23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Original contract terms established and signed on XX/XX/XXXX for a total finance amount of {$25000.00} with {$5000.00} rebate. Dealership representative told me that a cash down payment of {$1500.00} would be mandatory for the completion of the deal. I was also informed that I would I have to acquire my own insurance for the car before I could drive off the lot although I was charged {$2300.00} for XXXX XXXX XXXX XXXX insurance for the car. 

On XX/XX/XXXX, the car was repossessed from in front of my private residence with all my belongings in it by a third party totaling a loss of - {$1400.00} in personal possessions after Capital One illegally shared my information without my permission or written consent. 

At the time the car was sold on XX/XX/XXXX for {$13000.00} the loan amount was {$26000.00}. I was informed of this through a " Explanation of Calculation of Deficiency '' letter from Capital One dated XX/XX/XXXX stating that I still owed {$11000.00} after the sell of the car. At the time the car was sold, I had made payments totaling {$7700.00}. 

Over the past the couple of years, I have been harassed by third parties who were illegally given my information by Capital One, which is a violation of my rights. Some of those companies are XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

After being denied a loan due to the repossession earlier this year, I looked at my credit report and found that Capital One had allegedly charged off the full amount of the loan for {$25000.00} on or around XX/XX/XXXX according to XXXX, which is the total amount financed. Not accounting for any payments/interest payment made to them. 

I have contacted Capital One to help me resolve this issue and stop the harm being done towards me and my personal credit report. I do not understand how they have charged off the total amount of the loan but still reporting that I owe them {$9100.00}. 

In XXXX I sent a letter to rescind my contract, they informed me that I still owed the amount and everything was appropriate with my account but did not answer my question or assist in resolving the issue. 

In XXXX, I sent a letter requesting a 1099-C for the year of XXXX showing the discharge of debt because I have not received one for tax purposes. 

I believe is a violation of 15 U.S.Code Sec. 1605 ( a ) ( b ) ( d ) ( e ) ], 15 U.S.Code 1635, 12 CFR 1026.3 and my right to privacy and identity securement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection/charge-off in the amount of {$11000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page from my credit report attached. ) XXXX  and XXXX  are reporting correctly. This account has a {$0.00} balance and should be reporting as such. This false reporting of a collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Numerous times money was sent to the wrong person through the Zelle app with my XXXX  XXXX XXXX account
Product: Debt collection

I first received a call on XX/XX/XXXX from a mediation service " hired '' by XXXX XXXX to collect an old debt. I went ahead and set up a payment arrangement and was reassured this would be taken care of. XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the letter claimed the current creditor was " XXXX XXXX XXXX '' .This debt according to them was paid in full as of XX/XX/XXXX. I received a " release '' letter and was not contacted any longer, and noticed this didn't show up on my credit reports. on XX/XX/XXXX I began to receive calls from XXXX XXXX XXXX XXXX claiming they purchased this debt back in XX/XX/XXXX, and the previous company only collected interest and I had 48 hours until they sent out a service company to serve me with court papers. The company didn't state their name and sent me an email with a letter from XXXX XXXX, General Manager of XXXX XXXX XXXX XXXX XXXX XXXX. I didn't hear from them until today XX/XX/XXXX claiming they were filling with the local jurisdiction XXXX XXXX and going to serve me at work ( they had the incorrect employer, I didn't correct them ) I asked for more clarification but they keep repeating legal nonsense and don't answer my questions.
Product: Credit reporting or other personal consumer reports

I was recently subjected to adverse credit action by XXXX XXXX  ; and as a result, I requested my credit report from all three credit bureaus, including XXXX, XXXX, and TransUnion. XXXX and TransUnion were unable to provide me any credit report despite providing a credit score to the lender. I have mailed my request and attached copies of identity documents in support of my request, but I have not heard from the two bureaus after mailing. I was advised over the phone by XXXX and TransUnion that it would not be advisable for me to further access my credit file online, as there exist certain metrics ( XXXX block? ) that further prevent access to my credit report after any additional attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion. I have had a collection account XXXX XXXX XXXX XXXX XXXX Transunion File number XXXX disputed several different times with Transunion. The collection amount shows {$630.00}. 

When it first appeared on my XXXX  report two years ago I called the collection company and asked them to send me the information regarding the charges to verify accuracy. They refused to speak with me unless I provided my social security number. I disputed the account with XXXX  and they removed it from my credit. 

One year later the same collection account appeared on my Transunion report. I disputed it again and was told by Transunion that they verified it to be accurate. Transunion refused to provide me with the documentation that the company sent to Transunion to prove this was my account. However, Transunion removed it from my credit report. 

This same collection account appeared on my credit report this year. Again I disputed with Transunion and they have returned the dispute as a verified account. 

I believe this collection account to be fraudulent. Every time the collection account has been added to my Transunion report they have changed the date which says when the account was opened. This current account is stating it was opened XX/XX/XXXX. Clearly, this is not accurate since I have attempted to dispute this account for two years. The initial collection from the XXXX  report believe says it was opened in XX/XX/XXXX. 

I have no knowledge of this account and have never been provided with a bill for services. I would like Transunion to remove the collection account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to XXXX, XXXX, and Experian. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, l mailed in dispute letters that had inaccurate information about my credit report. I am reaching out to you for help to get these items removed from my report as it is illegal to report inaccurate information. I will be seeking litigation due to the inaccurate information on my report.
Product: Credit reporting or other personal consumer reports

I identified billing mistakes on my credit report, including incorrect late payments. Kindly fix these errors and update my account.
Product: Checking or savings account

Capital One has not addressed any of the issues that were placed in the complaint. This issue did not start in XX/XX/2020 ; it started in XX/XX/2020. A letter was sent to an address where I did not live but was not made aware of it until I called Capital One later. I was told by one of the reps that my payment was supposed to be a certain amount and I paid the amount requested but then later was advised I was supposed to pay the amount in the letter that I never received. The account was restricted then and I was told that even if I pay it off, I won't have access. The payments that Capital One claimed were returned were associated with a card placed online and were locked at the time of the payments. Capital One turns the autopayment on the account when a payment was made over the phone. I explained this to Capital One reps several times and they were supposed to pull reports to verify but they haven't since 2020. In closing, Capital One has not provided any explanation for the issues I outlined and then has the audacity to claim that payments were returned even when the online card is a Capital One debit card. None of these payments were returned for insufficient funds, it was returned because the card was locked. All of these returned payments were explained to the reps several times but Capital One still claims that these payments were returned due to my fault. I have never made an autopayment to Capital One since XX/XX/2020, but it was made manually. Please address my concerns.
Product: Vehicle loan or lease

The number provided is not the number to this company. I've tried reaching them for over a year
Product: Credit card or prepaid card

For over XXXX years I've made my payments to Avant credit LLC on a timely fashion, however over the past several months Avant has been holding over my available funds for 10 days. THIS STARTED AFTER I ACCIDENTALLY SENT DUPLICATE PAYMENTS to them and I requested for Avant to send back one of the payments which they refused, so I had to file a dispute with my back to get that money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX accounts should have been in a deferment or forbearance XXXX XXXX XX/XX/2017. My XXXX  loan is showing correctly but my XXXX  XXXX is not. I have filed multiple inquiries with the 3 CRA 's and with XXXX XXXX directly with no resolution. 
Each account with XXXX  XXXX is showing 6 DQ payments, for each loan and it is severely impacting my score. The information caused other card issuers to close my accounts in 2017. I was promised investigation by phone with XXXX without any resolution. Every-time I have called, individuals say they can see the error and submit a request to adjust but then nothing ever comes of it.
Product: Student loan

For Aidvantage : Enrolled student loan for auto pay which was to for XX/XX/XXXX. The payment was reversed. I then tried to pay again via manual pay on the XXXX and XXXX, both were rejected. I have called the customer service line multiple times since the XXXX and have been disconnected after over an hour wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I need the following to be removed ASAP. Thank you. 
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
Product: Checking or savings account

At the end of XXXX, XXXX, I received three notices about attempts to open accounts at XXXX XXXX in my name. I spoke with XXXX XXXX, and the put out a fraud alert concerning this topic. Today, XX/XX/XXXX, I received a debit card from Chime that was set up in my name. I contacted the company, and they have claimed to have closed the account. I was unable to speak to anyone at the company, however, so I am unsure. I have been working on changing all of my passwords, have credit freezes on, and monitoring my credit. Someone is actively trying to open accounts, and I feel this need additional attention lest they succeed.
Product: Credit reporting or other personal consumer reports

On checking my credit today, I noticed unauthorized credit inquiries. I mailed letters to XXXX, XXXX, and Equifax disputing the unauthorized credit inquiries which are supposed to be deleted as per the Fair Credit Reporting Act. 

XXXX, Equifax, and XXXX have not removed the unauthorized credit inquiries from my credit report to date. The unauthorized credit inquiries are : XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and XXXX  Credit reports to verify the information they are reporting. XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. XXXX has not responded. I am attaching ( 4 ) XXXX provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; XXXX.
Product: Credit reporting or other personal consumer reports

My credit report shows that I was late on my XXXX XXXX account on on XX/XX/2024. I was never late on this account. And am asking the CFPB to investigate this account, and ask the credit bureaus, for a statement proving that this late payments is accurate. If they can not provide proof. I am asking that the late payments be removed, and the status be updated to payed as agreed.
Product: Credit card or prepaid card

I have a Bluebird by American Express Card. I work XXXX jobs and have both of my checks deposited on this card. When checking my balance on XX/XX/21, I noticed that on XX/XX/21 that 2 withdrawals were made : 1st for XXXX - 2nd for XXXX totaling XXXX. These were made at an ATM in XXXX OH, XXXX XXXX location. I work in XXXX, was at my job all day with card in my possession and then after work went to XXXX to buy a few groceries with my card. So on XX/XX/21 I immediately contacted Bluebird by American Express, told them that I did not make these transactions and filed a fraud report. I was honest in telling them I still had the card in my possession - after all I used it at XXXX on XXXX XXXX on XX/XX/21. So the first time I was turned down telling me that these were authorized transactions. I inquired as to what time these transactions were made and no answer. I DID NOT MAKE THESE TRANSACTIONS. I have never withdrawn money from XXXX, OH ATM. I filed a 2nd fraud dispute and was also turned down stating that these were authorized. XXXX XXXX  told me that my card could be duplicated very easily by a skimmer. Bluebird by American Express is refusing to give me my money back. I feel like suing them!!! What do I do??????
Product: Credit reporting, credit repair services, or other personal consumer reports

I did realize that all three Credit Report Agencies have several hard inquiries in my credit report that I do not recognize.
Product: Debt collection

Subject : Dispute of Medical Debt To : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Dear Sir/Madam, I am writing to formally dispute a medical debt that has been reported to me, which has been assigned to my account in error. The account number associated with this debt and the amount being claimed is XXXX I have reviewed the details of this debt and can confirm that this is not my responsibility, as I did not receive any medical services associated with this claim. Furthermore, I have no knowledge of the treatments or procedures billed under this account, nor do I recognize the dates of service. 

Please investigate this matter and provide any documentation that verifies the origin of this debt, including the services rendered, dates of service, and any signed agreements that support this claim. If this debt can not be substantiated, I request that it be removed from my account and from any credit reports where it may have been erroneously reported. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt, and I am exercising that right with this dispute. I kindly request written confirmation of your findings, and if the debt is determined to be invalid, that you take immediate action to rectify this situation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Transunion 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  has violated my rights.

I looked at my Transunion credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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. Please delete these accounts immediately. 

XXXX XXXX
Product: Debt collection

American Express has filed a lawsuit against me without having a valid contract in place. I rescinded the consumer credit agreement a full month prior to the suit being filed. I had sent several payment to the company and they were ignored and/or returned. Then without notice of the intent to sue for the debt the company served me with a lawsuit.
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. 

Account name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.