23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Capital One has been offering an online bank account which included an account opening bonus of {$500.00} plus an interest rate of 1.5 %. I attempted to open this account and take advantage of the offer. The online system denied me access. I contacted the customer service department multiple time and received no assistance. I spoke with a representative over the phone and was told that my problem was due to a computer error on their end. I was told that the company would get back to me once the problem was cleared up, but I received no call back. I wrote a letter to XXXX XXXX, the CEO of Capital One, on XX/XX/XXXX to further request help. I still received no response from him or any other representative of the bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$580.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX Account XXXX : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$500.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$850.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$440.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Debt collection

debt incurred with this vehicle is not mine, as per law, there is no money, as per documentation, and my complaint to the IRS stating such. debt collector is a third party carpetbagger, intervening in my private personal, affairs, as per the constitution, " all things move in contract '', i have no contract with CCB Credit Services, and they are trying to extortion funds from me, why these XXXX are allowed to exist, in our society is incredulous. The FCR Act, states in no uncertain terms, that I am supposed to be notified, BEFORE any negative information, is placed in my credit file, that way i could dispute, this in advance, and not interfere with my constitutional, " right to contract '' neither XXXX, nor CCB credit services, has done that, violating multiple Federal laws, in there pursuit of fraudulent, unjust enrichment, and trying to keep hard working American citizens, in FINANCIAL SLAVERY, U.S. v. Kozminski, 487 U.S. 931 ( 1988 ). Respondment believes they should be heavily fined, for there participation, in a RICO based, fraudulent scheme to XXXX Americans out of there assetts.
Product: Debt collection

I requested a signed contract between me and your company. One that I signed and one you signed in early XXXX. It is now XXXX XXXX and your company chose to ignore my consumer rights as well as violate the FDCPA and FCRA. In XXXX I SPECIFICALLY stated that copies of a copy is not legit validation. I stated that I would have liked to seen the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated HOWEVER you neglected to provide it. This is my final notice before litigation. If you ignore my last and FINAL request I will take it as a waiver of all claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB # XXXX Dated : XX/XX/2018 Report # XXXX Dated : XX/XX/18 You stated that you obtained my information from XXXX. Which I find it extremely difficult if not impossible. Because I have a security freeze on my XXXX account dated XX/XX/2018. But assuming you managed to get my credit report from XXXX which is a direct violation of the FCRA then, XXXX does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I switched carriers and even returned the devices XXXX was supposed to send me a credit card to settle wth XXXX but I received nothing ..I called them several times and every time they would say it was on the way it was stressful to keep calling and hearing the same excuses I just gave up..i don't owe them a penny in fact they owe me because now XXXX has sent tht payment into collections too..I 'm so stressed out and frustrated I cant get a solution to either problem its messing up my credit score and my XXXX XXXX too..I 'm unemployed and this is the last issue I need in my life..these carries make promises and make it sound so easy but it is not..I 'm very disappointed in them..please please help me sort this problem
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX
Product: Vehicle loan or lease

In XXXX of 2023 I sent the updated orders showing the military order extensions to American Credit Acceptance. With these orders it showed that the loan was still covered under SCRA. We also sent in a good faith payment to the company of just under {$900.00}. On XX/XX/2023 a towing company showed up to our home showing that they had received an order from the company to repossess the vehicle. At this time the towing company took the vehicle from our property. We have received no court documents or summons to court on this matter. We have received no notification via mail or email telling us of this after the date of our good faith payment. I had to have major XXXX  XXXX on XX/XX/2023, which had me off work for quite a while and I am still only back to work part time. This has caused us financial hardship due to the lack of a XXXX income family. I feel that they have violated our right to be able to fight this issue in court or even explain why the payments had not been made by the company not notifying us of any hearings or obtaining a court order. The vehicle they repossessed is the military members primary vehicle getting him back and forth to the base.
Product: Debt collection

A certified letter was mailed to LVNV Funding, LLC on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by LVNV Funding, LLC on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.
Product: Debt collection

I had auto pay with XXXX XXXX XXXX XXXX in XXXX, CA for wifi service only for years. XXXX XXXX got sold to XXXX when my service is established and continues with XXXX without any complication to this date. 

I learned accidentally thru a credit report that I have collection posted to credit bureau last year. I found out from XXXX that Waypoint Resource group posted for XXXX XXXX - XXXX XXXX XXXX in XXXX, California. 

I contacted both Waypoint and XXXX/XXXX  and disputed the charge of {$170.00} and asked explanation how come I was not notified by either XXXX or Waypoint of such action- and do I not have the right to know what is going on on my back plus how come I have two other existing accounts for 2 of my homes with the same company if I am considered delinquent and reported to the credit bureau XXXX they were not able to explain why. 

At the end, the account was posted fully paid with XXXX balance but since Waypoint has not sent any deletion letter, the credit report still shows the collection posted on my credit report with negative impact. 

I repeatedly asked WayPoint Resource to remove /delete with letter of deletion- they declined ; contacted XXXX XXXX as well- both giving me run around for {$170.00} which is mostly their failure to collect old router when they set up new router with new company name plus all my accounts were auto pay. 

Please help remove the stigma that continues to harass me to this date. 

Please advise
Product: Debt collection

I recieved credit alert from transunion and XXXX yesterday. When i checked my credit history i find a collection account reported from XXXX different address with XXXX different name for the same amount of money ( {$110.00} ). I have never recieved any communication or letter from all the collection agency reporting about the alleged debt i owe. The report is placed on all the XXXX credit bureau at this time. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The name of the company reporting the same negative information are creditor service of Morgan, Wakefield and associates from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I initiated contact with XXXX in early XXXX, leaving a voicemail message and sending a follow-up email. He mailed me a statement to my residence. I am formally requesting the final payment date as recorded by XXXX XXXX. I have concerns that XXXX XXXX may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) by altering payment dates. I have not received any communication from XXXX XXXX regarding this matter. I request that this account be removed from all of my credit reports. XXXX and XXXX XXXX ghosted me.
Product: Credit reporting or other personal consumer reports

Remove these accounts from Equifax report because i have never open tiene account and they are not mine. 

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

I am writing this letter out of pure frustration and anger. For the last two years I have been disputing incorrect late payments on my credit report from all 3 credit agencies. They have continuously ignored the errors of late payment history to only update the accounts as paid and closed. Their own credit report shows the inaccuracies in payment history and supplier remarks. These accounts have been paid and closed since XXXX of XXXX. Most of them are more than 6 years old. The incorrect late payments have re-aged this account and caused severe damage to my credit file and score for over 4 years. 

Here are just some of the errors being reported by all three bureaus : XXXX. Incorrect start date. XXXX. Incorrect last verified date. XXXX. Incorrect last payment date. XXXX. Incorrect closed date. XXXX. Incorrect account status. XXXX. Account number is not visible and complete. XXXX. The creditor name is abbreviated. XXXX. The supplier/creditor information is incorrect. XXXX. Late payment history is physically impossible. XXXX. Remarks shown of late payment information is impossible. These accounts need to be deleted from my credit file at once. 

I have attached copies of the most recent disputes I have sent to each agency, I have also attached their responses or lack thereof. XXXX has continued to update comments with paid and closed while ignoring the late payment history errors. XXXX has completely ignored my dispute and has never responded to any dispute. Equifax has deleted all but one of the incorrect late payments and ironically left one showing 120 days late, with the month prior as showing current. I have attached screenshots of how they continue to report these accounts inconsistently and inaccurately. 

I would appreciate that this bureau actually enforces the FCRA in concern of this matter. The only resolution is deletion. I have spoken with the supplier on XX/XX/XXXX and they have assured me there are no late payments they are reporting to any reporting agency. Unfortunately since that phone conversation they are no longer servicing these accounts and havent since XX/XX/XXXX. Any response given by the agencies stating these accounts were verified in XX/XX/XXXX is a flat out lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a letter that was sent to an attorney describing what happened : Hello, I found out today when I went to open a new checking account with XXXX XXXX bank and was denied, that XXXX XXXX XXXXXXXX has filed a claim of suspected fraud against me with ChexSystems and possibly XXXX XXXX XXXX. I have filed a dispute with ChexSystems and called XXXX XXXX XXXX  to see if there is a claim against me with them, but It will take 5 days to hear back from them. 
Last month, I opened a new checking and savings account with XXXX XXXX XXXXXXXX. They made 2 small deposits into my XXXX XXXX XXXX checking account to verify. The deposits were then removed. After this, I did an ACH transfer for {$4000.00} from my XXXX account to my XXXX account. While this transfer should have taken up to 3 business days to complete, it ended up taking much longer and both XXXXXXXX XXXX and I were becoming concerned. I was in constant contact with both banks. After many hours of speaking to reps from XXXX XXXX XXXXXXXX, I was getting nowhere. Finally, I spoke to a XXXX XXXX and ended up in an argument with her over this. They were not helpful whatsoever. 
Ultimately, I spoke to a manager at XXXXXXXX XXXX  who advised that they would be able to have their ACH department go in and retrieve the ACH deposit back from XXXX and not to worry because there is a paper trail for all ACH transfers. Turns out that the day the ACH finally was processed and appeared at XXXX, the manager at XXXX ( unknowingly ) went in and had the funds retrieved. I believe this is where the problem lies, but I am uncertain. I have not had any luck with XXXX XXXX XXXXXXXX. Immediately after this, they closed both of my accounts. They told me they will not reverse the claim, will not provide any further information and to contact ChexSystems, who will negotiate with them. 
To be clear I did not commit fraud, nor did I try to and I need this removed from my record. I can lose my job over this. Its extremely difficult to get anywhere talking to these banks and agencies. I have records of the transfer and deposit. I also have my statement from XXXX showing the withdrawal and then the credit back into the XXXX account from XXXX. 
I was going to go to XXXX XXXX XXXX XXXX XXXX this morning to speak with a branch manager to see if they have any leverage in speaking to XXXX XXXX XXXXXXXX XXXX because trying to call XXXX ( which is now XXXX XXXX XXXX XXXX ) is futile. They arent even accepting calls at this point in time because of the recent acquisition of XXXX Bank XXXX XXXX XXXX XXXX. 
I honestly do not know what else to do. Can you help?
Product: Debt collection

The caller from # XXXX stated he was with the law office handling the debt. The first call on XX/XX/2018 representative stated the debt and provided options of payments. I requested to have something in writing because i have not yet received any the information that he had stated. I looked on my credit report and there was nothing of this company. I checked online with the phone number and it has been reported as a scam and not a safe number. The caller then called back on XX/XX/2018 time of around XXXX using the same number, stated that he will dropping off documents to my employer because i refused to provide my address. He did not ask for my name he simply began speaking. I stated that he did not even ask whom he had been speaking to before stating this information, the caller/rep stated that he is the only person that answers his phone so i should be the only person that answers mine. The representative then stated during the conversation multiple times that i did not have any character, he then began to verbally assault my military character i asked him to please refrain from speaking of such and the caller continued. I asked the caller if the call was recorded and that he should not be saying the things he was saying. The caller then brought up other legal cases from my past and repeatedly stated i have no type of character and continued to talk badly about me as a person. I then stated that i would be seeking legal representation the representative then called me a liar. I then ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.