23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is not a duplicate. 

This is about a different lie that Capital One has said. 

CFPB, please do not close this case until both parties agree that the issue has been resolved. 

My complaint is that Capital One is lying yet again, as evidenced by their two letters which contradict each other. 

Capital One 's letter dated XX/XX/XXXX states that " Our records indicate that you were able to reset your password on XX/XX/XXXX, and you successfully accessed your account on XX/XX/XXXX. '' Yet Capital One 's letter dated XX/XX/XXXX states that " It appears that the account ending in XXXX is not enrolled for you to have online access '' and " We have confirmed that the system issue that prevented you from logging in on XX/XX/XXXX, has been corrected. " This is two conflicting statements in a single letter - first they state that the problem is that my card is not enrolled in online access, then they state that the problem is a system issue. And the 'system issue ' has NOT been solved, as I am still unable to log in and get the same screen when I try. 

I am asking the CFPB not to close a case until both parties issue that the issue has been resolved.
Product: Credit reporting or other personal consumer reports

National Credit Audit Co is listed on my XXXX report but is inaccurate. Have tried several times to dispute this and have received nothing in return. 

XXXX XXXX XXXX XXXX is listed on my XXXX report. Both I have tried reaching out to and no luck. 

Both parties claim to own the same debt on different reports and still have received nothing to contact them nor get proof with documentation mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years, I have been a victim of identity more recently I found out on XXXX my personal information had been stolen and used in a fraudulently workers comp case. 
After this my bank account were hacked and money stolen. Debt collector bought my debt the pursued aggressively. They contacted debts and had some of my accounts closed after being late less than 30 days once XXXX XXXX XXXX XXXX XXXX XXXX The other two accounts I was late once less than 30 days because of a finical hardship. Which I contacted the two companies XXXX and Upstart told them and asked for payment plan - they both denied and started a collection and gave unrealistic payment options, that I could not pay. In XX/XX/XXXX, I refinanced my house to pay those two collections I provided all three credit agency copies of court dismissal because I paid after speaking to the companies which told me to go to each other and the collection agencies for help. It was suppose to be deleted in the status is reported wrong. " It states written or charged off for the full amount '' even though it was not written off and I paid in full nor will they delete or change that status. I have ZERO balance but they refuse to change the status from written off for full amount.
Product: Debt collection

I see a debt collection of amount {$1300.00} on my XXXX report from XXXX XXXX XXXX XXXX and IC System is the debt collector for this, dated XX/XX/XXXX. 

This was not noticed until i received a notice of data security event from XXXX XXXX XXXX XXXX which provides administrative services to XXXX XXXX XXXX. 

Actually we took services from XXXX XXXX during XX/XX/XXXX and was duly paid from my insurance. 

Hackers could get my PII and health related information and billed / debt collection with back dated to extort money or else hurt my credit score. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND THESE FALSELY REPORTED LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORT IN REGARDS TO MY XXXX XXXX XXXX XXXX N-REWARDS CREDIT CARD FOR THESE DATES XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau deliberately overloaded my credit report with bogus open accounts which were paid in full, and closed-not revolving. They also put over a dozen bogus addresses on my account as belonging to me. Experian also lowered my credit score from the 700 range down to the 500 range, although I did not have any late or delinquent accounts as they falsely claimed. I also sold my house, which I had for nearly five years, and in the years that I had the house, I was never late or missed a payment. Experian took it upon themselves to put a negative payment on the account, and then lowered my credit score over 150 points. When I complained to them, they deliberately lowered my credit score even more, and refused to even give me credit for selling my house. Instead, they focused on two revolving credit cards that I do have-and I am not late on them either. Experian just continued to lower my score, and said I had XXXX debt, and that it was " computer generated ''. My yearly income is {$47000.00}. I have a car payment of {$510.00} per month for seven years. I just bought the car in XXXX of 2018. The two credit cards are XXXX XXXX  card, and A XXXX XXXX store credit card, and that is it. I have no dependents to take care of. I have no mortgage, and I am not in debt or at 90 percent of my income. Experian is using the excuse that the 2 credit cards I have are the reason I have a XXXX credit score, although I am not delinquent on either of them. The XXXX credit card has a credit limit if {$2000.00} dollars, and the XXXX XXXX Credit card has a limit of {$2300.00} dollars. Neither is maxed out, but even if they were, this does not constitute my credit score being deliberately lowered over 250 points for no good reason. If you take and add up these 2 credit cards, and {$6100.00} for the car payment for the year, you get {$10000.00} debt for the year. If you take {$10000.00} and divide it by my yearly income, you get the percentage of my debt to income, which is 22 percent rounded off-not XXXX percent like Experian claims. Also, Experian lowered my score right before I bought the car, so I would have to pay a higher interest rate. And, everytime I try to file a dispute by phone with them, I am met with hostility and ignorance. And, every time I try to dispute any of this and the false open accounts and negative reports on my account on their website, it is suddenly always not accessable. Experian has deliberately messed up my credit score, and FICO score, and then tries to lie and say they have nothing to do with it because it is computer generated-yet, they are able to lower my credit score even while I am on the phone with them. I want justice, and I want my score put back where it belongs in the 700 range like it was before they messed it up. I also want all the bogus information and so called revolving accounts made closed like they are.
Product: Credit reporting

I have two hard pull inquiries for XXXX XXXX. I 've never had an account with XXXX XXXX nor have I ever applied for service with this company. I have disputed it 3 different times with Equifax and XXXX and they wo n't take it off my report, and basically are just sending me back and forward between each company with no results. Nor has either provided me with their invesitagation findings, which let 's me know it has n't been investigated at all. These inquiries are bringing down my credit score and are n't fair to me at all.
Product: Consumer Loan

Monday Capital one called me saying they may repossess may car because I have n't made a payment in a month. In XX/XX/2017, I made an agreement with them saying I would pay the balance by XX/XX/2017. In XX/XX/XXXX I became ill and need medical care. In XX/XX/XXXX had medical procedure and in the coming months will have surgery.When they called me on Monday they also said I had 10 days to make a payment of XXXX. I told the person on the phone I could not make any type of payment because I have outstanding medical bills. In XX/XX/XXXX, When I made the agreement with them nobody said if I did n't pay off the balance that my car would be repossessed they ONLY said, MY CAR WOULD BE CHARGED OFF. Capital One uses HARASSMENT TACTICS, UNETHICAL AND ILLEGAL BUSINESS PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second attempt. Last month I wrote Fedloan to request that remove late payment from my credit report on XX/XX/XXXX that was reported inaccurate. The company stated it was correct, which it wasnt. They lied and said they tried contacting and mailing documents stating that my account was in collection in XXXX, which is another lie. I never received a call from XXXX, and I contact XXXX in XX/XX/XXXX requesting forebearance and deferment, the rep that I spoke with told me it was granted. So the fact that you have customer service rep lying about putting people on deferment is sickening. I also sent a goodwill to this company, but they dont seem to care about their customer report, or try to work their customer service, nor do they want to fix their error. Again we are only talking about XX/XX/XXXX. You dont need to go into XXXX or the past
Product: Payday loan, title loan, or personal loan

I have made large payments to suffice the loan. ( I made 3 payments in one month ) The company is advising they would apply that only to one payment and charge a late fee on the next one. I should not be charged fees when I made such a large payment. They are advising they are unable to apply to any future payments. Its a scam in regards to how they can collect late fees and should be investigated
Product: Credit card or prepaid card

I called Bank of America in XX/XX/XXXX stating my business is going through a Natural Disaster when one of my warehouses burnt down and I am spending my time fixing the situation. They notated that and from there I somehow accumulated 2 late fees. I pay via Autopay all the time via Minimum Payment Due. BUT with Bank of America they do not have that option so when the interest went higher my Minimum Payment Due went higher and the past 2 months I didn't cover it. 

I did not foresee it due to the Natural Disaster happening. SO I called them stating to remove the 2 charges and they said OK but it never gotten done I am writing to Consumer Finance to help me in this situation as they 1. Do not have an Autopay option for Minimum Payment Due to avoid this situation. 
2. I went through a Natural Disaster and Bank of America should have the consumer in mind. 
3. I overpaid the minimum and now making larger payments and Bank of America did not have this in mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

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

Incorrect payment history being reported by Experian.
Product: Debt collection

Hello, I am getting Chased by C.Tech for an unpaid {$65.00} for a doctor visit at XXXX XXXX. 

When I called XXXX XXXX, they advised it was from an office vist with XXXX XXXX XXXX. 

XXXX XXXX Office confirmed I do not owe them anything since I paid the full {$65.00} out of pocket during visit. 

I informed C.Tech and they have still proceed to chase me for payments that I do not owe. 

XXXX XXXX 's number XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I AM REQUESTING THESE XXXX INQUIRIES BE BLOCKED AND REMOVED TO CORRECT MY CREDIT REPORT. MY INFORMATION WAS STOLEN. MY IDENTITY HAS BEEN USED WITHOUT MY KNOWLEDGE. DUE TO MY IDENTITY BEING STOLEN, UNIDENTIFIED INQUIRIES ARE ON MY ACCOUNT. BLOCK AND REMOVE THE FOLLOWING INQUIRIES 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: Credit reporting, credit repair services, or other personal consumer reports

I have written all three Credit Bureaus XXXX, Transunion and XXXX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly
Product: Debt collection

XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt.

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request.

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records.

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX, XXXX and XXXX failed to produce an investigative report on PORTFOLIO RECOVERY ASSOCIATES accounts posted to my consumer report. It is a violation of my consumer credit rights on a debt I have never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of XXXX and XXXX to the taxpayer by XX/XX/XXXX of the following year. XXXX XXXX ( the original creditor ) used my social security number to file IRS form XXXX to report XXXX XXXX XXXX without my authorization. This account has been reporting on my consumer report since XXXX of XXXX. This is far more than enough time to produce sufficient evidence of filing correct IRS forms because true documentary evidence is not in statements by the original creditor nor is it a credit card agreement. 

XXXX XXXX XXXX XXXX Colorado, XXXX XXXX. XXXX XXXX XXXX # XXXX file no. XXXX Portfolio Recovery Associates Inc, Plaintiff, dismissed the case against Defendant, XXXX XXXX in XX/XX/XXXX after defendant answeres the complaint
Product: Credit card or prepaid card

Back in XX/XX/XXXX, a fraudulent purchase was made through XXXX and charged {$120.00} to my Bank of America credit card through XXXX. After dealing with XXXX, I was forced to dispute the charge through Bank of America and it was decided on XX/XX/XXXX that the claim was in my favor and I should be getting refunded the charge. As of today, XX/XX/XXXX, I have not received my money refunded to my account and initiated contact three separate times to receive answers. I call on XX/XX/XXXX and XX/XX/XXXX and was informed that the funds should have been refunded within three business days. On XX/XX/XXXX, I called again because the charge has not been refunded and was told that it would take a few weeks to receive a refund for the charge. I have since closed my account with them because my faith in this company has diminished since they seem to be incompetent about refunding me my money.
Product: Checking or savings account

This is the second request for the account to be closed as first requested at this site in 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY! 

Delete reported data NOT certifiably COMPLIANT XXXX   XXXX - XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX   - XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXL XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX responded to a complaint via the XXXX  that a my vehicle was charged off because that account was in default not because it was discharged. Yet, XXXX XXXX XXXX is retiring a charge off on my consumer reports which is inaccurate reporting because of a charge off is being reported then that must mean a 1099C form was filed. Of a 1099C form is filed that debt, according to the IRS becomes ordinary income. INCOME cant be reported on a consumer report. If they are reporting a charge off but did it file a 1099C form that is FRAUD. I requested the 1099C form and they refused to send it to me. A 1099C form would make the charge off reporting INACCURATE. 

Furnishers of information ( XXXX  ) have a duty to report information to a consumer report with maximum accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, this mortgage company has marked payments as missed payments when they have received the payments. 
Payments for XXXX, XXXX, XXXX, & XXXX were ALL made on time and they reported them as missing payments causing my credit score to plummet. 
This is false information and is highly unethical of this company.
Product: Debt collection

A claim was filed on the original creditor XXXX XXXX for breach of contract, the vendor agreed to settle the dispute for {$240.00} per the resolution terms through the XXXX. Perfection Collections provided no written notice that this was referred to their offices. I learned of the issue because of credit file alert on XXXX/XXXX/16. I contacted the debit collection agency to try and get information. I was accused of ignoring the debit and not paying my bills. The operator XXXX XXXX was extremely unprofessional and he pushed my buttons. I was ultimately able to learn that debit was reported for {$1800.00}, not the original settlement amount of {$240.00} to end the contract. I also learned that that XXXX XXXX provided them with an incorrect contact information. This was the original reason for the breach of contract with XXXX XXXX. This is not the first time that this company has referred this issue to a debt collection agency after settling the debit through the claim with XXXX. 

I will obtain a copy of the filing with XXXX ... this can be supplied at a later date.
Product: Credit reporting or other personal consumer reports

I mailed my XXXX XXXX dispute letter on XX/XX/year> and they violated XXXX XXXX XXXX permissable purpose and they dont have any written permission to furnish my XXXX XXXX according to the family education rights and privacy act XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing the copy of my credit report, I noticed discrepancies that I believe to be incorrect and potentially harmful to my credit health. These items do not accurately reflect my financial history and are negatively impacting my credit score and overall financial well-being
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these following accounts that appears on my XXXX credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these account. I am requesting full validation for the following account names as it appears on my credit report : a. XXXX, XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX {$2300.00} Account numberXXXX b. XXXX XXXX XXXX Original creditor : XXXX {$250.00} Account numberXXXX C. XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX {$72.00} ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$76.00} Account number XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX {$250.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$520.00} Account number XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.