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

I visited the XXXX XXXX for vacation I booked and paid for a rental car online prior to my trip! When I went to pick up the car I was under the impression I was putting down a deposit in case of any accidentals which should have been returned 5 business day after bringing the car back! Due to the language differences I was charged for services ( insurance ) I didnt need or authorize! Because it was already purchased with the rental online! i was under the impression it was a refundable deposit! I explained this to CAPITAL ONE and the took my claim! In 4 days the made a decision saying : We finished researching your disputes. Based on the information we have, your claim has been denied due to the following : Our research shows this transaction occurred with a chip card at a chip enabled terminal. 


Capital One did not properly investigate my claim, disregarded the situation and ignored my claim statement! I did not authorize nor understand what I was being charged for bottom line! 

My account is now holds a negative balance due to the denied claim! No thorough investigation takes 4 days! 


My other grievance with Capital One is the BONUS OFFERS! I Completed all task necessary to receive the XXXX bonus on XX/XX/2024 the account was open on XX/XX/2024 we are currently in XXXX and I STILL have not received my bonus offer! i should have received the bonus after the requirements were met! Because that was the incentive for me to open the account! I called 5 representatives all to no avail!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months I have been trying to get the three FedLoan accounts removed or to stop reporting as if they are active. According to my report it reads as follows : FED LOAN SERVICING Last reported XX/XX/XXXX Account status Closed Type Education loan Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Account previously in dispute - Now resolved by data furnisher Variable/adjustable Rate Times XX/XX/XXXX days late XX/XX/XXXX Closed XX/XX/XXXX The problem with the above information is my account status states these loans are closed as of XX/XX/XXXX, however they are being currently reported as derogatory as recently as XX/XX/XXXX. 

My loans are currently with US Department of Education Default Division at the Total and XXXX XXXX XXXX. They are with this unit to be discharged. 

I will upload the letter sent to me dated XX/XX/XXXX with an account number of XXXX. Phone number of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. 
I am at wits end regarding my credit. THIS IS MY 5TH FORMAL COMPLAINT WITH CFPB AND EXPERIAN. Experian continues to list wrong information on my report for my sister, XXXX XXXX. Last year it was her student loans, which prevented me from getting a Refi on my house. This month, its my sisters car payment, inquiries to purchase cars! Someone at Experian accidentally merged my sisters credit report with mine over a year ago, and I contacted the consumerfinance.gov, and filed a Complaint, now I have contacted the Ohio Attorney General since you keep closing my complaints and marked as resolved. They are not resolved. Every month, for 6 months I filed a complaint after Experian replies and indicates " no problems here '' - and " Credit is not merged '' - But every month, I get a notification from Experian telling me that my report dropped 100 points, and it shows my sisters outstanding loans. After my sister got approved for SSDI late last year, she applied to have student loans removed from her report, and for a few months its been quiet. It appears that the student loans are off of my report. No. 

In XX/XX/XXXX, she applied for a rental apartment, and that shows up as a inquiry on my report, and in XX/XX/XXXX, XXXX did an inquiry, and XXXX, an auto loan company gave her the loan for the car she purchased thru XXXX. These are now the most current companies on my report. 
My credit report has been damaged, and I have lost money because of these continual errors, and Experian has not fixed them. I am now in the process of SPENDING MORE MONEY and hiring a Consumer attorney for my monetary damages! 
I applied for a ReFi with XXXX XXXX on my house last year, and the day of closing, my sister 's student loans popped up thru Experian, but not XXXX  or XXXX, so I was denied the loan, and had to cancel my contractors who were doing a rehab on my basement, and I am further injured because my credit score drops 100 points every month, and then 2 weeks later it goes back up when they realize their mistake. But then every month at the end of the month, they put her credit info on my report, and then 2 weeks later, they take it off. This has been going on for over a year, making it impossible for me to continue to get a ReFi on my house. THIS IS MY LAST NOTIFICATION TO DOCUMENT ALL THE TIRELESS EFFORTS THAT I HAVE TRIED TO SETTLE THIS MATTER WITH EXPERIAN. NOW I AM GOING TO GET ALOT MORE THAN JUST MY ATTORNEYS FEES PAID. THEY HAVE INJURED MY FINANCES, MY CREDIT REPUTATION, AND HAS PREVENTED ME FROM NOT GETTING LOANS BECAUSE OF THEIR ERRORS. 
Complaints filed with CFPB re : Experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting

I have disputed the Judgment on my Experian report XXXX times, twice sending them a copy of the judgment showing where it was cancelled in XXXX 2015 and should be removed from my report as XXXX and XXXX have already. They still show it as satisfied and it should be removed being it was cancelled/voided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

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 reinvestigated. 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 : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, XXXX XXXX Account number XXXX Date opened XX/XX/2019 Please mark each account as being disputed The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 items listed below are still reporting on my credit report in violation of federal law. The Experian/XXXXXXXX  Credit Bureaus 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 items completely from my Credit Reports : 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 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
Product: Debt collection

I filed a complaint with CFPB and FTC regarding Hunt & Henriques collection practices. They had sent me a letter alleging that I owe a debt for {$5500.00}. I sent them a letter requesting validation of the debt. They sent me back a letter stating I have no right to ask for validation. Well, that complaint was heard and answered. Today XX/XX/2019 I recieved another letter from Hunt & Henriques stating " RE :  NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS '' It states they intend on filing suit against me. This is clearly in retaliation for the complaint which I filed on them XX/XX/XXXX for this same alleged bill of {$5500.00}. They are now threatening me. This is clearly retaliation and harassment. They need to leave me alone. I dont know who they are and I do not owe them anything. I am filing this complaint for documentation of thier abuse. Please advise what I can do. Thank you XXXX XXXX
Product: Debt collection

I have repeatedly ask Navient to stop calling me because I do not owe this debt and am currently filing litigation. They continue to call me 2-3 times a day everyday even after sending this to collections. They have also called my Mother, sister, son, and former employer. In all of those instances they have stated they are calling for XXXX XXXX in regards to a debt. I know for a fact they are not allowed to mention a debt. They have also left messages with my mother asking her to call them back, and called her more than once. I also know this is illegal. Something needs to be done. They continue to harass me several times a day. I emailed them and told them to not call and they continue. I told them I have obtained a lawyer and it will be settled in court, yet they continue to call. The last woman called today XX/XX/24 and told me I was a liar and do not have a lawyer because I refused to give her information. I should not have to be called a liar on my own phone. I am following my lawyer 's advice and she tried to convince me I needed to do what she said. She basically told me I shouldn't listen to my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Hi- as per ChaseXXXX XXXX XXXX, I was offered 3 paid nights at participating XXXX XXXX. I am attaching the screenshot from my Chase XXXX XXXX I read all the terms and I am complying with them. However, I have not been allocated those nights. When I called Chase and XXXX customer service, they both didnt have any clue. I spent hours on the call. I also sent an email to XXXX and I havent gotten response in 5 days. Thank you in advance for your help. I can provide additional documents if needed.
Product: Vehicle loan or lease

I tried to make my first payment on XX/XX/2024, after multiple phone calls I was put through to a XXXX  who represented as a real person. Put my card info into the system so I they would pull my payment and set up for auto pay. The XXXX of XXXX I noticed the payment did not come out. I called the company, automatic system kept saying I did not exist in the system. I came out of work on XX/XX/XXXX to my car being gone, I did not receive any call. The other lady on the car loan claimed the dealer had called her after car was taken. I call Westlake to find out what was going on, they advised me to make my payment and I would be able to go to dealer to pick up my car. The reprehensive pulled most of payment from card on file I had originally put on there to have automatic payments taken from. He had no issue. I spoke to dealer after this call with representive and he told me he would get right back to me he had to call them to verify. He did not get back to me until the next day. He had informed me he couldn't give me car due to contract being cancelled. I called multiple times to speak to Westlake, I was hung up on a few times and other times given a different story each time on what had happened. XXXX a supervisor from Westlake did inform me of a " system error '' with my payment and admitted seeing my attempted call on XX/XX/XXXX. I spoke to another representive who said my card was declined. Then another one had another story. I then decided to go straight to dealer because this information was inaccurate and at this point very suspicious. XXXX the dealer showed me some paper work for a repossession order and I gave him all the proof I had, he call his contact through Westlake by the name XXXX who agreed something did not seem right. I was then asked to submit proof of call and money in the account at time of payment for an " investigation ". I submitted the requested information and every follow up I made I was brickwalled, requesting the same information I already sent. After I realized I was not getting anywhere with XXXX I called back to Westlake, when finally spoke to someone who actually would give information he informed me the investigation was not real. I then requested the transcripts of every recorded conversation and they refused to give them to me and stated to go get a lawyer if I want them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, I HAVE COMPLAINED TO EQUIFAX AND I HAVE SUBMITTED MORE THAN ONCE MY IDENTITY THEFT REPORT AS PROOF OF IDENTITY THEFT. I HAVE ALSO SEND THEM THE INFORMATION FROM THE CIVIL CODE FCRA 605B ( 15 U.S.C. & 1681c-2 ) WHICH CLEARLY STATES THAT FRAUDULENT ITEMS SHOULD BE REMOVED/BLOCKED WITH IN 4 BUSINESS DAYS. I HAVE CALLED NUMEROUS TIMES AND I HAVE SENT THEM ALL REQUIRED DOCUMENTS.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX Original creditor : XXXX BANK XXXX AD XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  O Original creditor : XXXX XXXX EXXXX  XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX CREDIT XXXX BANK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX OHIO XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX OHIO XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX  Bank {$420.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX Bank Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

XXXX. **Account Information : ** - Creditor Name : XXXXXXXX XXXX  XXXX Account Number : XXXX - Account Type : Secured credit card - Bureau Code : Individual - Date Opened : XX/XX/2020 XXXX. **Inaccurate Reporting : ** - Account Status : Derogatory - Monthly Payment : {$0.00} - Balance : {$71.00} - High Credit : {$270.00} - Credit Limit : {$200.00} - Past Due : {$71.00} - Payment Status : Collection/Chargeoff - Comments : - Charged off as bad debt - Profit and loss write-off - Account has been closed due to inactivity. 
- Unpaid balance reported as a loss by the credit grantor. 
- Charged off account - Secured credit card 3. **Date Information : ** - Date Last Active : XX/XX/2020 - Date of Last Payment : XX/XX/2020
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XXXX XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX .Ive already included this in my previous Complaint # & I am including it again. 
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
Product: Debt collection

Due to error with XXXX XXXX XXXX bill my account was closed on the behalf of XXXX XXXX XXXX and set off the collections agency. XXXX XXXX is whom they sent the bill to for {XXXX} AFTER CORRECTIONS WAS MADE MONTHS LATER ON XXXX XXXX XXXX. In XX/XX/XXXX I set up arrangements to settle the account for 50 % they offered to settle the account for {XXXX}. I agreed and set the settlement up on installments. XXXX XXXX, XXXX is when the settlement was paid off in full and closed. XXXX notified XXXX & XXXX XXXX XXXX that my account was closed and settled. I received another phone call from the a different collections agency known Enhanced Recovery XXXX  regarding an outstanding balance that is still reflecting on my XXXX XXXX XXXX account that is suppose to be closed and settled. I spoke with XXXX XXXX XXXX through last week starting XX/XX/XXXX, and XXXX spoken with numerous of reps at XXXX XXXX XXXX collections department I also conference XXXX  on the call regarding to my account that I had with them from XXXX XXXX XXXX. I Settled the account with XXXX. XXXX XXXX XXXX refuse to closed the account.
Product: Credit card or prepaid card

Representatives from the company have not been truthful. I was approved for the least desirable card without being given a copy of what was entered. This card was comparable to one had XXXX years ago in college. They are refusing to raise my credit limit but pulled a second credit report without my permission. I was told that their secured card did not involve a credit report. This later changed. Furthermore, a XXXX dollar gas purchase has been allowed to place a XXXX XXXX dollar hold on my account creating insufficient funds. The company also did not issue my mother replacement credit cards before expiration.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX Dear XXXX I am writing to dispute the validity of a debt that your company is attempting to collect from me. This letter is a formal validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ).

I am requesting that you provide me with the following information : 1. The original creditor 's name and address.

2. The amount of the alleged debt.

3. Verification of the debt, including any documents that prove I owe the debt.

4. A copy of the original contract or agreement that created the debt, if applicable.

5. The date the debt was incurred and when it was assigned to your company.

6. A complete payment history showing all payments made and any charges or fees added to the account. 

I am also requesting that you cease all collection activities until you have provided me with the requested information. Please note that failure to provide this information within 30 days will result in my assumption that the debt is not valid and must be removed from my credit report. 

I would also like to request that all future communication regarding this debt be done in writing and sent to the address listed above. I do not wish to receive any phone calls regarding this matter. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe. 

Sincerely XXXX XXXX XXXX XXXX All rights reserved XXXX