23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I could not get help with payment plans and I have defaulted and resulted in late payments that were reported on my credit report
Product: Credit reporting or other personal consumer reports

Capital One claimed that I opened joint business account with them in the year XXXX. The account was charged off in XXXX. I have yet to receive a 1099c to add to form 892 to send this to irs letting them know that I am insolvent and that my responsibility out weighs my income. I have requested the form from them several different times just for them to tell me that although it has been charged off they have not written it off the book yet. So isn't that fraudulent that for XXXX years you have been writing off the same account? the account number from what I gather is # XXXX XXXX XXXX XXXX -- XXXX -- -- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've sent several letters certified mail to all three credit bureaus asking them to contact creditors that I have been unable to reach to verify that the accounts that are reporting negatively on my credit reports belong to me. I 've been a victim of fraud and I have been working tirelessly to clean up my credit and establish positive accounts to outweigh the bad due to this unfortunate circumstance. The last letter that was sent to the credit bureaus was received by them on XXXX XXXX, 2017 according to USPS tracking confirmation. The accounts that I have been asking for verification to prove that they belong to me are from creditors XXXX XXXX XXXX {$4800.00} XXXX, XXXX XXXX XXXX {$300.00} # XXXX, XXXX XXXX {$6600.00} # XXXX, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$290.00} # XXXX. As a consumer I have rights under the FCRA & Federal Law that mandates creditors have 30 days to respond to disputes. I have yet to receive any response from any of these creditors or proof from the credit bureaus that these are validated as they say. Before I begin to take legal action I 'd prefer that this be settled by this third party platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

syncb XXXX fraudulent credit check never applied for credit fraud XX/XX/2022 credit inquiry
Product: Debt collection

I have made arrangements with GC Services to repay my tax debt and have been making my regular monthly payments as agreed. 

GC Services continues to call and harass me monthly about setting up a plan to repay the debt. I have already done this! The most recent call was today, Monday, XX/XX/2022 at XXXX XXXX  XXXX. XXXX XXXX is the person who called on this date. 

They also called me on Wednesday, XX/XX/2022 at XXXXXXXX XXXX  XXXX. I believe XXXX contacted me on this date as well. 

I am very busy, I work from home and I am very tired of being harassed by a company I have already agreed to pay and make payment to. 

Please make them stop.
Product: Bank account or service

Two years ago I was going through very rough times following my XXXX. I informed Navy federal during a conference with a financial councillor that I was pending a VA XXXX claim. Magically without my signature or verbal go ahead they removed my XXXX insurance from my Credit Card. 

Secondly they have repeatedly called my father whenever my account is past due even though my father informed them to remove him off his list and stop calling him. Somehow they are still continuing to call him. 

I have many complaints regarding this credit union but have decided only to submit these XXXX.
Product: Debt collection

In 2014 my debit card with XXXX was compromised and the issue was corrected. There is a letter from the company, case with Illinois Attorney General, and affidavit. This matter was resolved years ago and I owe nothing. This was theft and a debit card. This company almost three years later is reporting false information to XXXX and XXXX. They have been falsely reporting a closed matter on my credit report for two months. I was never given proper notice that this debt was being reported until I checked my credit report today
Product: Credit reporting or other personal consumer reports

I am disputing the charge-off status and details of the above-referenced XXXX XXXX  account that appear on my credit report. I believe the information is inaccurate and unverifiable, as required by the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ) and 1681i ( a ). Therefore, I request that Experian delete this account from my credit report.

Inaccuracies and Grounds for Deletion Unverified Balance and Charge-Off Amounts This account reflects a balance of {$16000.00}, which exceeds the stated c
redit limit of {$16000.00}. Such inconsistencies suggest that Experian has failed to maintain accurate and verifiable data on my report, as mandated under 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Errors in Payment History Reporting The account includes repeated charge-off notations ( CO ) along with delinquency codes that do not align with XXXX XXXX XXXX. This failure to consistently and clearly report the payment history may lead to misrepresentation of my credit history. Under 1681i ( a ), Experian is required to promptly delete or correct any data it can not verify as accurate.

Overlapping Delinquency Statuses The overlapping XXXX XXXX, XXXX, and other delinquency codes inflate the severity and duration of my payment history. This inaccurate information does not comply with 1681e ( b ), which requires Experian to provide maximum possible accuracy in reporting. If Experian can not verify each of these entries, I request the deletion of this account as mandated by 1681i ( a ) ( 5 ).

Non-Compliance with Verification Standards According to 1681i ( a ) ( 1 ), once a consumer disputes information, the credit reporting agency must conduct a reasonable reinvestigation. If the information can not be verified, it must be deleted as required under 1681i ( a ) ( 5 ). The inconsistencies in the accounts balance, credit limit, and payment history suggest that verification may not be possible.

Request for Deletion Given the issues identified above, I request that Experian delete the XXXX XXXX  account from my credit report entirely if it can not verify the information as accurate and complete under FCRA guidelines. 


This letter serves as a formal dispute under the FCRA. I expect Experians response within the 30-day period specified by 1681i ( a ) ( 1 ). If Experian can not verify the disputed information, please delete it from my credit report as stipulated by 1681i ( a ) ( 5 ).
Product: Credit reporting

I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything.
Product: Credit reporting or other personal consumer reports

Payment history for this account is inaccurate on my credit report. I have provided a copy of my credit report that show this error. This is not being corrected by Equifax.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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

I received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX  XXXX Account Number : XXXX This is a violation of my rights. please remove it from my credit report 2. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX XXXX Account Number : XXXX please update to never late 3. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX  Account Number : XXXX please update to never late 4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX This is a violation of my rights. please remove it from my credit report 5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
Product: Debt collection

I recently reviewed my XXXX credit report and I was totally shocked to find Capital One Bank is still reporting these fraudulent accounts on my credit report. I am requesting for Capital One Bank to send XXXX  a request immediately to remove these fraudulent accounts. I have attached a copy of letters I received from XXXX XXXX who handled my fraud case. He stated that all three major credit reporting agencies need to remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date- XXXX-2021 To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX
Product: Checking or savings account

on XX/XX/2023 i transfered XXXX to my savings account. When i woke up on XXXX i checked my account and noticed that it only showed that i have a checking account. I called the bank and was told that they closed my savings account because it was negative XXXX and to go to a local branch to withdraw the money. I went to the branch and was told there was nothing that could be done and to call customer service. I have been calling the customer service and i keep getting the run a round and was told it could take up to 2 weeks to get my money back. My rent is past due and my landlord has started eviction proceedings. I have sent the bank the emails from my landlord and have called everyday to get some assistance in getting my money so i can pay my rent. i dont know what to do. I have reached out on social media. I have called the corporate office. I have small children and have no money to feed my children. My checks are bouncing because my money is stuck in limbo somewhere. but Wells Fargo will not do anything about giving my money back to me.
Product: Credit card

I was notified by my credit card company on XX/XX/2023 of a possible fraudulent purchase I confirmed it was fraudulent they shut my card off. Two days later XX/XX/XXXX a charged appeared on my account that I did not recognize, I called about it both charges were looked into by credit card fraud security and the charges were reversed. I did not notice any further activity until my XXXX statement arrived and a third fraudulent charge appeared, this charge was the highest one of the three. The third charge also had a transaction date of XX/XX/2023. I reported the third charge and after two and a half weeks I was informed I was responsible for the charge. While on the phone with the fraud investigator he was not aware of the XXXX fraudulent charges before this one. I felt my case was not properly investigated.they did contact the vender about the charge and they apparently felt the charge was not fraudulent. The vender is a XXXX airline and is very difficult to contact.
Product: Checking or savings account

Ive been a good customer of Huntington bank for over a year now, rarely have I ever been in the red with them, and I got slapped with a {$150.00} dollar overdraft fee because I booked a hotel and didnt put money in until a couple hours after my 24 hour grace period. Now my account is negative - {$370.00}. I am about to go out of town on business and this cuts into my funds and this is the only bank account I currently have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Trans union on XX/X/2017 due to the 2 separate glitches they had removing credit inquiries from my credit report and the credit inquiries appearing again after the glitches were recognized. I was not notified of the reappearance and spoke with XXXX at XXXX and XXXX from Pennsylvania at XXXX on XX/XX/2017
Product: Vehicle loan or lease

On XX/XX/XXXX I paid my auto loan in full {$10000.00} only only for the status to reflect charge off collection on my credit report. I have called multiple times and faxed over letters disputing the information only for it go no where and be denied. I had fell on hard times in XXXX that was the reason for the behind payments but XXXX I made a regular monthly payment in XXXX and then the full balance in XXXX. I spoke with XXXX from capital one last week only for her to tell me that the status is incorrect and she advised me to fax over another letter asking for the status to be updated which I have done again. I fell on hard times but I made. All.my wrongs right by paying what I owed and not doing a settlement. I am trying to get another vehicle and can not because of the status of this account. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate information : 1. The inquiry was not authorized BARCLAYS BANK DELAWARE Inquiry Date : XX/XX/2024 Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXX Inquiry Date : XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX  XXXX XXXX   Last reported XX/XX/XXXXXXXX  {$620.00} Open balance XXXX XXXX  Last reported XX/XX/XXXXXXXX  {$620.00} Open XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX - XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX XXXX  - XXXX XXXX  XXXX   XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting

I 'm trying to obtain employment I have XXXX inquiries on my credit report do to fraud Trans union refuse to help a victim of Identity theft they keep giving me the runaround please help me they can remove them they just refuse too
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with XXXX to properly report payments made to The XXXX XXXX XXXX. I provided receipts for all of the payments I made each month. I also contacted the law firm the same day I filed the dispute to request that they contact the credit bureaus and accurately report the original amount I owed which was {$6900.00} from a car loan debt I co-signed for that my daughter defaulted on. I requested that payments I had been making would be reflected on the report which they said they would take care of. I have been paying the creditor {$200.00} a month since XX/XX/XXXX and this was not reflected in the law firm 's nor XXXX 's reporting of the debt. On XX/XX/XXXX I was notified by XXXX the dispute had been resolved. A report was generated on XX/XX/XXXX claiming the information reported was verified with the creditor and updated. However, the balance being reflected as of today is still inaccurate, showing a total owed of {$11000.00} which is a far cry from {$6900.00} and the amount I agreed to repay. Also, the {$200.00} payments I have made still aren't reported as paid each month. In fact it shows a recent payment of {$200.00} but the balance hasn't been reduced by the amount I've paid so far as it still shows the original balance owed which is inaccurate. Today I attempted to file another dispute with XXXX because the account is showing past due as of XX/XX/XXXX which is also inaccurate. XXXX will not allow me to file another dispute for the same issue they are claiming is verified and resolved. Please help!
Product: Credit reporting or other personal consumer reports

Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED EACH OF THESE COMPANYS AND TOLD THEM THESE CREDIT INQUIRYS ARE NOT MINE I DO NOT HAVE ANY MORTAGE ON ANY OF MY ACCOUNTS PLEASE I WANT THESE REMOVED AT ONCE
Product: Credit card

Chase blocked access to my online account statements, failed to email or provide paper copies of my account statement, created a situation that made it impossible for me to pay them, then improperly reported a past due account to credit agencies, greatly damaging my credit score and causing me irreparable harm.

Background : I have had a credit card with Chase since XXXX and have a history of timely payments. For years I was able to log into my online banking account ( https : //www.chase.com ), see my statement balance, and make payment. 

This changed in XXXX of XXXX, when Chase blocked access to my online statements by introducing a new Digital Service Agreement paywall that would force me to agree to accept marketing materials and unsolicited communications regarding benefits and features in order to access my statements. I have no interest in receiving marketing materials from Chase and believe that as a paying customer I have the right to access my online statements without agreeing to be be marketed to, so in XXXX of XXXX I reached out to their Privacy Office at XXXX, but did not receive a response. It is also around this time that I stopped receiving email statements from Chase, even though I am subscribed to receive email statements every month. 

The only communication I received from Chase between XX/XX/XXXX and XX/XX/XXXX was on XX/XX/XXXX, when I finally received an email statement with my account balance and a due date of XX/XX/XXXX. I called on XX/XX/XXXX to arrange payment and paid the outstanding balance from an external checking account ( since XXXX still cant access my online account due to paywall ), but even after acknowledging that this was Chases error on the recorded line, they refused to remove the derogatory mark from my account. 

In summary, between XX/XX/XXXX and XX/XX/XXXX Chase blocked me from online access to my statements, then failed to send me email statements, and despite knowing that I did not have access to my online statements, did not engage in any mitigating practices such as calling me, texting me, sending me paper statements, or sending me paper notices, therefore making it impossible for me to see my statement balance or make payment. To add insult to injury, they have refused to remove the derogatory marks from my credit report, even after acknowledging on the recorded line that they had no explanation for why no attempts were made to contact me with statement information.
Product: Student loan

I have a private student loaned serviced by the American Education Services ( AES ). Although this company has my most current contact information, they have been calling my references and discussing my student loan information with them. Specifically, they have harassed my father and disclosed information about my loan, even though he is not a signer on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and the bankruptcy listed is not mine identified as such on my credit report