file. They still call every day, to the point of causing me stress. 

I've attached the log of their calls, taken directly from my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to Equifax 6 disputes on XX/XX/XXXX ( this is the second time ). I paid all of my 5 credit card balances to {$0.00} on XX/XX/XXXX and currently have less than 30 % of credit debt ration. My credit limits in total are {$5100.00}. I have total balances of only on 2 of my 5 credit cards of {$510.00}. Equifax not only has not shown the current balances, they have reapplied past balances from before XX/XX/XXXX as of today XX/XX/XXXX. I've contacted all the credit card companies, they are showing my correct low balances. XXXX  shows my score at XXXX. XXXX  shows XXXX. Equifax is showing 65 % usage with a XXXX score today. Yesterday it showed XXXX for about 2 weeks still awaiting 1 of my cards to show the XXXX  balance it has currently. I would've gone up from XXXX. I called Equifax. They say their system was down today so they can not check yet my score dropped 39 points. We are trying to shop for a first home purchase and this is not helping. Please help.
Product: Debt collection

This XXXX XXXX they have listed incorrect on my credit and I have been working my hardest to Fix my credit and the reason I am sending It's because the amount is incorrect and the dates are way off They have my account listed as two years old And the account is From XXXX and I need this resolved I'll deal with XXXX and if you want look at my payment history it is XXXX percent and I paid and closed account in XXXX but a new credit delinquent debt showed up XXXX as of it was new and this is ridiculous I've asked over and over for proof of this account and the address and dates nothing yet
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Transunion, XXXX, XXXX The following inquiries were not authorized by me please delete them I have never 1. XXXX XXXX XXXXXXXX # XXXX 2.XXXX XXXX -Account # XXXX 3.XXXX XXXX XXXX Account # XXXX 4.XXXX XXXXAccount # XXXX 5.XXXX Account # XXXX 6.XXXX XXXX 7XXXX-Account # XXXX 8.XXXX XXXX-Account # XXXX 9.XXXX XXXX-Account # XXXX 10.XXXX XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit.

Thank you for your cooperation
Product: Checking or savings account

Today ( XX/XX/XXXX  ) I had made a few purchases during my lunch time at work. Later that afternoon when I went to XXXX XXXX and tried to make a purchase, my card declined despite having money in my account. Then I went into my online banking account and was unable to look at my account balances. Afterwards, I called the number that was given to me by the Bank of America. I was told that the bank decided to close my accounts. I had asked why and I was told it was a " business decision '' There was no wrongdoing on my part. I've been with Bank of America for several years.
Product: Credit reporting or other personal consumer reports

By the law of FCRA 15 U.S.C & XXXX XXXX, XXXX and Transunion are reporting inquiries that is not accurate and the following inquiries that should not be allowed are : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX and the credit bureaus requesting them to remove two vehicle loans that are now closed but reflecting late payments ; however, my divorce decree property settlement states my ex-wife is responsible for these account balance since 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never given TRANSUNION written permission to furnish a consumer report on my behalf. Them doing so is identify theft and a violation of 15 USC 1681b ( a ) ( 2 ).
Product: Mortgage

While trying to make a mortgage payment on XX/XX/year>, I could not use the online website because I am on a payment plan due to earlier financial difficulties, and the website does not support payment plan payments. I then tried to make a payment via telephone at XXXX eastern standard time. After accessing my account I was given only one payment option through the automated system. That option was for {$20000.00}. My mortgage payment is {$3800.00}, but I was not allowed to enter that amount. 

I then prompted the system to transfer me to a live agent. Although my call was made at XXXX, I was notified that there were no agents available. I was subsequently told on XX/XX/year>, while complaining to a supervisor via phone, that operators are available until XXXX. None made themselves available to me during my call. 

Phone payments are accepted until XXXX eastern time according to Shellpoint. So I called back at XXXX eastern time to make the payment. Again I was given the single, arbitrary payment option of {$20000.00}, and no help from a live agent. This has resulted in not only a potential 30 day late notation on my credit report, but also having my payment plan terminated. 

Although this is clearly the fault of Shellpoint 's automated phone payment system and the negligence of their agents, I was told by their supervisor that they couldn't accept a late payment and there was nothing they could do to help me.
Product: Debt collection

I was on a phone call ( recorded line ) with an agent and I was making all of my payments on time and with under 30 % credit utilization. My credit score kept dropping with XXXX, no matter how small my credit usage was. I didnt know why until I gave them a phone call and they stated that the reason why my score keeps dropping is because there is a collections on my account. I have never been in any contract with that debt collections company and I have demanded that it shall be taken off as there is no documentation of my contract with that debt collections company. 

Also, I would like to report XXXX for violating the Fair Credit Reporting Act as they are using my old information to calculate my current credit scores. This is a violation under the FCRA and I encourage this to be investigated further as this reporting agency has been doing this to me for 3 months no matter how many payments I made on time while using a small percent of credit usage.
Product: Debt collection

I have reached out to this company on several attempts regarding a medical debt they are placing for collections on my credit report. This company has not responded but continues to report the debt on my credit report.
Product: Credit card or prepaid card

On  XXXX   XXXX ,   XXXX   I became a victim of identity theft when NetSpend Corporation sent my new prepaid card to an address in  XXXX , Florida although I reside in  XXXX , Georgia. The unauthorized charges totaled {$310.00}. On  XXXX   XXXX ,   XXXX   I used my NetSpend card to purchase a computer and software from  XXXX   XXXX   XXXX  in the amounts of {$2800.00}, {$190.00} and {$160.00}. On  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX  refunded me amounts of {$2800.00}, {$160.00} and {$9.00} ; the refund was charged back to my NetSpend card I used to purchase the computer and software. Note : All charges to my NetSpend card/account are text directly to my cell phone. On  XXXX   XXXX ,   XXXX   I received a text from NetSpend indicating that my account was closed with a balance of {$3400.00}. The {$3400.00} balanced included my refund from  XXXX   XXXX   XXXX . As of today,  XXXX   XXXX ,   XXXX   I have not received correspondence from NetSpend regarding what happened to my funds ( {$3400.00}  ) ;  if correspondence was sent then hopefully it was not emailed to the identity thief. I have check all of my credit reports and only NetSpend account was compromise. I also filed a complaint with the Federal Trade Commission. I will appreciate it if the CFPB can assist me in my attempt to recover my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed US Dept Of ED {$1300.00}. Upon applying for a home loan I was advised to take care of this debt. I called them XX/XX/XXXX and was told they couldn't accept full payment due to an error within their system. They offered to settle for {$1100.00} and i agreed and paid over the phone. I received email confirmations of account status and confirmation of payment. 
As of XX/XX/XXXX they are reporting a balance of {$200.00} on the account. I called and confirmed my payment status but was told there was an error with their system and no other explanation why a balance is reporting.
Product: Debt collection

Received notice from collection agency dated XX/XX/21 stating I owed {$1000.00} on XXXX account I had never heard of. I was able to get some details on this debt such as 2 addresses and phone # used on this account. None of this information pertains to me. XX/XX/XXXX notice was first communication I knew of this. I have police fraud report, my personal ID information and details I obtained regarding this debt. I have never used XXXX for any service. I been unable to secure copy of original charge document.