23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Was told to fill out paperwork on the internet to lease an apartment for college. I was never approved for the apartment. My father was not approved as a guarantor. I received a collection notice 2 months later for a sublet fee of XXXX dollars. I called the collection agency and they do not have the paperwork to show where I owe a sublet fee, they said my application has approved all over it. The apartment complex says they can not talk to me once it has gone to collections. I was never called and never received a notice which they said they mailed for the amount owed. I was never approved so how or they going to charge me to sublet the apartment? This is fraud.
Product: Debt or credit management

i didn't give authorization for account. unsure how came about. dont recognize company
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial Services reports a late payment to my credit report which is ruining my way of living and at the same time violating my rights as a consumer, According to 15 USC Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

I had paid off a loan XX/XX/XXXX or so I thought. I checked my statement XX/XX/XXXX only to find out was charged an interest fee on top of other fees after paid off. When I went to pay this off XX/XX/XXXX amount had changed from XXXX to XXXX charge. Then I was also told they can not close my account I have to call another phone number to do that. The loan employees at Check Smart did not explain that your charges do not end with the payoff of your loan but they keep consistently going after that. Very deceiving to people. I will Never use this company or recommend Anyone to use them! 
I call XXXX XXXX XXXX and closed my account and hope this is the end of them and Check Smart. How are they allowed to get away with this? Statement does not have actual amounts that I actually paid. I paid {$300.00} for my loan not {$270.00} then another {$2.00} not {$2.00}. Why are they not audited for posting incorrect amounts?
Product: Debt collection

I have repeatedly told Monarch Recovery Management that the debt that they are trying to collect was from my old business. The debt was from a XXXX business loan. I have been tirelessly going back and forth between Monarch and the original bank, XXXX, and neither are of any help. XXXX sent me the statements in questions and they all have my name and my company 's name on them. I did not personally guarantee the loan and have since dissolved the company. The proper procedure would be to pursue my company and not me. They have put the debt on my credit report and it's destroying my FICO  score. Everything else is positive, but this is negative. I have also tried to resolve this with the three different credit reporting agencies, but have not been able to. After I have told Monarch that this is not a personal debt, they will not stop calling me and remove the debt from my credit report. Please help me in dealing with them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I paid my credit card balance in full : {$780.00}, bringing my balance to {$0.00}. I have not used my credit card in the last 47 days and the balance remains {$0.00}. Wells Fargo did not update the credit bureaus with the correct balance until XX/XX/XXXX. Yesterday, XX/XX/XXXX, they falsely reported my balance as {$780.00}, despite have XXXX billing cycles pass with a {$0.00} balance. Their actions have caused me irrevocable harm as their yo-yo reporting dropped my XXXXredit score significantly and caused me to be unable to secure a home loan and may result in me being homeless by year end. I have never missed a payment and have a have been a loyal customer for years now. Their actions are unethical.
Product: Credit card

I had an introductory 0 % interest rate which ended in XXXX. I understood that it ended, but they were extremely unclear on how interest is charged, and I was misled to believe that I would be charged interest on my monthly payments, not a transaction each month for interest. I would have never got this card if I understood that they would charge me an actual interest transaction over taking the interest out of my monthly payments. I will never be able to pay off this card now as their minimum payments are less than what they are charging each month for interest. This is criminal what they've done to me, and I want this to be fixed where they only take interest off my monthly payments like every financial institution I've done business with in my life. I was conned by this credit card company that I though I could've trusted due to their affiliation with my bank XXXX XXXX XXXX
Product: Credit card or prepaid card

I open a card by capital one and a week after got the card they ask for proof of income I send them account statements but they didn't except it so they froze my account after 30 or 40 days they froze the account I called to close it and they didn't wana wave my XXXX fee for yearly even when I couldn't use the card because the froze it
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the continental finance company and told them that a hard inquiry was on my credit report and my apartment number was wrong and the wrong date of birth and they said they would remove it from my credit report a month ago and hasn, t done so I have called them every day and it is still on all three major credit reporting agencys.
Product: Credit reporting or other personal consumer reports

I recently acquired a copy of my credit report from your bureau and am disputing the accuracy and completeness of the following information. This incorrect information is damaging my credit report, and I request an immediate correction. The details in question are as follows : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 

I assume 30 days is a reasonable time frame for your investigation. After completing your investigation, please provide me with an updated credit report and the names, addresses, and telephone numbers of the individuals contacted.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which is fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, this inquiry remains on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed this unauthorized inquiry from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of this fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

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

In accordance with the Fair Credit Reporting act, the convergent accounts listed below has violated my rights. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # 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 a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Metro2 Compliance of the FDRA XXXX XXXX XXXX XXXX Florida ( XXXX ) Account related to XXXX and XXXX has violated my rights. 

Under the code 15 USC 1681 section 602 it says I have the right to have privacy and section 604A Section 2 says that the consumer reporting agencies can not give out any of my income without my knowledge or written consent to do so.

Credit reporting agencies can not place a late payment on an open end consumer credit plan so says the 15 USC 1666B law.

Also with 15 USC 1681a law Exclusion says that consumer report term does not include any of the reports containing transactions and or experiences between a consumer and the person making the report.

IRS states that any creditor that writes off an account as a Charge Off files a 1099C to establish the account as income. And income does not get reported on the credit profile. So the consumer reporting agencies are violated my rights reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act capital one has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A SECTION 2 a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose
Product: Debt collection

CAPITAL ONE BANK USA NA XX/XX/2018 I never opened this account. 
Please provide proofs that I had opened this account via writting.
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX I was called by XXXX of XXXX XXXX XXXX in XXXX oh. since I was a good client she offered me a new better loan. my ols loan would be paid in full with no XX/XX/XXXX payment due. instead they took the payment of XXXX $ out of my aact. and also charged me an overdraft of XXXX $ they finally put it back into my account. I feel the rate charged was way too high. she told me a 36 mo. loan then changed it to 42. the closing was done on the phone because she said her documents would not go to my email, no fool like an old fool.now I am stuck with a longer loan.i feel this was very deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my Kohls credit card on XX/XX/21 and reported it lost to Kohl 's Customer Service via telephone same day. I requested that my account be closed immediately so that no would be able to use it if they found my card. I was informed by Customer Service that I would need to go to a local store and apply for a new credit card. It should be noted that my account was not closed until XX/XX/21, after I had to place a second call to request the account be closed. 

A few days later I applied for a new card at the Kohl 's store in XXXX, Ma after explaining the situation with my lost card. I recently received an adverse action letter dated XX/XX/21 for a Kohl 's Credit Card account issued by Capital One, NA. stating " Our decision was based on the payment history for a previous Kohl 's account in your name ''. And, to contact them if I had any question regarding this decision. The ECOA notice was the only disclosure on the adverse action letter. 

I immediately contacted Kohl 's Customer Service and advised that I have never been late on any of my payments. I asked the CS rep if she could provide me with contact information for Capital One and was told NO. I asked If I could speak to a manager and was told NO. I stated that my next call would be to the CEO if they were not able to help me. I was placed on hold and Manager ID XXXX spoke with me. She confirmed that she reviewed my account history and that there we no late payments or late fees on my account. She told me to try applying again in a week or so and maybe it would be approved. I advised that this solution is unacceptable to me. I stated that Kohl 's is reporting inaccurate information about me and I would like to dispute it. She told me that I can not dispute it. The call ended at the point. 

I am contacting your agency for assistance with this matter as I believe that I was not provided with appropriate FCRA disclosures and not giving the opportunity to dispute their incorrect reporting of my account. I firmly believe that they are not incompliance with FCRA requirements and that my rights have been violated. Also, I am sure that I am not the only individual who has experienced this negative treatment and that many others may have been impacted as well by their practices. 

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

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX/XXXX/XXXX.
Product: Vehicle loan or lease

I have reached out to the company on multiple occasions for the past year, and I have been ignored and made felt to be a liar. I have provided them with proof that this account is not mine, and they still have not take any action.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach that has compromised my personal information. As a result, I request that the following accounts and inquiries be blocked and deleted from my credit file as required by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a consumer credit transaction with the following companies : XXXXXXXX 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 and XXXX XXXX XXXX credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 
I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act the didnt notify me of the investigation results within 30 days. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Hi and how are you doing? Although I appreciate XXXX XXXX getting back to me in regards to my previous dispute for a negative item or charge-off account reporting, but their investigation did not resolve my underlying issue. It's impossible that you verified this account because it continues to report the same errors, inconsistencies, with multiple inaccuracies, and different dates of last active and different dates of last payment. You mentioned that you sold my account back in XX/XX/2016 to a XXXX XXXX XXXX - a debt buyer, but no way on my account is showed that it was sold or transferred to them. I believe under the fcra guidelines if the account was sold/transferred it needs to show on my credit report so I can resolve it directly with them. You failed to conduct a reasonable and truthful investigation because it continues to report the same errors and violations as before i disputed.
Product: Credit reporting, credit repair services, 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 to privacy and confidentiality under 15 USC 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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 or other personal consumer reports

I was informed that my account was verified and accurate after my initial dispute months ago. I reviewed my credit report on XX/XX/XXXX. Even though I requested deletion from Credit Reporting Agencies, my rights under the Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681 in my opinion was not a reasonable investigation. Specifically, the agencies and companies have reported outdated and inaccurate information on my credit report without my written consent, which violates my federally protected consumer rights in 1681e section b. Violation of Privacy Rights : Under the FCRA, consumer reporting agencies must ensure the accuracy, fairness, and privacy of consumer information. According to 15 U.S.C. 1681b, a consumer reporting agency can not furnish a consumer report without the consumers written consent unless it is for a permissible purpose as defined by the Act. The outdated information reported on my credit report was furnished without my explicit written consent, violating my right to privacy and the confidentiality of my personal information. Violation of Consumer Rights : As stipulated in 15 U.S.C. 1681c. Specifically, outdated information like personal information from XXXX is beyond the permissible reporting period and should not be included in consumer reports. The account in question is old and should not be reported. The following entities, including the major credit reporting agenciesExperian, XXXX, and XXXXand the specific companies listed on my credit report, have played roles in the inaccuracies I am disputing personal information, late payments, closed accounts, collections from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX
Product: Checking or savings account

I started a Capital One XXXX checking account at the beginning of XXXX and after a payment came through back on XX/XX/XXXX from a client, a few days later I noticed my available balance was {$0.00}. They stated to me that my account was under review due to XXXX of these payments that might've gone through to them under my old business name. Since that time I still have not been able to make transactions in my business account. I have called numerous times trying to get this cleared up only to be told it is still pending. They won't let me inquire with whoever is handling the review, I have gotten no communication from them to try and resolve it, and essentially for XXXX weeks now I've been told to wait.