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

Capital One is very unjust and unfair in their decision making with helping consumers. Ive recently inquired multiple times to have a goodwill removal of late payments from my account which were denied. I know several people who have inquired about more and newer late payments being removed and their request was approved. I dont know how Capital One decides who to help and who not to help but its very unfortunate and unethical that this company is not fair in decision making with all of their consumers. When I asked the representative the reasons why my request were denied she could not supply any reasons besides saying there are policies. When I asked her to supply or read those policies she could not. I asked her to get me to someone or a department who could state the policy for me and she could not do that either. Capital One will tell the consumer a fake statement of we have to report accurate information to the credit bureau when that is completely false. Close friends who have had worse accounts then mine have been helped by Capital One for late payment removals. There is a XXXX page on Capital Ones unfair treatment to consumers across the board. Capital One does not lose anything financially or business wise by removing late payments from an account. My credit cards are paid off and closed. I understand they were my fault but I was going thru a very high risk XXXX where I couldve possibly XXXX XXXX XXXX and fell behind on payments and now I cant even obtain a mortgage loan to better my stability for my family. Capital One should at least train their staff their policies and factual reason for denials. I wish I had never done business with Capital One.
Product: Consumer Loan

After searching online for a used hybrid vehicle, I found one that suited my needs and went to the auto dealer to test drive the vehicle. I expected to proceed with the process of purchasing that day with a down payment. I knew my credit score beforehand, which was rated excellent by XXXX of XXXX credit bureaus ( XXXX, XXXX ). However, upon running the credit check with the finance company, they initially declined me credit, being unable to produce a score. The reason the dealership surmised was because credit finance companies only look back at the last 7 years on a buyer 's credit report. My credit history is at least 16 years, with my last paid loan being a student loan from a year ago. The finance company wanted more down payment from me, which I increased by 33 %. They finally offered a loan, but at an interest rate of 10.1 % at 72 months. I was expecting a rate of about 4 % at 60 months. Given that my own bank had earlier declined me an auto loan as well, and given the reasons I discovered at the dealership, I took the loan, being told to refinance it after 6 months of on-time payments. What 's more, the sales representative who sold me the car said to open a few credit cards, even secured ones at first, to re-establish open credit, for which I currently have none. He said it should help in having the credit companies see how responsible I can be with credit, gauging it by my debt-to-credit ratio.
Product: Credit reporting or other personal consumer reports

Foursight capital is saying I owe them but I dont back in 2021 my account was on XXXX and now after XXXX  years they are saying I owe them XXXX. They did damage to my credit they did remark code removed from XXXX sight capital then the account increased and they bearly are saying they updated the payments and some are unknown. I dont owe them anything. This is under law 15 U.S.C 1681 and its not correct.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 instructions
Product: Credit reporting or other personal consumer reports

Delinquency report dates vary when I call and across Bureaus thus there are errors. Accounts have reached 7 year statue of limitations of Florida and are in violation of it by not being removed. Additionally accounts are paid off and closed. Please help, I have been dealing with this for a long time without any success. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX This letter is formal notice that you have failed to respond to my dispute letter of XXXX. I sent this letter certified mail and have enclosed a copy of the return receipt which says you received it. Federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC.

I have been maintaining detailed records of all my correspondence with you. You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. 

For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 

The following information therefore needs to be DELETED from the report as soon as possible : XXXX XXXX XXXX XXXX Account # XXXX Please delete this erroneous item from my credit report as soon as possible. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Con furniture store did a hard credit check when I was told they were doing a soft one.It even states on their web site they do soft ones only
Product: Debt collection

Recently, I received notice from the CRAs stating that this company has placed an alleged debt on my credit report, which I NEVER received notice about the debt or allowing me to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXBalance {$0.00} XXXXBalance {$0.00} XXXX XXXX-Balance {$10000.00}
Product: Credit reporting or other personal consumer reports

I'm became victim of identity theft due to a data breach with XXXX XXXX  XXXX, whoever stole my identity opened a fraudulent loan with XXXX XXXX XXXX  and also attempted to get other loans. Here are some of the fraudulent inquiries that is on my credit report with the date reported. 

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

I recieved a letter from us department of the treasury, stating that XXXX was taken out of my social security payment to pay a XXXX and XXXX XXXX XXXX debt from XXXX 
This is being collected by a company called Transworld Systems XXXX XXXX XXXX, XXXX, DE XXXX, U.S.A. 
This was a complete surprise, There were no notifications of judgements or any other notifications. Additionally, this collection is far past the statute of limitations, and XXXX was part of a bankruptcy discharge in XXXXXXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Accounts : XXXX XXXX, XXXX XXXX.
Product: Debt collection

XXXX XXXX say my fiance owes a payday loan for 2017. And if he doesn't pay by credit card over the phone they are going to put a stop registration on our vehicle with the county we live in. They keep changing the amount owed and they had our licenses plate on file. They keep calling me and not him.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I purchase a pre-own vehicle and was financed through XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I just received a copy of my credit reports and I have 6 additional hard inquires from : ( XXXXXXXX XXXX XXXX 2.TD AUTO FINXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). On the same date, and I never authorize any of these company to pull my credit.
Product: Debt collection

THIS DISPUTE WAS PAID TO THE ORIGNAL ACCOUNT HOLDERGE CAPITAL RETAIL BANK {$350.00}. THE ISSUE WITH THIS IS NEITHER PORTFOLIO RECOVERY NOR GE CAPITAL WILL RESPOND. I EVEN SENT AND FAXED A COPY FROM MY BANKTHAT IT CLEARED TO XXXX THIS ACCOUNT IS PAIDED IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time I reached out to XXXX  about unauthorized inquiries on my report and they have refused to do so. There are 23 account and promotional inquiries that are on my report. If they can not provide me with the original application along with my original written ink signature. Immediately remove them from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these student loans with the credit bureaus and Nelnet. These student loans have late payments attached to them that are inaccurate. The student loans have been being marked as late during the pandemic when there has been no payments due during the pandemic. I have been disputing this with the bureaus and nelnet for three months and it has been coming back verified with no explanation. Nelnet knows that there has been no payments due during the pandemic they refuse to resolve the issue and this is causing detriment to my financial state. 
These accounts are also reporting inaccurately and differently across all three bureaus.
Product: Credit reporting or other personal consumer reports

Complaint against LVNV Funding LLC and Experian Inaccurate Collection Account on Credit Report I am filing this complaint regarding an inaccurate collection account reported by LVNV Funding LLC on my XXXX credit report ( Account Number : XXXX ). 



1. **Failure to Investigate ( FCRA Section 1681s-2 ( b ) ) : ** LVNV Funding LLC failed to conduct a reasonable investigation after the account was disputed as inaccurate and removed from my credit report years ago. Despite providing evidence, the account remains on the credit report as a collection.

2. **False Representation ( FDCPA Section 1692e ) : ** LVNV continues to report this debt as belonging to me, which is false and misleading. As they are debt buyers and have purchased the debt to which I have proven i am not party to.

3. **Unfair Practices ( FDCPA Section 1692f ) : ** Reporting incorrect information to damage my creditworthiness constitutes unfair and unconscionable practices and I have suffered damages because of the violations. I demand restitution.

4. **Dispute Handling ( FCRA Section 1681i ) : ** Experian has not properly handled the dispute by failing to remove the inaccurate information after already removing it before as it was identified as identity theft.

5. **Inaccurate Reporting ( FCRA Section 1681s-2 ( a ) ) : ** LVNV is furnishing information they know, or should know, is inaccurate or incomplete.

6. **Harassment ( FDCPA Section 1692d ) : ** The continued false reporting contributes to harassment and abuse. My consumer rights are being violated with the defamation taking place.

7. **Improper Access ( FCRA Section 1681b ) : ** LVNV lacks a permissible purpose for accessing my credit report as a third party interloper.

Immediate removal of the inaccurate collection account from my credit report and confirmation of this action. 


Thank you
Product: Checking or savings account

I opened checking and savings accounts with Citizens Bank on XX/XX/year>, as part of a promotion that offered a {$600.00} bonus ( {$300.00} for each account ) if I met certain terms ( outlined in the attached promotion ). I have fulfilled all the requirements for both accounts, but I have only received the {$300.00} for the checking account. The additional {$300.00} for the savings account remains unpaid, despite my meeting the promotion terms, which require at least one single deposit of {$500.00} or multiple deposits totaling {$500.00} into the new savings account every month for three consecutive months. As evidenced by the attached bank statement, I have met this requirement. However, despite multiple attempts to resolve the issue, Citizens customer representatives have refused to honor the opening bonus for my savings account.
Product: Debt collection

Never received any information in regard of debt by mail and or postal they been calling me non stop please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

chase-credit limit not  XXXX  accounts with a balance   XXXX   still showing on report-  XXXX     XXXX   XXXX   card.   Age of credit history not current.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO : CARECREDIT ACCOUNT : XXXX  I am writing to request that the interest charges on my credit card account be waived. I have been a loyal customer of your company for many years, and I have always made my payments on time. However, due to unforeseen circumstances, I was unable to make my full payment last month. 

XX/XX/XXXX INTEREST CHARGE ON PURHCASES {$2600.00} I understand that interest charges are a normal part of having a credit card, but I am hoping that you will make an exception in my case. I am committed to making all my future payments on time, and I am confident that I will be able to pay off my balance in full within the next few months. 

This charge was for nearly over half my original balance. 

I appreciate your consideration of my request. 

XXXX XXXX XXXX : XXXX STATEMENT SHOWING INTEREST CHARGES
Product: Credit card or prepaid card

I have been discriminated against under Truth In Lending i have extended my credit to Bank Of America as the original creditor and consumer and hopes to receive a credit limit increase to 15,000 and was given a Adverse Action letter in response denying me credit. This is in fact a federal violation under 15 U.S. Code 1681m - Requirements on users of consumer reports adverse action -- because their is no denial of credit because i AM the original creditor i can not be denied what i extend to be extended back to me. They are in violation under 15 USC 1681n and 15 USC 1681o liable for {$1000.00} in damages no higher per violation. Im willing to settle for the credit limit i originaly extended for. Thank you.
Product: Student loan

I currently have federal student loans from XXXX XXXX serviced by XXXX. I'm doing PSLF and have my loans in IBR. Each year I submit income verification form and did so this year. Prior years my payments were lower due to lower income, and this year my payment increased to the 10yr repayment as income was high. I received a letter dated XX/XX/2018 from XXXX. 

" -- We received your documentation for your annual recertification but determined that you do not have a partial financial hardship ; therefore, your new payment amount is not based on your income and family size. Your loans will remain on the Income-Based Repayment ( IBR ) plan but your payment amount changed to XXXX. -- '' And then I discovered that on XX/XX/2018 {$20000.00} of interest was capitalized. This raised my loan balance from $ XXXX to $ XXXX. 

I called XXXX on XX/XX/2018 to find out about why interest was capitalized. I was initially told that it is because I didn't submit my re-certification. I told them that I did ( it even says so in their letter ).  They then told me that there are 2 types of IBR plans, and I was in the one that had financial hardship and now I'm in the one that doesn't. And because of this change they triggered an interest capitalization. 

I went on studentaid.ed.gov and there was no mention of the situation I encountered. There was mention that if you don't re-certify income the interest does get capitalized. But I did re-certify my income. 

Please help me remove this interest capitalization. 
I do not see this as appropriate. It was either a mistake, or a deceptive practice. I'm in IBR plan, my income has increased so I'm paying more while under the IBR plan and they capitalize my interest. This makes my total repayment even higher. 

I would greatly appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a credit report from transunion. There is an unauthorized/fraudulent inquiry from XXXX  dated XX/XX/2023. I need it removed per the fcra guidelines.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on XX/XX/year> from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Exeter Finance LLCXXXX