23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made a report on XX/XX/XXXX stating that capital one was attempting to collect a debt on accounts that I was a victim to fraud. When I spoke to XXXX they stated being that it was in XXXX there is nothing they can do. I made a report ( complaint id : XXXX ) the report was responded to and closed on XX/XX/XXXX stating that capital one needs more time and they are forwarding my fraudulent application claims to their Fraud Department XXXX Also, to give them 90 days from XX/XX/XXXX for the investigation process to be finalized. It is now XX/XX/XXXX, well over 90 days and I have not had any correspondence. All in all, capital one has ignored my request to provided me with the documents that they have in their files that they used to verify the disputed account which means that they have NOT verified or they can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

i have not supply proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$3700.00}, XXXX XXXX XXXX {$220.00}, XXXX XXXX XXXX balance {$1300.00}, XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX Mortgage Companies inquired on XX/XX/2022 . 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lending company on my mortgage was assumed by a new company and name. My mortgage payment was on automatic bill payment and went to what apparently was an old account number from before the lender changed. I spent months with the company trying to track down multiple payments. Once we finally found the payments and they applied them to my account, they still reported a late payment. The company mailed me a physical letter stating it was their mistake. I submitted this to the credit bureau, they investigated it, and it still show a late payment even though they have documentation from the lender.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX  XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/ a person made a purchase at a store called XXXX XXXX XXXX XXXX XXXX XXXX  The purchase was for {$1100.00}. This person gave a phone number of XXXX. This phone number is XXXX digit different than mine. The finance company was Koalifi, who then sold the lease amount to West Creek Financial & closed it for {$900.00}. Their phone # is XXXX No money came out of my account, but this shows up on my credit report. I am not the person who made this purchase nor am I the person who defaulted on this purchase. I need to have this incorrect information removed from my credit report as it continues to affect my credit report negativly. 
Thank You.
Product: Credit card or prepaid card

Hi CapitalOne team, As I was reviewing my account and credit report I noticed the following compliance-related issues due to inaccurate information in relation to billing statements compliance, per FCBA, and CARES Act 4021 ( FCRA ) reporting issues compliance. 

I never received a billing statement, electronic or regular mail, showing a balance after the XX/XX/2020, payment was made. 

Reporting incorrect information and non-compliance with FCRA and provision of the CARES Act section 4021. Failure to update and set balance to XXXX. 
Failure to provide accommodations during the COVID-19 National State Of Emergency. ( CARES Act section 4021 ). 
Failure to provide current status for account information ( CARES Act section 4021 ) Failure to provide timely and accurate billings statements if a balance is due per FCBA. 
FCBA requires periodic ( normally monthly ) billing statements if there is a balance due. 
I never received a billing statement, electronic or regular mail, showing a balance after the XXXX payment was made. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I have three accounts in collection that are not correct. I have mailed Equifax via certified mail concerning this matter. They sent me a stall letter asking for identification and despite sending sufficient information in my initial dispute, I sent another letter via certified mail containing my ID, SSN and proof of address as requested. However, it has been well over 30 days and there has been no correspondence from Equifax and nothing has been updated on my credit report. This is causing me harm and hurting my credit standing
Product: Credit reporting, credit repair services, or other personal consumer reports

So I checked over my report and I noticed these accounts posting with all different dates balances, & amounts I seem to feel like this is very inaccuate and goes against some laws like the Fcra section 609. I contacted the creditors and bureaus regarding these inaccuracies after 3 months they still have not responded back to me about it I need to get this removed off my credit ASAP. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax XXXX  XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX Equifax XXXX  XXXX XXXX XXXX XXXX XXXX Equifax XXXX
Product: Checking or savings account

Received bonus coupon code from Chase- if you open saving and checking account, put {$15000.00} and set up direct deposit you'll receive {$900.00} bonus in XXXX  days. I did everything step by step online ( including coupon code ) in XXXX, 2023. Didn't get any bonus. Call the bank and they said my coupon was never applied ( which is not truth ). Bank also said they can not do anything by the phone and suggest me to go to the branch and try to fix the problem there. But there is no guarantee and nearest branch is XXXX hours away from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act 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 consumerreporting agency can not furnish a account without my written instructions.
Product: Credit reporting

Late payments are showing on all student loans, I was in school during those times or my loans have always been in deferment.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are reporting different balance on my report equifax, XXXX and XXXX. Loans are in deferment never late and the balances need to be removed from report impacting my credit report. They have over excessive report multiple loans and I did not take out 20 loans. They are not Mines
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquiry XXXX, Experian, and XXXX, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.
Product: Vehicle loan or lease

On the XXXX of XX/XX/year> we purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX in XXXX Illinois, using Hyundai Financing for the amount of {$45000.00} at 6.39 APR. 
We asked while at the dealership whether there would be any charges for prepayment and was told the there would be no penalties. 
After this purchase we found and took a better deal, which resulted in this contract being paid off. So we sent them a check for the full amount ( {$45000.00} ). 
They verified receipt of the payment on the XXXX of XXXX, but as of XXXX they never sent us the Title. 
We called to inquire why and they said that they were due additional charges for interest. 
As such they sent us an additional bill for {$230.00} and according to the bill that they sent us, they also plan to bill us again for an unknown amount. 

We told them that that wasn't what we agreed upon and they said that if we don't pay these extra charges then they would not release and send the vehicle title to us. 

We paid the {$230.00} just to get the title but marked the check " Paid in Duress '', in an attempt to resolve this.
Product: Mortgage

Hello, I have tried to get in touch with my lender to postpone the foreclosure or do something to postpone the foreclosure. I have figured a short sale is the best solution for my house. Please I have already completed the short sale packet that I received from them and have my property listed with a realtor. I already have a few offers on the house. My home value is around $ XXXX and I believe I owe above that. My realtor is determining values depending on the offers we are receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

I am filing this complaint because Experian has ignored my request to provide me the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they required to* promptly delete all information which can not be verified * that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Vehicle loan or lease

I bought a car on XXXX later the same year i went to prison, when i got out everything was gone. T his company send me a letter with a warrant from the superior court sue in me about that loan for the car. I was reading the STATUE OF LIMITATIONS FROM AZ FOR DEBT IS XXXX YEARS. Is too old. I never gave contact from that company before A-L FINANCIAL CORP.  I did a report a police report on XXXX i went today but i was close. I talk to XXXX the person and she told me with the police report i was good for them and fax them. Now i have to wait to the appointment arrive to quash the warrant and explain to the judge. I losing time and work days because of this situation. i really need my job to take care my family.
Product: Checking or savings account

I deposited {$1400.00} through an ATM on XX/XX/XXXX @ XXXX The ATM spit out an error and a receipt telling me to call a number to confirm the deposit. The number is XXXX with a ( XXXX ) at the bottom of the number. I called the number explain the situation and was given a temporary credit and was told they will check the machine and get back to me. They got back to me today XX/XX/XXXX and told me the ATM had a 100 % accuracy and no discrepancy was noted and they are taking the {$1400.00} credit back out of my account. I called into the claims department explain to the person I am not sure what resolution they came up with but I deposited the money and that I even had the serial numbers of lot of the bills as I took a picture of the money luckily before the deposit. They said it did not matter and this was the resolution. I explained they can check the camera feed from that exact time and day and will see me depositing the cash. I was then told I need to file a police report with " local law enforcement '' as they do not have access to the camera. I asked for a manager and was transferred to someone by the tame of " XXXX '' as the " department manager '' He repeated all the same stuff. I asked what am! supposed to do and explain my money was being stolen by them. They advised go into a branch and talk to them. I first went into the first branch closest to me- XXXX XXXX XXXX XXXX, XXXX, OR XXXX and spoke with the teller " XXXX ''. He listen to my story and said that was unfortunate and nothing they can do. I said this was not acceptable and I need help. The lead by the name of " XXXX '' came and told me nothing they can do. They can re-submit an escalation to have this " reviewed further ''. I left after they submitted another dispute for me. I did some research and found an alarming number of stories other consumers had with chase through social media posts that matched my exact situation. I quickly went to another brand near my house to see if I can get help from someone else. I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX and they provided no help. I withdrew the remaining funds out of my account to keep any more robbery from occurring by this bank. I came home and filed a police report with none emergency line. They advised me they could not help with this matter and directed me here. I have the receipt the ATM spit out when I did the deposit and picture of the money I deposited show casing some of the serial numbers and Chase has a video of me making the deposits. I am not sure how else to prove Chase is at fault here and refusing to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't have any inquiries on my consumer report and then suddenly today I notice I have XXXX hard inquiries appearing on my consumer report, I did not consent to, authorize or benefit from any of these inquiries. please block and remove them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. Due to privacy and confidentiality under the law 15 U.S.C 1681. 

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 ). 

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 ) - States A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c Section ( a ) ( 5 ) - States no consumer reporting agency may make any consumer report. Containing any of the following items of information. Any other adverse item of information, Other than record of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 Section ( a ) ( 1 ) - States a person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX from 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 DEPARTMENT OF EDUCATION, XXXX XXXX XXXX DEPARTMENT OF EDUCATION, 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: Debt collection

XXXX XXXX sent an account to a collection agency trying to collect debt that is not mine. I have explained to them that me and a family member has the same or similar name. I explained to them this issue, and I was advised to complete a fraud packet. I sent in the fraud packet. I called and spoke with the XXXX department 30 days after sending it in, and I was told " the account would be removed from all of my credit reports. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX You are in Direct Violation of The Fair Credi Reporting Act ( XXXX XXXX XXXX XXXX XXXX, XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : il aiso states a consumer reporting agency can not furnish an account without my writlen instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

According to my credit reports from XXXX, XXXX, & XXXX, National Credit Systems is attempting to collect debt on behalf of XXXX XXXX XXXX. However, according to the Texas Secretary of State National Credit Systems does not have a bond for the state of Texas to collect debt. National Credit Systems is attempting an illegal practice of collecting debt in the state of Texas.
Product: Credit reporting or other personal consumer reports

I've encountered an inaccuracy on my credit report that I believe infringes upon my rights.
Product: Credit reporting or other personal consumer reports

This complaint is lodged against XXXX XXXX XXXX for falsely reporting details on my LexisNexis XXXX XXXX report. XXXX XXXX has misrepresented two separate claims on my consumer record dating XX/XX/year> and XX/XX/year>. These misrepresentations have caused me to experience a lapse in vehicle coverage and hardships as a result being rendered unable to legally operate a vehicle without paying in excess of double my previous insurance cost. For the accident dating XX/XX/year>, this accident was caused by another driver, evident in both settlement documents and incident reports. For the claim on XX/XX/year>, this claim is already closed out with XXXX XXXX, but they reflect it as an incident on my record despite the claim being closed and merged following my vehicle being stolen the following day. To be clear, these misrepresentations reflect irresponsibility that is not characteristic of myself, and as a consequence any potential future insurers see 3 non-at fault and 1 at fault accident as opposed to an entirely not at fault record, and only 3 incidents. This difference is extremely substantial as it results in approximately {$90.00} in additional premium payments per month. Additionally I find that XXXX XXXX behavior is anticompetitive in that their misrepresentations assured I would continue seeking insurance through their firm as any alternative options would have been too costly, not having seen internal adjustments that XXXX XXXX made but failed to report to LexisNexis.
Product: Mortgage

I have been harassed by Natinstar reps on my cellphone and business everyday, till XXXX for the last two months claiming my mortgage is late and after follow up with their customer service they confirm that I am not late, and am current and my next payment is due in 30 days yet those phone calls do n't stop.