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

CFPB I am filing this complaint because Experian credit bureau filed a dispute on the wrong account twice. On XX/XX/XXXX I sent Experian a dispute for XXXX XXXX Account number XXXX asking for verifiable proof a request to disclose all information about this account of course they didn't comply. Upon checking my online credit report which is Experian Credit monitoring I noticed that the remarks never changed that the account is being disputed. But I did notice that my positive account with XXXX XXXX changed in the remarks that the account is being disputed. A few days later I received a letter from XXXX XXXX stating that they couldn't understand what the credit bureau was trying to dispute of course cause I wasn't disputing that account. On XX/XX/XXXX I sent Experian another dispute for this XXXX XXXX account and I made it clear that I was disputing XXXX XXXX account XXXX and Date opened XXXX of XXXX. Some how Experian does the same thing and disputed my positive account again instead and these accounts was opened on different years. In the letter I clearly wrote I am disputing the XXXX  XXXX account that was open on XXXX of XXXX. A few days ago I received another letter from XXXX  XXXX stating that they couldn't understand the information that the credit bureau sent of the dispute. I have copies of these letters from XXXX XXXX and I also have the last dispute letter where I clearly wrote I was disputing the XXXX  XXXX XXXX account that was open XXXX of XXXX these accounts was opened different years so Experian should of knew what account I was disputing. I called XXXX XXXX and they stated this disputed account was sent from a automated system which is probably the reason why Experian is disputing the wrong account. Experian is also showing incomplete account numbers which is also why they keep disputing the wrong account. Under the Fair Credit reporting Act I thought a credit bureau was supposed to verify these by the original documentation that the creditor send when they pay for the bureau services.
Product: Payday loan, title loan, or personal loan

I received a solicitation in the mail and online stating I was approved for personal loan. I went to the bank to apply and after a few days I was declined. I would have never applied had I not been told I was already approved
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ).

I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION.

FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

INQUIRY 1. XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX. Transactions are not to be shared with any XXXX party without proof that an opt out of reporting was given to me the consumer. I did not receive any opt out information. Best Egg illegally put a late payment on my credit files.
Product: Debt collection

Company : Foursight Capital Auto Purchase XX/XX/XXXX Auto Repossessed XX/XX/XXXX Payments began XX/XX/XXXX and occured XX/XX/XXXX, XX/XX/XXXX late, XX/XX/XXXX late, XX/XX/XXXX communicated difficulty, arranged for payments, then made 5 consecutive payments XX/XX/XXXX, another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The car was still repossessed on XX/XX/XXXX after five payments and I was not informed or communicated with that it was going to be repossessed, I thought I was satisfactorily catching up ) The repossessor came on my dad 's property after my dad told him he was to get off the property and subsequently told my dad by threat of a physical fight ( intimidation and bullying, Fair Debt violation ) that he was not leaving without my car, all after I was not informed ( debt parking, violation Fair Debt Collection, Dodd Frank ) that the vehicle was going to be repossessed. A reasonable person would have thought that after. A conversation about catching up and making five subsequent full monthly payments with no communication otherwise that I was not at risk of losing the vehicle. Moreover it happened with threats and coercion while trespassing at night in the cold. Now there was communication that the vehicle sold at auction XX/XX/XXXX but nothing after that. Now nearly XXXX years after the signed promissory not and only the communication stated above i was served papers to be in court. I called to try to work something out and no one returned my call. I think that violations have occurred and that my debt should be reconsidered since I have been harmed ever since credit wise. I could have continued to catch up ony payments but they didn't allow me the chance. I am a XXXX  mother of three with no child support and this has been detrimental. I can not get an auto loan at a reasonable rate and it has unduly affected my credit, my children 's well being and mine. I want this handled.
Product: Credit reporting or other personal consumer reports

Under the doctrine Estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted EQUIFAX, XXXX, AND XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent EQUIFAX, XXXX, AND XXXX a certified letter via XXXX to validate these accounts as asking to send original documents and a host of other things. The accounts that do not belong to me are : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not received any of the documents I requested. I have an account on my credit reports that does not belong to me. I asked to remove EQUIFAX, XXXX, AND XXXX the unvalidated information and nothing was done. I have the receipt that I sent the letter via XXXX certified. Removing these accounts from all three credit bureaus ( XXXX, XXXX, equifax ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. These fraudulent accounts is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay EQUIFAX, XXXX, AND XXXX and the collection agencies could not provide that information. E-Oscar is not debt validation! I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe! You can not because this is not my debt nor do I owe anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEEED ORGINALS WITH MY SIGNATURE FROM THESE ACCOUNTS ABOVE.
Product: Checking or savings account

On XX/XX/XXXX I called the Customer service : XXXX of The Bank of America. The person on the phone introduced herself as XXXX from Alabama. I requested to her the closing of my checking account XXXX XXXX XXXX. 

On XX/XX/XXXX I received an email verifying the closing of the account. But as of today ( 10 days after my call ) I have not received yet the check with the balance of my account at closing ( {$360.00} ) I called them again 3 days ago and asked for an update and they said that the check is in the mail and it 's their company 's policy to take so long ( up to 10 business days ).
Product: Credit reporting or other personal consumer reports

Fraudulent activity. I have contacted this company, sent letters, and disputed the items through the credit bureaus. I have asked this company to provide me with evidence that this account belongs to me and the information was never received. I believe this is fraudulent activity and would like these accounts removed from my credit report. They are really hurting my ability to obtain credit. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 16815-2 ( 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: Debt collection

I have contacted EOS CCA about an account I described to them as a fraudulent account. Ive requested for verifiable proof or the debt be removed from my credit report and I stop being contacted. The company responded with a request to fill out an affidavit with a police report in which I have attempted to and was looked at and spoken to as if I were in the wrong and therefore not receiving a report.
Product: Student loan

I received a called from The CBE GROUP INC in XXXX XXXX regarding a Financial Aid from XXXX XXXX. I did not know I had a balance because the Money was free for the classes I took. But the school said i was not in the other classes so that is why they were asking for the balance money. When I spoke to THE CBE GROUP INC, they said if i paid in full, they will Delete it from my Credit History. I paid off the account in full in XXXX XXXX. That is still showing on my credit history. I asking THE CBE GROUP INC and XXXX XXXX to please delete the negative from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Transunion and XXXX via phone dispute, online an mail regarding XXXX XXXX XXXX XXXX. They are reporting me as being late XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I have NEVER been late. This is a closed account that was paid in full and NEVER late. I asked for it to be DELETED or REMOVE all of the above inaccurate reporting. They are in violation of US Code 1681. They would return my request stating it is verified. I told them to show me verification which they could not because I was never late. Also Transunion will not remove XXXX XXXX from my credit inquiry. I don't have an account I have never applied.Please remove.
Product: Money transfer, virtual currency, or money service

I dont remember the transaction dates, my account with XXXX is closed so I can not access the transactions anymore. There was occurrences on 3 occasions where I sent money through Zelle and got a confirmation but the person that I sent money to never received the money the amount totaled over {$3000.00}. No actions were taken by the company because they stated that I initiated the transaction and authorized it so there was nothing they could do.
Product: Credit card

American Express has advised the XXXX XXXX XXXX that I have unclaimed property under my name for American Express prepaid cards under my name by will not provide the value on the cards to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a judgment on my account from XXXX XXXX XXXX that was removed because of the insufficient identifying information that is required for the account to be reported on my credit report per the new law change effective XXXX XXXX, 2017. They had this judgment twice on my credit report. As a judgment AND an account ( in which it was only a judgment ). This judgment that is currently being reported improperly needs to be removed immediately off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  stated that I had auto loans with them and a credit card, pulled my credit and sure enough there they were. I was informed to attach my Sheriffs Report to this complaint and the Credit Reporting Agencies will removed the Fraudulent Accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - CREDIT CARD
Product: Debt collection

NCB Management Services , Inc, account number XXXX, This account is being illegally reported to my credit report according to the FCRA, this is a third party company that I do not have any contract or business with. My information was sold to this company violating my consumer rights law 15 United States Code 1681 ( B-2 ), & 15 United States Code 6802 ( B-1 ). This company is knowingly committing consumer reporting fraud. This company passed the statute to respond back to me and havent updated any reports to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Product: Checking or savings account

I wish to file a complaint on Capital One bank. They are investigating a couple of wires I received because they wrongly believe them to be fraudulent and they are withholding my funds and have blacklisted me on XXXX blocking me from opening an account with any other bank. 

The details of the wires are as follows. My girlfriend, who is working overseas, has a son who is seriously ill in a hospital near XXXX. She was having problems paying the doctor directly so she asked me if I would accept the wires and forward the funds to this doctor. Of course considering her sons health is at stake. I agreed. She first sent me a {$4900.00} wire on XX/XX/2022 to pay the doctor for treatment as needed. 

Capital One made those funds available to me for use. Now since the general rule of banking is once a wire has been accepted by a bank and the funds are debited in an accountholder account, those funds are available for immediate use. So I forwarded a portion of those funds to the doctor. A second wire of {$7600.00} was then sent on XX/XX/XXXX, again accepted by Capital One and deposited into my account for use. Again believing those funds were available for use, I forwarded some of those funds to the doctor on XX/XX/XXXX. Then out of the blue, on XX/XX/XXXX, Capital One reversed the second wire transfer to the doctor, locked my accounts preventing me from having access my money in any account, and actually sent back to funds from the second wire to my girlfriend! I mean what bank does that? I called them to find out what was going on, and they explained they were investigating the wires and believed I was the victim of a scam. Now I am a customer or Capital One, and a bank responsibility is to protect their customers. Now what bank believes their customer is the victim of a scam, yet returns the wired funds to the SCAMMER. By doing so they have created a NEGATIVE {$5100.00} balance in one of my accounts and they are actually demanding I send them funds to bring it up to XXXX. I have two accounts at Capital One. The one that now has a negative {$5100.00} balance due to them returning the {$7600.00} wire to the sender, and a second account that has a positive {$6100.00} balance. But they refuse me access to the account with funds so I can cover the negative balance in the other account
Product: Debt collection

I have a collection on my account that was my father and my daughters shared account that was not paid and was put on my report as a collection. It should not be on my credit report as it was not my account. Please assist me in helping this to get removed from my credit report as i have disputed but not recieved notice in a timely manner or evidence of my signatures or documents like I've requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a dispute to remove several incorrect tradelines with XXXX. XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX in the amount of {$200.00} to settle the account. The confirmation e-mail I received clearly states that the amount settles my balance. Yet, Capital One is reporting I still have a balance of {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many student loans and an acct on my credit report that Do not belong to me I have not applied for these I have not signed for these or applied for these!!!! I have sent multiple letters to bureaus and furnishers but have not received anything back. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that XXXX XXXX XXXX remove and delete this fraudulent account because used my personal information to open this account without my permission. My rights have been violated by XXXX XXXX XXXX. Please remove this fraudulent account immediately from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXXvestigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not and should not be reporting.
Product: Credit card

In XXXX 2016, my identity was stolen. A Capitol One credit card was opened in my name and sent to my old address of 20 years ago. Capitol One was alerted and was supposed to take the hard credit inquiry off my report and cancel the credit card. A letter dated XXXX XXXX, 2016 stated that they would remove this account. When the hard credit report was not removed as of XXXX XXXX, I called and got the run around. They said it would be taken off in 60-90 days. I called again XXXX XXXX as it was still not off. Again, was told 60-90 days. I believe the law states 30 days to remove unauthorized inquiries. They also did not have my permission for the inquiry. As of XXXX XXXX, 2016, the hard credit inquiry is still on my credit report. I also feel Capitol One was negligent in opening the account to begin with as I already had a Capitol One account with my current address in Georgia. This should have been a red flag and I should have been contacted by the fraud department before it was issued. If I had lost my card, they would not send it to a different address. Capitol One has not been very helpful in resolving this issue, so am contacting you in hopes of having the unauthorized hard credit check removed from my credit reports. It is currently on all the reports. A fraud file was opened at the XXXX County Sheriff 's department. A freeze and fraud alert was put on all my credit accounts. I was the one that caught the fraud and not Capitol One.