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

On XX/XX/XXXX I sent certified mail legal documents including a letter of Administration and a certified death certificate to Discover Bank. I had called their beneficiary care dept. and was told the XXXX. XXXX was XXXX, XXXX XXXX XXXX, UT XXXX. They signed the return receipt on XX/XX/XXXX. When I called on XX/XX/XXXX, the same dept told me the P.O. box number was wrong, and they can't locate the letter. My point is someone signed for the certified mail envelope, what is their policy for mail sent to them with a wrong Box # on it? Why don't they refuse to sign for it, and return it? I of course, believe they do indeed have it, and like any Bank will do anything they legally can to delay money being sent out. How is this legal?
Product: Credit reporting

EXPERIAN & XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to Experian, also this item was removed from my credit report then put back on my credit report under a new account number XXXX, I have all my record letter, therefore by providing such information they are in VIOLATION of my HIPPA rights also the FCRA..
Product: Debt collection

THIS IS RIDICULOUS!!! I am unfamiliar with this account! Why is it being reported on my credit report? I'm looking for verification of this account! No contract exists between me and this account. I will sue you for the anxiety you have caused me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted disputes ask you asking for investigations into XXXX XXXX XXXX account # XXXX, XXXX and XXXX. Reason being I hope three accounts with them but they have reported negative payments on falsely and secondly have not reported any sort of data or update on the accounts with any of the three bureaus since XXXX. Automotive credit has come back saying that there was an issue in their software and because of that they could not report to XXXX. Even if that was the case they havent updated or reported to ANY of the bureaus and so my credit rating has been tarnished because of it. and it has held me back from obtaining credit and growing my company. 

I request at this company be investigated and looked into the fraudulent practices that are harming me, probably thousands of others, and might be subject to a Civil dispute at this point. Im almost certain the reason they havent updated this or made the corrections is because it probably cost them money to report the corrections and updates to the credit bureaus. I have attached previous complaint, response and also the account history showing that payments are actually paid up through the month of XXXX so far
Product: Credit card

A fraudulent charged occurred on one of my Venture XXXX credit cards with Capital One, specifically my minor daughter 's credit card. 

On Saturday, XX/XX/, my daughter and I were shopping at the XXXX XXXX in XXXX, TX when a charge was made which was not authorized by my daughter or myself. According to Capital One records, the charge was made at XXXX XXXX for {$180.00} on my daughters card ( ending in XXXX ). 

I immediately contacted Capital One the following Monday, XX/XX/XXXX to dispute this charge. The representative informed me that they would temporarily credit my account until further review was made. They also canceled my daughters card and reissued a new card. 

Today, I saw that Capital One reversed the credit so I contacted the fraud department to follow up. I spoke with two fraud supervisors and a manager and they all claim that the fraudulent review confirmed that the charge was made by my daughters card. They also claimed that the chip technology confirms that the charge was made. 

I am confirming that we did NOT make this charge. We were shopping at the XXXX XXXX and the XXXX XXXX in question is over a mile away. The authorized charges made on that day by my daughters card were from XXXX XXXX for {$6.00} made at XXXXXXXX XXXX CST and a charge was made at XXXX XXXX  for {$5.00} at XXXX XXXX  CST. 

According to the manager in the fraud department I spoke with today, the XXXX XXXX charge in question was also made at XXXX XXXX  CST, the same EXACT time the XXXX XXXX charge was made when we were at the mall. 

He claims that the credit card was also physically used at XXXX XXXX via contactless payment. How is this possible when the card was physically being used at XXXX XXXX  at the same exact time? Even the fraud manager was perplexed. We could not have been at two different places at the same time. 

I am appalled by how Capital One is treating me. I have been a longstanding customer with them yet they are not protecting my best interest.
Product: Debt collection

This is now my third complaint about this same matter, as the past two complaints I've filed against XXXX received a response from the XXXX  of which they admit to violating my rights under the FCRA and FDCPA. As I mentioned in my previous complaint, I was advised by my attorney to send a " Dispute/Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Even though the delivery confirmation clearly shows that they received my letter, the debt collector did not send me validation, and instead chose to violate my rights under the FDCPA by the following : This debt collector has broken laws under the Fair Credit Reporting Act and did not address it at all in their response. Not only did they NEVER attempt to send me validation until I finally had to complain to the CFPB, but under the FDCPA Section 807 ( 8 ) they are in violation ( {$1000.00} fine ) as they did NOT notify the credit bureaus that these accounts were disputed. I pulled a credit report on XX/XX/2019 ( over a month since they received my validation letter ) and there are absolutely no notes from the creditor showing that these accounts were under dispute. I've attached that report to this complaint showing the dates, and the notes on the collection account. In fact, the debt collector admitted in their response to the other complaint that they didn't even submit the accounts to the credit bureaus until 23 days AFTER they received my dispute/validation request, thus violating my rights under the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, This also carries a {$1000.00} fine. They did not validate the debt yet continued to pursue collection activity by reporting it to the bureaus, and continued to report to the credit bureaus. While I have the right to take them to court for violating these 2 laws, all I ask if for them to do what they should have done in the first place and cease all collection activity and remove these accounts from my credit reports, as demanded by law. As of today, I have now sent a complaint to the Colorado Attorney General, and will continue to pursue legal action if they continue violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from XXXX report. It indicated that ( 3 ) credit inquiries were made by your company. However, only one was authorized by me the ( 2 ) other inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries, and have them removed from my credit report.
Product: Checking or savings account

I have tried 5 times to close a business checking account with Bank of America. I have cold there helpline visited their branches and each time was told the problem is resolved. Then a month later I get another statement with monthly charges. I am no longer interested in attempting to resolve this through the company oh, I have to do it through another means.
Product: Debt collection

MERCHANTS CREDIT GUIDE is aware that I refused to pay the alleged debt they say I owe. MERCHANTS CREDIT GUIDE is aware that the alleged debt is a result of identity theft. MERCHANTS CREDIT GUIDE has been requested to cease and desist all collection efforts through all mediums. MERCHANTS CREDIT GUIDE has also been requested to cease and desist communication through any mediums including credit reporting agencies. 
MERCHANTS CREDIT GUIDE was notified in XX/XX/2022, XX/XX/2022, as well as XX/XX/2022 about the fraud taking place in this transaction. MERCHANTS CREDIT GUIDE continues to harass me for payment yet hasnt provided the following : A. Original Account-Level Documentation B. A chronological listing of the names of all prior owners of the Debt and the date of each transfer of ownership of the Debt, beginning with the name of the Creditor at the time of Charge-off, if Respondents are initiating a Collection Suit on behalf of a Debt Buyer C.A certified or otherwise properly authenticated copy of each bill of sale or other document evidencing the transfer of ownership of the Debt at the time of Charge-off to each successive owner, including the Debt Buyer on whose behalf Respondents initiate a Collection Suit. Each of the documents evidencing the transfer of ownership of the Debt must include a specific reference to the particular Debt being collected XXXX. A document signed by the Consumer evidencing the opening of the account forming the basis for the Debt ; or ii. Original Account-Level Documentation reflecting a purchase, d.

payment, or other actual use by the Consumer
Product: Credit card

My Fortiva account is charging me an annual fee when my account is closed
Product: Checking or savings account

Alliant Credit Union decided to close my account and take {$15.00} from my hard earned balance for themselves.
Product: Debt collection

In XXXX XXXX, I was involved in a collision while operating a rental car from XXXX. I purchased a liability waiver for the car, but failed to get third party/total collision insurance. XXXX cars were considered a total loss. 

On the scene, I was issued a ticket, went to court a few weeks later, and paid the fine. The other party involved was not present at court. 

In XXXX XXXX, I received a letter from XXXX damage recovery unit stating that I was not liable for the damages incurred to the vehicle I was driving. 

In XXXX XXXX, I receive a collections notice from XXXX XXXX XXXX in an attempt to collect {$25000.00}. When I inquired about the charge I was informed that the other individual in the accident settled with XXXX, and because I did not purchase the total liability waiver, XXXX did not have to engage me in conversation regarding negotiating the settlement amount. They also stated that the only breakdown they needed to provide me was that the individual was paid {$2500.00} for his XXXX XXXX XXXX and {$23000.00} in personal injuries. 

I could have hired a lawyer to represent me and negotiate the claim. 

When I asked why the notice went straight to collections, XXXX stated they sent me a letter and because I failed to respond within 30 days they sent it to collections. When I asked if they had proof of delivery or proof that the letter was mailed out, they said they did not need to provide me with any documentation.
Product: Credit reporting or other personal consumer reports

As I was checking my Equifax report I noticed something an inaccurate account on my report. XXXX XXXX XXXX  shows I owe them {$650.00} open : XX/XX/XXXX, XXXX account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) According to FCRA Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act 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 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, written permission to furnish these accounts.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

Last week I began receiving collections calls from Nationstar Mortgage concerning this month 's payment which was due on the XXXX the month, but was now the XXXX the month ( a week and half after the XXXX ). After that first call I went to their secure website, logged in and sent them an email advising them not to either call my work or cell phone in accordance with the Fair Debt Collections and Practices Act of 1974. The next day and each proceeding day after that I kept receiving collection calls from Nationstar Mortgage. I went back to retrieve that email that I had sent them and it had been deleted by Nationstar. 
The second time Nationstar called I advised them that my wife and I were advised by our Real Estate Agent not to make this month 's payment in that this may cause some difficulty somewhere in the selling process. I also advised them that I would provide Nationstar with documents showing that our house is being sold. Nationstar still kept calling and sending emails. They refused to either work with me or believe my story. 
In short, Nationstar violated the Fair Debt Collections and Practices Act of 1974 and based on that I am filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly unpaid student loan collections for DP OF EDUC and DIRECT LOANS partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 10, 11, and 12 of the attached credit report. I have also attached a spreadsheet with the account numbers and balances reporting on the collections. ) There was a garnishment for over {$8000.00} on my tax return for collection of these student loans. I originally came to a settlement agreement with the Department of Education for {$1900.00}. I was not aware of any garnishment proceeding until I filed my taxes. I received confirmation from the I.R.S. that this garnishment was from XXXX. I contacted the Department of Education on multiple occasions only to be told that a garnishment was never initiated from them. The fact remains that I was garnished and no one can confirm to me who filed this garnishment even though the I.R.S. said it was from XXXX. I have not been able to speak to anyone further with the Department of Education that can provide me with more information. They are denying they ever garnished my wages. There has been no further communication with me regarding where this money has gone. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Product: Credit reporting or other personal consumer reports

I was identified as having a massive identity theft issue against my accounts. There were cards that were opened in my name and never paid off. I went through the t process of having my credit reports locked and the subsequent companies that the feed into the credit reporting agencies such as, XXXX, XXXX, Cheksystems. I was told that they have directed that a freeze be placed on my information. But I believe that this has not been done. Please ensure that this has been done.
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 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 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 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, credit repair services, or other personal consumer reports

On XX/XX/2022 I was notified by FedLoan Servicing that my loans were being transferred to XXXX. Now my loans are duplicated on my XXXX report. I have attempted to get them to remove the duplication multiple times since XX/XX/2022, but they deny the dispute every time, despite evidence from both My XXXX and XXXX. This doubling of my loan has resulted in higher interest rates for auto loans and has been extremely frustrating. 
I am attaching the notice from FedLoan Servicing that states my loan will be transferred and the " Welcome Letter '' from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 

1. Identity Theft DISCOVER BANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to XXXX, XXXX, and Equifax about errors on my credit reports. There are late payments and personal information like names and addresses that are not correct. I have written them on XX/XX/2023 and again on XX/XX/2023. I have not gotten any responses from any of these bureaus. I have provided information including my driver 's license, social security card and proof of address. They have not sent me anything, and nothing has changed on my credit reports that i can see online. They are supposed to send updated credit reports and they have not. it's been over 60 days and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continued to refuse to block fraudulent accounts from effecting my credit score, while the bank has complied, equifax continues to fail to correct and is currently damaging my credit. At this point, I have to consider that Equifax may be doing this intentionaly due to repetition of this event.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX  Inquiry Date XX/XX/2020 ; XXXXL Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 The following address needs to be removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX & the following account XXXX XXXX XXXX Balance Owed : {$8500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3800.00} ; XXXX XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1000.00}.
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 to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these 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
Product: Credit reporting or other personal consumer reports

Transunion Credit report agency is not even trying to help me in fixing my credit report, a few weeks ago I got a mail with my credit report, but there is many wrong information there thats needs to be fixed, but they dont help me. I've been getting denied credit from many lenders because of them. Im so upset. I need help with this.