23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have almost 30 fraudulent inquiries on my report and a collection account that is fraudulent. I have disputed this THREE times with Equifax and they refuse to remove the fraudulent information. The collection agency completed their investigation and determined FRAUD and asked Equifax to remove it, yet it is still there. Everytime I call they tell me something different and this is seriously preventing me from obtaining credit ( home mortgage ).
Product: Credit reporting or other personal consumer reports

I Received a Capital one Business Line of Credit for {$3000.00} ( XXXX, XXXX ) in good faith of expanding my small business and ended with damage to my reputation. In XXXX of XXXX Capital one Made numerous collection attempts and had communication with me through Fraud Mail, Mobile App, My Consumer Report ext. As well as using fees to say I owe alleged debt of ( {$3700.00} ). XX/XX/XXXXXXXX  I notified them of there false representation and Defamation of my character and didn't receive correspondence until XX/XX/XXXXXXXX  resulting in the account being Closed/Charge off. XX/XX/XXXXXXXX  I continued disputing validity of the report showing there clear violations of ( FCRA & FDCPA ) and that they were to cease and desist also requesting 1099c and received no correspondence. It is XX/XX/XXXXXXXX  and Capital still is furnishing inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of multiple accounts on my credit file. 
Upon thorough review, I have identified numerous violations of XXXX XXXX guidelines and the Fair Credit Reporting Act ( FCRA ) across the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The identified violations are outlined below for each account, and I demand immediate investigation and rectification of these issues. 
Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Violations Identified : 1. Late Payment Inconsistencies : The account reports conflicting 30, 60, 90, and 120-day late statuses without supporting payment data, violating FCRA Section 607 ( b ) ( accuracy requirement ). 
2. High Balance vs. Past Due Discrepancy : The high balance of {$3300.00} is reported without corresponding past due amounts, creating misleading and incomplete information. 
3. Missing Closure Date : Despite reporting severe delinquency, the account lacks clarity on whether it is active or closed, violating XXXX XXXX closure reporting requirements. 
4. Incomplete Reporting : Critical fields ( e.g., last payment date, payment frequency, term length ) are blank, breaching XXXX XXXX completeness standards. 
Account XXXX : XXXX Account Number : XXXX Violations Identified : 1. Erroneous Payment History : Payment history reflects 30, 60, and 90-day late payments without corresponding dates or amounts, violating XXXX XXXXXXXX accuracy guidelines. 
2. Conflicting Closure InformatioXXXX : The closure date of XX/XX/2024 conflicts with reports of recent late payments, creating inconsistency. 
3. Misclassification : The account type " Miscellaneous Home Furnishings '' is mismatched with the revolving credit structure, breaching XXXX XXXX classification rules. 
4. Incomplete Fields : Numerous missing data fields in XXXX reporting violate XXXX XXXX completeness standards. 
Account XXXX : XXXX Account XXXX : XXXX Violations Identified : 1. Inconsistent Reporting Across Bureaus : Payment history, balances, and account statuses differ significantly between XXXX, XXXX, and TransUnion, violating XXXX XXXX uniformity principles. 
2. Erroneous Late Payment Data : Reports of late payments ( 30, 60, and 90 days ) lack corresponding past due amounts or dates, creating misleading information. 
3. Dispute Resolution Misreporting : The account is marked as Dispute Resolved, yet I have received no investigation results, violating FCRA Section 611. 
4. Payment Frequency Mismatch : The payment structure is inconsistent with the account type ( credit card ), breaching XXXX XXXX reporting standards.
Product: Credit card or prepaid card

Capital One has continuously charged " Past Due Fees '' of {$40.00} per month, with XXXX being {$30.00} in addition to the interest accrued to the principle balance, and the additional fees which themselves work to exponentially increase the total balance due. I have throughout my financial hardship been in close contact with Capital One to communicate to them the financial hardship I was facing, and received assurance from them that they would " work with me '' but the fact is, all they have done is worked me over. I am in the position to begin making small payments to settle my debt with Capital One, but there is no reasoning with them to remove the fees, of which I refuse to pay for. They have done considerable damage to my credit report despite their friendly appearing and sounding programs to help clients facing financial hardship. All they have done is predatorily sought ways to capitalize further on my hardship. They refuse to settle the account for any amount and are unreasonable to deal with, often their customer service does not even understand my requests because of their tendency to offshore their customer service. 
Past Due Fees : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$40.00} This is not the total of damages, but it is the total scope of record their interface allows me to access. I have been in a financial hardship since XXXX XXXX XXXX. I am a XXXX veteran, and sole provider to a wife and XXXX children. I am going to school full-time through the VA 's XXXX & XXXX program to provide a better life for my family upon the completion of my education, and hopefully during it's pursuance as well. 
The total interest charged during this time is in excess of {$270.00} with a current total balance owed of XXXX for a card which has an available credit limit of {$400.00} to give perspective to the total additional charges to the principal debt 's balance of {$400.00}, being that there is additional charges of {$730.00} I hope that this speaks volumes to the reader. Despite my constant communication with Capital One I have been treated like a rotted carcass by Capital One who is a vulture.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank XXXX - acct # XXXX Opened XXXX -- -- reporting time has expired XXXX XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired US Bank - acct # XXXX Opened XXXX -- - reporting time has expired XXXX XXXX - acct # XXXX Opened XXXX -- have never been late XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired, this is not my account, i do not have any children and they have failed to validate this account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy.

US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Product: Credit card or prepaid card

Date : XX/XX/19 ( First contacted them ) Company : XXXX Phone # XXXX Amount : {$500.00} x 2= {$1000.00} I was given 4 gift card, {$500.00} each as my birthday gift XX/XX/19. I found out two out of 4 were registered and used in NV before I open the wrapper.The gift cards were purchased from XXXX XXXX XXXX, CA. I couldn't get the receipt and I was able to get the credit card statement to prove the purchase. I faxed over the two gift card copy, both front and back, a long with my Drivers license and the credit card statement to prove the ownership XX/XX/XXXX, I have been calling the customer service for a week, nobody could help me.
Product: Vehicle loan or lease

I spoke with XXXX at XXXX and was told this was not possible until I paid the balance of the other loans in full. I was hospitalized and was unable to conduct my own banking. During this time, my mother who has power of attorney was paying the bills ; however, she was unaware of a {$500.00} payday loan through North Carolina State Employees Credit Union ( ncsecu ). The account was closed, and she was unable to make payments traditionally, and when she finally figured out how to pay the car loan, the other loans were charged off. Now, it has been relayed that the title can not be sent despite being told that it would be mailed, and it is being held as a means to collect a debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went on a run and lost my phone which has my bank account app on it, which in turn has XXXX built into the bank app. I was able to retrieve my phone on XX/XX/XXXX, however, I found someone had authorized a XXXX transaction on XX/XX/XXXX within my bank app of {$360.00}. The payment was sent to an email that I have tried to contact with no response. I filed a complaint with my bank and have been denied. This was not an authorized transaction whatsoever and would appreciate my money back. XXXX is a great tool for family and friends, but unfortunately, I have now learned it's a great tool for thieves as well.
Product: Credit reporting or other personal consumer reports

The name on the account is incorrect. I have tried to fix the issue with the company or to see when this account was opened, but I have not been successful. I request my account be deleted and updated on all 3 credit bureaus, since it is not me and the has false information is negatively impacting my credit score.
Product: Mortgage

My home loan was formerly with Ocwen, however on XX/XX/19 PHH Mortgage services took over the loan. on XX/XX/19 i submitted a payment in the amout of {$1800.00} that was a direct withdraw from my checking account and PHH rejected the payment, they sent a check to me in the mail that was made out to them with my property address on the check with no explanation as to what the fake looking check was, I contacted PHH and was told that the payment went to " the wrong mailing address '' and could not get an answer as to why my payment was rejected. On, XX/XX/19 I then scheduled another withdraw from my account that was rejected again. i again called PHH and was told to send the payment by paper check to XXXX, PA so on XX/XX/19 i sent a paper check for {$1400.00} and it too was sent back to me with the reason being that it was not enough to cover the whole payment which by this point is now several months behind. I made another call to PHH on XX/XX/19 and was told that a packed would be sent to me in the mail for a possibility of a loan modification, due to the fact that i was on medical leave and was off of work without pay for 5 weeks. i am now back to work full time, explained that to the gentleman on the phone who asked several financial questions and stated that we did qualify for the modification and we still have not received anything in the mail. I am very upset with the thoughts that I could be facing foreclosure when I have made efforts to pay my mortgage.
Product: Checking or savings account

Last XXXX i filed claims of fraudulent and unauthorized activity on my XXXX B of A account The bank reconsidered in my favor and awarded me over {$18000.00} dollars They have yet to pay me what i asked for, which im rightfully due. After hundreds of attempts i am writing a complaint because im being XXXX and XXXX  by Bank of America. I need help retrieving my funds that I deserve
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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

Equifax has the wrong info. On me and if they are saying that I have a mortgage loan and I have never tooken out one in my name and also retail credit card account and that is also not true so Equifax won't give me a free credit report from so that I can see what's happening with my credit accounts and I am also a victim of their recent data breach so I'm a victim of possible indenty thieft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. Given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account from my XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reports a past due account as follows : XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} Date Updated :XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : > I have reported to Transunion that I do not recognize this firm, account, or amount at all and that it must be mistaken or fraudulen.I have never been contacted by this firm to my knowledge. Transunion has declined to take any action or even to acknowledge my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX XXXX XXXXt and requested debt validation showing I opened this account with them and owed the balance. I have NEVER had A XXXX XXXXk account and was A victim of identity theft. The company responded and said they can not provide me with A signed contract with my signature agreeing to this debt nor could they provide me A copy of my drivers license as proof I was the person whom opened his account. I then submitted an online dispute with all three consumer reporting agencies as they are reporting inaccurate fraudulent information. XXXX successful deleted * XXXX * Equifax both updated the account as valid. They have provided no proof of this credit account belonging to me. Instead they sent statements that where mailed out. Per federal guidelines sending mailed statements is not proof that I ( XXXX XXXX ) opened this account and requested this credit. Due to this company fail attempt to verify this debt is indeed mine I am requesting the comsumer reporting agencies remove ALL XXXX XXXX XXXX accounts that are reporting. Again, I have NEVER had an account with them and they are showing multple times on my report. Please have this removed and send an updated copy of my consumer report. They wont be able to provide such details because I have never had an account with XXXX also known asXXXX.I have requested A signed contract with my signature and or driver 's license and the company has failed to.provie this information is accurate. This is A direct violation of federal guidelines.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XX/XX/XXXXDate of Inquiry XX/XX/year>, XX/XX/XXXXDate of Inquiry XX/XX/year>, XX/XX/XXXXDate of Inquiry XX/XX/year>, XX/XX/XXXXDate of Inquiry XX/XX/year>, XX/XX/XXXXDate of Inquiry XX/XX/year>, XXXX XX/XX/XXXXDate of Inquiry XX/XX/year>, XX/XX/XXXXDate of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XX/XX/XXXXDate of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone opened a credit card in my name and provided an old address that I haven't lived at since 2019. My identity was stolen and when I disputed the card they stated it was correct. I have since filed a police report and contacted the fraud department for the credit card. The card was shut down and the credit card company is launching it's own investigation. Experian didn't try to investigate if it was an erroneous account or not. My address shows on the credit report it was changed the same time the card was open.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to closed complaint # XXXX filed against TransUnion on XX/XX/XXXX. In their response TransUnion stated that, '' The complaint does not belong to them and that the complaint appears to be a duplicate complaint. '' I have unsuccessfully attempted to get false reporting from XXXX XXXX removed from my TransUnion credit report. In my complaint filed on XX/XX/XXXX I gave proof that my account being reported to TransUnion by XXXX XXXX was paid in full with my auto insurance in XX/XX/XXXX. 

In accordance with FCRA it is unlawful for credit reporting agencies to knowingly report false, misleading, or unverifiable information. As of XX/XX/XXXX TransUnion is listing my account reported to them by XXXX XXXX as an UNPAID COLLECTION ACCOUNT. My account with XXXX XXXX was paid in full with my auto insurance in XX/XX/XXXX. 

TranUnion had an legal responsibility to update my account to closed with a XXXX  balance after they received the letter from XXXX XXXX. The letter from XXXX XXXX dated XXXX/XXXX/XXXX states that, '' XXXX XXXX has submitted a request to update your credit reporting to reflect the account as closed with a XXXX  balance. '' This letter was submitted with complaint # XXXX filed against TransUnion through CFPB on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I have sent certified letters to XXXX, Experian and XXXX regarding my bankruptcy information which was obtained from the XXXX XXXX  XXXX that has violated federal and New Jersey privacy laws. I have obtained a copy of my credit report that clearly shows that all three credit bureaus have different information and different filing dates. I have received correspondence from The XXXX XXXX  XXXX that they do not report or provide information to credit bureaus or agencies. I have sent to the 3 Credit Bureaus an Affidavit of Fact that my private court records have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a online transfer to my account and it did not reflect to my credit card account ( BANK ERROR ). 

I received a phone call and was made aware that my account was past due and immediately made arrangements to bring account up to date, after already making a transfer online that should've taken care of account but did not ( BANK ERROR ). 

I have formally submitted my complaint and the " BANK ERROR '' issue was never addressed after two formal complaints were submitted. 

Please remove derogatory remark, due to " BANK ERROR '' ( online banking ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try to get my free credit report from XXXX and Transunion but I haven't been able to, I have sent my identification and proof of residency but I have had no answer fronm them, A copy of my ID is attach to this complaint so they can issue copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit ReportingAct. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}