23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Capital One regarding my credit card account, which has been reported as charged-off with a derogatory status. I believe this reporting is unfair and inaccurate based on the following concerns : 1. Incorrect Balance and Over-the-Limit Reporting : My account had a credit limit of {$300.00}, yet Capital One is reporting a balance of {$410.00}, which is 137 % of my limit.

This suggests Capital One continued adding fees or interest after account closure, which may violate fair lending practices.

2. Unclear or Unjustified Charge-off : The account was reported as charged-off on XX/XX/year>. However, there was no proper notification or opportunity to resolve the balance before it was written off. 
The charge-off has severely impacted my credit score, making it difficult for me to obtain financial services.

3. Inconsistent Payment History Reporting : My payment history indicates 77 % on-time payments, yet the account was closed with a charge-off.

I attempted to resolve disputes with Capital One, but they have failed to provide clear explanations or correct any errors.

4. Dispute Mishandling : The remarks section states : Dispute resolved reported by grantor, yet I was not provided with any documentation proving the legitimacy of the balance or charge-off decision. 
Capital One closed my account without properly addressing my concerns, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act.
Product: Checking or savings account

TSYS Im led to believe is responsible for my accounts being put into the negatives Ive contacted them and they said they dont know why I would be seeing any charge from them. Ive be searching every where to let this be known. Im not sure if there was a data breach or what but my money has been took also my moms accounts
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report and referenced in CFPB Complaint ID XXXX, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Equifax has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Experian refusing to delete. There response is Enclosed in dispute verified and updated statue of limitation XXXX think we are past that month .that tells me they did not investigate this account, 15USC1692,15USC1692c, 15USC1681,15USC1681i 7-6 all are violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$21000.00}
Product: Debt collection

Upon checking my credit report I noticed some accounts on there that I did authorize.
Product: Debt collection

On XX/XX/year>. The debt collection company called my Employer, Mother, Father, and sister. They also called me. They called my previous employer. Violation XXXX. Debt collector stated social security on phone to me. How were they sure it was actually me? They called my sister at XXXX. Waking my sister up from sleep. Debt collector claimed it did not matter since they were in est time zone. Sister is in hst time zone. Supervisor on phone was very hostile and hung up phone before my sister could tell her about how to contact me. Violation two. Sister found out they were a debt collector trying to reach me to pay debt via the second phone call. Violation three. Debt collector was hostile enough to cause me a mental health episode that almost required emergency care. Debt collector should not have called my family stating they are trying to reach me about an imperative matter. This made every individual that they called think I was in danger or injuredXXXX XXXX have you listed as a possible associate for a XXXX XXXX XXXX my office is handling a matter regarding XXXX and it is imperative that I do speak with her today I was unable to reach XXXX XXXX this morning Due to all of this we need to reach a resolution. I am on full XXXX. I do not need to be contacted about this. What occurred was not ok and was not legal. All actions will be taken so the individuals will be held responsible if full resolution does not occur.
Product: Credit reporting or other personal consumer reports

I ASKED THEM TO REMOVE THEM FROM MY CREDIT REPORT BUT THEY DIDN'T SO THAT IS WHY I AM HERE FOR YOUR HELP
Product: Credit reporting

Bought a XXXX from XXXX which they, I, financed through XXXX XXXX. It was a installment sales contract. But on all XXXX credit reports it is listed as a revolving account and an installment sales contract. XXXX is the only one that lists it a installment sales contract. The other XXXX companies and hy cite refuse to alter the info because it is listed as a positive account, paid in full and never late. An installment sales contract would make it a mixed credit report and would raise my score from C to an B. When applying for a loan it was XXXX of the reasons listed for denying the loan. Also XXXX a utility company should be listed as a sales, as I pay month to month and not under contact. If I had bought a car or boat this is where it would be located under sale account.
Product: Credit reporting or other personal consumer reports

I was in the process of checking my credit report and notcied an account in collections under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize this account to be opened and did not even know it existed now it is in collections beacuse someone fraudulently opened this account under my name without me knowing. The account in question is XXXX XXXX for the amount of {$1000.00} the date they opened the account is XX/XX/2023. I have also already obtained an FTC report for Identiy Theft.
Product: Debt collection

This dispute involves one company, four separate incidents, four separate dates and four separate amounts. The charges that are being made are the result of medical incidents that were generated as the result of Emergency medical treatment that was covered through the Veterans Administration covering the costs but not to the amount they billed for. As a result they came after me, threatening to destroy my credit and seize assets to cover my debt. Prior to this my credit was impeccable, with a running credit score of 0ver XXXX pts. Now... just over XXXX pts. Other than these four false accusations, my credit was spotless. 

THIS AIN'T RIGHT! AS A VETERAN AND BEING TAKEN ADVANTAGE OF LIKE THIS BECAUSE OF A MEDICAL EMERGENCY IS JUST WRONG ON SO MANY LEVELS. JUST TO BE CLEAR, I HAVE NO INTENTION OF PAYING THIS
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and XXXX ) credit report. My latest credit report shows ( five hard inquiries ) credit inquiries that I did not authorize. As of XX/XX/XXXX, I had no knowledge of these unapproved attempts. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. XX/XX/XXXX I trust this matter will be resolved quickly, and I appreciate your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've handed along something that needs to be removed or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My attorney has been informed of my objectives and is willing to think that Credit Bureaus are to blame for their stubborn rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance XXXX {$240.00} ; XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you because I have tried contacting transunion about this problem continuously with not resolution so I'm hoping that with your help we can get to the bottom of the problem. My name is XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX I am contacting because transunion continues to report things on my credit report that don't belong to me. They are reporting that I lived at XXXX XXXX XXXX and I have never lived at that address that address is fraud and I want it removed off my credit report. They are also reporting wrongs balances on my credit cards all of them and I would like them all updated with correct information. Transunion also reports several phone numbers associated with me and I have had the same number for the past 15yrs which is XXXX all the other numbers are fraudulent and I want them removed off my credit report at once because they do not belong to me. Also transunion displays two different social security numbers and I have sent them copies of my social security card so that's the only social security number that should be displayed any other is fraudulent and I would like it removed at once. Also I don't want my ssn displayed on my report as I am a victim of identity theft as well as a victim of XXXX XXXX with an order of protection. I am also XXXX  so this is very stressful please help me fixed these inaccuracies in my credit report that me and my XXXX son can get to a safe place as these issues are making my credit score to low to obtain a safe place to live. My ex husband stole my identity as well as my sons and he was XXXX   back to XXXX  for this and the my neighbor XXXX XXXX   burglarized my home and I have a order of protection against him but it doesn't stop the fact that he has already gotten my information as well as my sons. Order of protection was issued by XXXX  towncourt but it didn't stop him because he violated the order so I moved to get my son to safety. I also filed a report with attorney generals office please fix my credit report so that I can get my life back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ad Astra Recovery Services violated my rights. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 & Fair Debt Collection Practices Act 15 USC 1692 Ad Astra Recovery acct # XXXX, has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

15USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that any debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1682. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

This is in regards to " BMW FINANCIAL SERVICES NA , LLC '' only. 
A complaint was filed on XX/XX/2020 ( Case XXXX ) against " BMW FINANCIAL SERVICES NA , LLC '' along with " XXXX XXXX XXXX XXXX, XXXX dba XXXX XXXX '' " BMW FINANCIAL SERVICES NA , LLC '' was served on XX/XX/2020. 
" BMW FINANCIAL SERVICES NA , LLC '' retained attorney " XXXX XXXX XXXX '' or " XXXX '' who is the owner of " XXXX XXXX XXXX '' Law firm. 
On XX/XX/2020 XXXX contacted me and left me a voicemail. 
Since the beginning XXXX is trying to confuse me and thinking she is an owner of a Law firm so she knows it all and I was born yesterday. 
When she contacted me on XX/XX/2020 she away told me to dismiss the case, but one needs to have a common sense that I prepared a case, filed it and then served it, took all the pains, not to dismiss it. 
XXXX is trying to be over smart, she behaves naive at lot of times as if she doesn't know anything and then other times she behaves as if I was born yesterday and doesn't know anything. 
On XX/XX/2020 she offered me {$2000.00} to settle the case and on XX/XX/2020 I agreed to that amount. 
After I agreed to that amount, XXXX stepped back and saying that her client is not agreeing to the amount and specially after the arbitration hearing. 
Now the arbitration hearing was pertaining to " XXXX XXXX XXXX XXXX, XXXX dba XXXX XXXX '' or XXXX, what is " '' BMW FINANCIAL SERVICES NA , LLC '' s business in that? 
Who XXXX is trying to make a fool of? To me or herself? 
I had a arbitration agreement with XXXX not with " '' BMW FINANCIAL SERVICES NA , LLC '' I would request the court to please ask XXXX of stop making a fool of me and speak to me directly and rationally about the matter. If she is an attorney doesn't mean other people are fool. 
She was the one who asked from the court not to include " BMW FINANCIAL SERVICES NA , LLC '' or " XXXX XXXX '' in Arbitration as " XXXX XXXX '' finds arbitration to be too expensive and difficult of a process. After she asked the court not to include " '' XXXX XXXX '' in arbitration, she is trying to make me a fool as if " XXXX XXXX '' is associated with XXXX in the Arbitration clause. If that is the case why XXXX doesn't ask the court for an arbitration for " '' XXXX XXXX ''? 
I also emailed XXXX on XX/XX/2020 to call me and discuss and she hasn't given me a call yet, its been 6 days. 

I want BMW FINANCIAL SERVICES NA , LLC to look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX information with the bureau and it came back verified. I reached out to the account holder and the company said they had no information or an account affiliate with the information I provided which was a copy of the credit report my drivers license and a utility bill. I asked them to provide the procedure in which you verify records with the credit bureaus. I received no response.
Product: Debt collection

We paid 1 of 2 medical bills that were sent to the XXXX XXXX collection company through their website XXXX XXXX XXXX in early XXXX 2017. The website is subpar, and gave an error upon trying to complete payment. HOWEVER, the transaction DID go through, and was immediately taken out of our account with a full transaction number. We have spent the last several months going back and forth with this company jumping through all their hoops to prove payment, to no avail. We have sent multiple emails with an attachment from our bank of proof of payment, double checking the email address and resending several times. They were even supposed to check the transaction with their accounting department and still say we did n't pay it, even when giving them the full transaction # and date. Today we have tried yet again to get them to credit the payment by sending a fax of the bank statement that shows the paid amount and transaction # and multiple emails with the bank statement attached. We 'll see if they finally credit it, but this is completely shady collection practices. If you ever have to pay a bill with them do it over the phone to save yourself this hassle.
Product: Debt collection

I disputed directly with ERC in XX/XX/2018. I received a copied bill that the dates on some pages where edited and information changed. I sent a 2nd request on XX/XX/2018 to dispute and req signed contract or judgment as the address listed in the documents was no longer my address at the time/dates listed. Address the dates were altered and not matching date/ year that's in the history. I have not received a response from ERC.. They continue to report inaccurate information in my credit report. Attempt to dispute via credit agency a s they stated I have to dispute directly with ERC.
Product: Credit reporting or other personal consumer reports

On the XXXX XXXX XXXX the below/ attached letter was sent to all credit reporting agencies.

I am writing as my final notice to XXXX XXXX EQUIFAX to remove the XXXX XXXX XXXX  Account XXXX from my Credit R

eport as the account has been closed and I am officially opting out of reporting the said account. Per the Fair Credit Reporting Act ( FCRA ), I XXXX, a Federally Protected Consumer and natural person hereby revoke Any and Every Authorization, I the consumer may have given you knowingly or unknowingly, written or unwrtten, verbal or non- verbal per 15 USC 6802.

This act is in violation of the Privacy Act of 1974 and an invasion and intrusion to my privacy.

It is a fact that no account can be reported without my consent pursuant to 16 CFR 313. 

XXXX XXXX XXXX  has affirmed their position in reporting the account closed and have reportedly opened a request with the Consumer Financial Protection Bureau ( CFPB ) for a removal from my credit report with all Credit Agencies.

In addition to violationg 15 USC 6802, this act further violates 15 USC 1681b for permissible purposes under the law and will be reported to the appropriate authorities. 

If no action is taken within XXXX banking days, this letter will be uploaded to the CFPB website as communication evidence for further investigation. 

I look forward to a positive resolution on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple written request for information regarding an account listed on my credit report for XXXX XXXX. I asked Trans Union credit agency on multiple occasions via letters to provide me the information XXXX XXXX company gave them to validate the account is mine stating I owe {$1900.00}. As of today XX/XX/2019, I have not received that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB THIS IS NOT A DUPLICATE : XXXX XXXX XXXX XXXX, over-stand me when I say this is my final order or you will be sued in Federal Court at the very second Santander dishonor this Order you will be sued for the maximum the Federal Court allow me to with prejudice!!!!!!!!!!!!!!!!!!!!!!!!! 
All persons mentioned can all be tied into Racketeering A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. As I all documentation evidence of XXXX, XXXX, Equifax Racketeering activities the CEOs and CFOs of each company mentioned shall be held accountable.
Product: Credit card or prepaid card

Goldman Sachs Apple Card charged me for repair of my XXXX claiming they did not receive my XXXX until XX/XX/2022. I have the XXXX receipt showing my XXXX was received on XX/XX/2022. I was given an extension to return my XXXX until XX/XX/2022 because I had to go out of town unexpectedly. I called and they left me on hold for over 17 minutes and 40 seconds and never came back to the phone. In New York State its legal to record a conversation in New York. New York is a one consent state when it comes to recording. XXXX told me Apple does not allow recording of a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX received electronically verification from XXXXl XXXX Credit Department on my Mastercard ending # XXXX update as my balance is at {$140.00} on XXXX XXXX. 
But XXXX, Transunion and XXXX are retaliating because of my file Federal Complaints.and they will not update my balance and credit score. 
As my credit card ratio is under 30 percent. and not 33 percent as it states on my credit reports. 
All three agencies needs to respectfully update my credit scores and credit. 
I am seeking a VA Loan and purchase in California. 

I am respectfully XXXX XXXX and XXXX and a XXXX XXXX XXXX Military Veteran.
Product: Mortgage

SLS and the foreclosure trustee is illegally foreclosing on the my property and I have an approved short sale file that SLS granted and now they have a sale date for XXXX XXXX, 2016. 
Re : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You as a trustee have committed a violation under HBOR along with SLS Mortgage under the " dual tracking '' law considering the APPROVED Short Sale that is currently active and in process. A separate complaint was file with the State Bar of California against the attorney office for conspiring to conduct this illegally foreclosure sale.
Product: Credit card or prepaid card

I started the application process through Best Buy Citibank online but did not finish or submit the application. When I arrived at the page that requested my authorization to submit the application and give Citibank permission to pull my credit I decided that I did not want to go through with the process and have the hard inquiry on my account. I did not check the boxes for authorization or click the submit button. Instead I closed the browser tab and left to do something else. 

A week later I received a letter stating that my application was being denied due to an inability to verify my address. Which is odd since I pay for the pro version of XXXX and can verify that the address for the home that I own and occupy is present on the reports for all three agencies. 

So...

1. I never gave consent for my credit to be accessed or officially submitted an application.

2. They continued without my consent or submission and pulled my credit info.

3. Their employee responsible for ID verification didn't even do their job correctly.

4. When I called in to ask about it they put me on hold without telling me what was going on and immediately started trying to process the application again without my permission. 

This is absolutely not acceptable. I doubt that I'm the first person they've done this to. It seems like their goal is just to push everything as quickly as possible without telling you what is going on. Very shady tactics.