23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Capital One Auto is withholding my title. I paid all the money due according to the contract. I am disputing the balance because I do not owe it and I was defrauded by one of their dealers. I was contacted several times by Capital One by telephone after a cease and desist and I have a recording of the representative XXXX stating that the legal department stated that she must call me and not to reply in writing. XXXX apologized and stated that my account should have been handle differently but that she recieved an email telling her to treat my account differently. The company is using retalitory and discriminatory practices to halt my dispute within thier.company. I have dsputed my account on several occasions with the credit bureaus and the company has failed to furnish the correct information or even note that I am disputing this account balance which is a violation on the FCRA. The company balance on my account shows that its paid in full and I was defrauded by thier own dealer and now facing retaliation due o my previous CFPB complants and discrimination from this company. The account history shows 66 tmes late but the credit report says something different. Capital One is withholding my title violating the FCRA and defrauding its customers. I am a victim of warranty fraud by their dealer which caused a host of problems with my account resulting in inaccuracies on my credit reports and account history. I have attached documents for your review.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly review the documents? Several listed accounts contain inaccuracies, causing me distress.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my Acct : XXXX reported a late payment. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report are not included on the consumer reports yet this information is being reported to my report.
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item ( DEPTEDNELNET account # XXXX Date Opened : XX/XX/2012 Balance : {$0.00} ) is reporting late, yet it is closed and the balance is XXXX as reported in XXXX Credit Bureaus . The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaints. Lets remove this immediately.
Product: Credit card

There are HARD inquiries showing on my credit report for accounts I did not inquire about or open. I did report the three inquiries to the FTC and have also attached the three specific inquires showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX for {$49000.00} and XXXX Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOBXXXX, SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there is a closed account with missed payments. BANK OF AMERICA. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist ofXX/XX/XXXX ( {$360.00} ) XX/XX/XXXX ( {$150.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting account number and original balance wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are on my personal credit report but do not belong to me and need to be removed immediately from my credit report. 

XXXX XXXX XXXX  XXXX XXXX account # XXXX XXXXl XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
Product: Debt collection

Comenity Bank, XXXX XXXX XXXX Bank is not licensed to conduct business in California and they have no " Local Agent for Service of Process '' as required by law and are Unlawfully attempting to collect a fraudulent debt that has already been resolved by XXXX which provided CFPB with their written response that the money was returned to my account. Comenity failed to conduct due diligence and provided a fraudulent response to my complaint. 

I have no lawful responsibility to transfer any money that was done without my knowledge and consent, forcing me to work for free. This matter needs to be resolved by XXXX and Comenity Bank who get paid to work. Secondly Comentity Bank, etc. has to provide me ( XXXX ) with the name, address and telephone number of their local California XXXX for service of process. I called Comenity Bank and spoke with XXXX employees. ( XXXX, XXXX and XXXX XXXX who told me they would call me back with said information in 3 days but have failed to call provide me with their California local agent for service of process. California State Law requires they have an XXXX For XXXX XXXX XXXX. Records revealed they are in violation of California State Law in this regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX, equifax letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX XXXX, equifax failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, XXXX, equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, XXXX, equifax have on file for the account listed below.. It has been more than 60 days and XXXX XXXXXXXX, equifax have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX XXXX, equifax must remove the accounts and billing errors listed listed below. 
1. The following account is not mine XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report. 

2. The following account I don't recognize and never gave permissible purpose to report on my credit XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing dateXXXX XXXX XXXX  Reference numberXXXX Record typeXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX 3 . The following account I don't recognize and never gave permissible purpose to report on my credit XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing dateXXXX  XXXX, XXXX Reference numberXXXX Record type XXXX XXXXXXXX XXXX-dismissed Court XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX.this following account is reporting inaccurate information I was never late for this account XXXX XXXX Account numberXXXX Original balance {$28000.00} It says I was current on XX/XX/XXXX, then it says I was 90 days late on XX/XX/XXXX that is impossible and obvious inaccurate reporting Please remove it from my credit report. 

5. this following account is reporting inaccurate information I was never late for this account XXXX XXXX Account numberXXXX Original balance {$15000.00} It says I was current on XX/XX/XXXX, then it says I was 90 days late on XX/XX/XXXX that is impossible and obvious inaccurate reporting Please remove it from my credit report. 

6.The following account is not mine XXXX XXXXXXXX XXXX ( Original Creditor Name XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

7. The inquiry was not authorized and I did not give permissible purpose to report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized and I did not give permissible purpose to report XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I am the person making this complaint & I give CFPB authority to investigate this claim. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Debt collection

I have called Franklin services for the collection account on my credit butno one was answering and i have also emailed them. I have filed a dispute through XXXX numberous times for a collection under my account with Franklin services and XXXX with the original creditor. I don't owe anything from XXXX because i have cancelled my account for their service even before i had to start, so i have never received any sort of service from them. When i cancelled i made sure they didnt charge me anything and they had told me yes its cancelled and i dont owe them..so it has come to my surprise that i have {$100.00} for a collection on my account. I will not ruin my credit just for a {$100.00}. I am happy to pay that amount if i had receive any service or account from XXXX pertaining to this amount but again I did not. So please help me delete this collection account on my XXXX  because i was able to dispute this on XXXX. Only XXXX have been giving me a hard time.
Product: Debt collection

2008 debt. amount total according to them in XXXX they have garnished XXXX. I was never served, I have called and asked to provide me information that i had been. the amount of this bill was a little over 1 thousand with interest from 2008 it is now over 4 thousand. The only reason i knew i was being garnished was my employer sent me the information. 

The creditor is XXXX XXXX XXXX XXXX XXXX Audit and Adjustment company XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit card or prepaid card

In XX/XX/2018 I had approximately 20 fraudulent charges made to my credit card for XXXX XXXX. While Citibank coded the majority of the charges as fraud and reversed them, there were several charges that they miscoded as a billing dispute. This gave the fraudsters a loop hole to try to claim I authorized the charges. I did not. I finally contacted the XXXX XXXX XXXX and Federal Trade Commission to file a complaint against Citibank at this time they reversed all charges. 

On XX/XX/2018 I received a letter stating that the charges for two XXXX were reinstated even though I reported it as fraud. The XXXX  company I suspect must work with the people who fraudulently used my credit card because they created documentation. 

I am XXXX years old and I am a victim of fraud. My credit card company made an error with coding it as a billing dispute instead of fraud and now they are trying to make me pay for the fraud. There are two charges for {$100.00}. 

Please advise who else will work with seniors since I am being victimized and they are not abiding by the affidavit that I signed stating it was fraud. They suggested I contact the merchant that I have no idea how to get in touch with a business that I never did business with. 

I will continue to fight the charges.
Product: Debt collection

On XX/XX/XXXX I opened a card with XXXX XXXX On XX/XX/XXXX I canceled XXXX  membership via email On XX/XX/XXXX I was issued a refund for {$45.00} OnXXXX cancelled membership again On XX/XX/XXXX I was informed about a balance due of {$230.00} On XX/XX/XXXX I was informed I owed the amount under a new account number but was never sent a new card. 

On XX/XX/XXXX I was informed I owed {$270.00} and that the account was closed and the online account disabled On XX/XX/XXXX I received a note was evaluated and the account was 3 payments behind. 

On XX/XX/XXXX paid account infill {$510.00} I am still unable to find out what charges were incurred and contacted XXXX and chase but was not provided information.
Product: Credit card or prepaid card

On Thursday XX/XX/XXXX I paid my balance of over {$8500.00} completely off using a balance transfer deal with a credit union-the credit union sent a cashiers check issued by them via mail to usaa credit card payment XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX phone : ( XXXX ) XXXX. It took over a week for them to post the payment, ( on or around XXXX XXXX ) and they're still showing my available balance deducting the {$8500.00} even though they have had the check two weeks! These jerks are playing around with my available credit with them even though this had been paid off!! I called their customer service today and was given some limp excuse as to they hold this for some lame reason!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon XXXX XXXX and Experian Credit reports to verify the information they are reporting. XXXX XXXX previously responded, in writing, that the following accounts are not on my XXXX XXXX Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) XXXX provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second XXXX XXXX continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which XXXX XXXX is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise XXXX XXXX would have reported the amount of the the debt. Both Experian and XXXX have complied with the request to remove the wrongful reporting, but XXXX XXXX does not. This appears to be a pattern for XXXX XXXX as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor XXXX XXXX/XXXX have a legal right to continue misreporting this information. XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX, XXXX XXXX, Experian, XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : *99 % On-Time Payments. *26 year old credit history line. *30 % Credit Used. *No Recent inquries. *Even though I am handicapped due to your scoring for recent accounts, none have ever been late. I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. 
There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.
Product: Debt collection

I received an email from CBE Group dated XX/XX/2022 that states they were trying to collect {$1100.00} for XXXX XXXX XXXX XXXX. 

1 ) I contacted XXXX, and you will see from the attached communication, my XXXX account does not owe anything. Further, I do not have a personal XXXX account. 
It is a business only account. 

2 ) XXXX stated they did not request CBE Group to collect {$1100.00} 3 ) I do not have an XXXX account under my personal name. I have a business account only. 

4 ) This is a fraudulent attempt to collect a debt that is not owed
Product: Credit card

My ex-wife has a Synchrony bank XXXX XXXX XXXX XXXX PA XXXX Care Credit card account number XXXX that she is the User. With a XXXX XXXXXXXX balance. 
Synchrony bank is reporting to XXXX and XXXX that I am an authorized user. 
I called on XXXXXXXX and was told they can not access the account to remove me. My EX-wife called and she was told, that I need to fax a letter with my name, SS and account number to be removed as a user. I faxed the. letter XX/XX/year>. 
No action has been taken to remove me from reporting.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I contacted XXXXXXXX XXXX  regarding account # XXXX ( letter attached ) which had appeared on my Experian credit report. I requested that XXXXXXXX XXXX do a through investigation as to whether the account was fraudulent. XXXX XXXXXXXX XXXX followed up with me and confirmed ( letter attached ) that the account was fraudulent and that I was not responsible for it. I contacted Experian regarding this fact, forwarded them the XXXX letter and requested that they acknowledge and remove the fraudulent account from my report ( letter attached and request for deletion highlighted in yellow ). As of today Experian has not acted to remove this fraudulent account.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX  {$11000.00} Capital One - {$890.00} THANK YOU XXXX XXXX XXXX
Product: Credit card

I assert that adding inaccurate late payment remarks to my accounts violates XXXX XXXX XXXX. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Product: Debt collection

phoenix financial svcs paid debt collector XX/XX/21 XXXX still receiving phone calls spoke with spvr requests stop calling on XX/XX/21 as well received call XX/XX/21 for the same debt.