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

There appears to have been some sort of glitch on the Company 's part whereby I'm being charged for funds returned to sender that were never actually credited to my account. 

They're calling this a " Payment Correction '', which is showing as a charge. 

They're claiming that because funds were returned to sender the " Correction '' merely reflects that funds came in, we're credited to my account, and then returned, hence the correction. 

However, if it were actually a correction, the net result would be zero, with no charge to me. This is not the case. 

To me the correction is showing up as a charge because the funds were never actually credited to my account. The sender itself acknowledged to me -- and I shared this documented acknowledgement with the Company -- that the balance transfer never went through because " the check was never cashed ''. 

I've gone back and forth with with the Company on this matter, getting supervisors to review the account and agree with me. 

Nonetheless, when the matter has been submitted to Investigations for confirmation, they've only ever come back insisting that I owe the money because funds were returned to sender. 

Investigations is completely overlooking the fact that funds were never credited to my account. 

The funds in question consist in a balance transfer requested, but not received, in the amount of {$3800.00} on or about XX/XX/2018.
Product: Vehicle loan or lease

I got behind on my car payments and I notified CapitalOne on XX/XX/2018 that I was unable to make a payment on XX/XX/2018 ; however, I could make it on XX/XX/2018 via debit card since I got paid on 09/14/2018 and that I would also make a payment on XX/XX/2018 when I got paid again. This conversation was on a recorded line and in the company notes and approved by the representative I spoke with ; however, they repossessed my car at work on XX/XX/2018. When I called them 2 different people at CapitalOne confirmed that my payment arrangement for XX/XX/XXXX was noted in their system, but somehow it got deleted. 

They are now telling me they have to research the issue to determine if they made a mistake and obtain management approval. It could take 3-5 business days to resolve the issue. I am stranded without a car and have no way to get my personal possessions out of the car or get to and from work. My garage door opener is in my car so I have no way of getting into my house. I have taken on a 2nd job to get caught up and now I won't be able to work that job this weekend either. They are also saying if they determine that they were right in repossessing my car, I will have to pay the past due amount, late fees, and a repossession fee of {$520.00} within 10 days or my car will be sold.
Product: Credit reporting or other personal consumer reports

Credit reporting company. I am disappointed to see that this account has once again been added to my credit reports after you all deleted it entirely as it should have been! I have attached a pdf of what you all had before. I expect my account to be in the same state after this dispute. My account that I had with them was already resolved and paid in full. Anything they are looking for now is not under my account and they documentation that they will show you clearly is not even signed by me. Please see my attached Signature sample and my Birth Certificate which shows my legal name that I use on all contracts as XXXX XXXX XXXX XXXX. FCRA requires that you all actually review these documents and make a determination fairly. Not just accept the information from the creditor or data furnisher. Over XXXX percent of credit reports have inaccuracies. Put the burden of proof on these companies and stop just accepting what they say without proof. If what they claim is legitimate they should provide a contract signed by XXXX XXXX XXXX XXXX matching my signature sample. 

The other issue is that there are late payments reported. The status should be never late! Its impossible for what is reported to be true. Equifax shows XXXX and XX/XX/2022 shows 90 days and 120 days late when all the months before are correctly showing that there were no late payments! 

You all have had more than enough time to get this right. You fail to be timely in investigations, taking more than 45 days to respond. Then you all made proper corrections and removed items, to them put them back again. This is crazy. You all have severely hurt me financially and are preventing me from obtaining credit to cover life saving medical treatments! It is wrong to keep this account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX, CAPITOL ONE BANK, XXXX BANK/XXXX  XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX INC/XXXX  BANK, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXWALMART XXXX XXXX and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on XXXX occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$4600.00} on XXXX XXXX XXXX partial account number - XXXX. ( Please see page attached from my credit report. ) The vehicle in question had full coverage insurance. This bill should have been paid by XXXX XXXX however, they denied my claim. I have attached a copy of my coverage information which clearly shows the vehicle was insured. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Payday loan, title loan, or personal loan

On XX/XX/2014 we purchased furniture in XXXX XXXX XXXX in XXXX, Ct ( sales order : XXXX ). Their address is XXXX XXXX XXXX XXXX, XXXX, CT. Phone number : XXXX. 
To induce me to purchase the furniture items the sales person offered us 5 years interest rate free loan in the amount of {$3000.00}. The sales person never mentioned that the interest free period continues only for two years ( we were said that we will pay 0 % for all 5 years ). Recently we discovered that actual interest free period was only for 2 years and that we were charged 30 % interest rate retroactively since the first day we purchased the furniture. 
We strongly feel that this transaction is a fraud by XXXX and by Synchrony Bank which provided the loan. We were charged thousands dollars in interest and fees about which we were not aware and never would assume such a loan if we new that interest rate is 30 % per year instead of 0 % for 5 years as was promised to us.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

it all started back on XXXX by a company named XXXX XXXX, XXXX, GA. They took out $ XXXXoff my card. and sence then nine different companys have been taking money out of my account, and when you call each one of them all the calls go to the same place even thou they have different numbers. and when i asked them what i bought from them they all say that its a sweepstakes that i intered, which i never authorized them to take any money out. they told me that i called them every time before they took money out, and when i ask to hear those calls they told me that they couldnt do that even thou they took out money 23 times. i reported it to my bank and they did a investigation and they said that i authorized them which i didnt all you have to do is check my phone records and you will see that i never called any of those numbers untill i reported it to my bank so i dont think my bank did a very good job investigation this, for one reason is that it took them after i called them three times to get their report, a month and a half to get the report to me and all it had in it was my monthy statements and the info that i sent them nothing on what they did to come up with their determination on my case. if you need more info let me know and i will be more then glad to send it to you. thank you very much XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXXXXXX balance {$520.00}, XXXXXXXX XXXX XXXXXXXX balance {$130.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$4100.00}, XXXX balance {$950.00}, XXXX XXXX XXXX balance {$270.00}, XXXX XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

Credit card approval for usage with no limit on spending or purchase alongside my account considered paid on time, as agreed in perpetuity pursuant to HJR 192 and any other treaty, benefit or provision necessary to keep compliant and within regulatory guidelines.
Product: Debt collection

XXXX   XXXX ,  XXXX  {$1100.00}  XXXX   XXXX ,  XXXX  {$220.00}  XXXX   XXXX ,  XXXX  {$190.00}, {$790.00}, {$2600.00}, {$210.00}  XXXX   XXXX ,  XXXX  {$9300.00}  XXXX   XXXX ,  XXXX  {$150.00} The aforementioned credit collection agency representing  XXXX   XXXX   XXXX  has violated  the FCRA by not providing documents to me i n regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertain to this " debt ''. If they do not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Hireright XXXX have been collecting my personal info without my written consent, also been sending my info without my written consent which is identity theft. I am a federal protected consumer and Hireright XXXX has committed fraud. I DO NOT GIVE CONSENT to hireright XXXX to collect or send my personal info to anybody. 15usc 1681
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against CAPITAL ONE for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) regarding debt validation. 
On XX/XX/year>, I submitted a written request to CAPITAL ONE asking for validation of the alleged debt they claim I owe. Under 15 U.S.C. 1692g of the FDCPA, creditors are required to provide validation within 30 days of receiving my request. However, despite the expiration of this period, I have not received any validation of the debt.

Since they have failed to validate the debt, they are legally required to cease collection efforts and remove the account from my credit report. However, they have continued their collection activities, which is a violation of federal law.

I request the CFPB to investigate this matter and take appropriate enforcement action to ensure compliance with the FDCPA. Additionally, I ask that the creditor be directed to immediately cease collection efforts and remove the unvalidated account from my credit report.

I have attached copies of my original debt validation request, proof of delivery, and any correspondence related to this matter for your review.

Thank you for your time and assistance. Please let me know if any further information is required. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

I never received any notification regarding a cable bill that I do n't remember not paying. I would like to get a copy of this bill showing the company name and address of service. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company
Product: Debt collection

This debt was already successfully disputed with another collections agency and is a duplicate collection attempt of a debt I don't owe.
Product: Mortgage

I got hurt at work and was out of work for a while. While I applied for worker 's comp and XXXX, it took a while to get approved. Given I was granted a modification with PHH mortgage, I was still waiting to get approve for XXXX. I was able to make the first payment, but default ed on the XXXX payment, due to the start of my XXXX payments.When When my relationship XXXX called me on XX/XX/year> I explained to her what transpired. She stated there is nothing to be done, because the foreclosure is in process. My XXXX has finally been approved, and payments are being deposited to my checking account. I reached out to PHH on XXXX to see where the process is with the foreclosure, and if I can try the modification XXXX last time. I also explained to him that the I now has XXXX payments deposited every XXXX weeks, and I will be able to do the modification with defaulting. I don't want to lose my home, especially since it is my primary residence. I thought these companies work with consumers to keep them in their homes?
Product: Credit card or prepaid card

On XX/XX/2020 I went to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX XXXX, FL, for a COVID test. On that day, I provided my health insurance card because they were in Network and my copay should have been {$20.00}. They told me that I was out of Network and they charged me {$150.00} using my XXXX XXXX XXXX XXXX ( XXXX XXXX ). In XX/XX/2020, I contacted my Insurance Company ( XXXX XXXX XXXX ) to inquire about my coverage and was told that XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) should have only charge me a {$20.00} copay. The insurance company paid XXXX XXXX XXXX {$110.00} in network provider fee. I contacted both the XXXX XXXX XXXX and XXXX XXXX to get reimbursement because my credit card was overcharged in the amount of XXXX. Please see all documentation showing that XXXX XXXX was paid {$100.00} on the " Explanation of Benefits Form '' on XX/XX/2020, and was paid Electronically. XXXX XXXX denied my claim to get my {$130.00} overcharge. XXXX XXXX claim that the case had no merit. See attached all correspondence regarding my complaint. Please reach me at XXXX if you need additional information.
Product: Credit reporting or other personal consumer reports

I recently signed up for XXXX this year and I seen that there was accounts currently on my report I have no clue or idea how it was on my report. Ive been enlisted in the XXXX for XXXX  months as well so I just was able to start seeing what was credit and how to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company twice and four other times through the credit bureaus. The account is not minds and I didnt sign for the account. Each time I just get sent a bill not information proving the account is minds.
Product: Prepaid card

I purchased the card on XX/XX/12 at a XXXX XXXX XXXX. Today I tried to use the card. It shows a transaction pending that it will not let me dispute. I did not authorize this transaction and I hold the card. Vanilla will not let me dispute and says no pending transaction when there is one listed at XXXX XXXX XXXX for {$110.00}. The card had {$120.00} on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has this service that can increase your credit score if you link your bank account to show payment history for utility bills. I recently filed for bankruptcy and have no debt. While checking my credit report on Experian 's website I discovered that Experian is misleading it's customer when it markets its " Experian Boost '' product. After doing further investigation I learned that Experian is using the same utility accounts that was linked to my bank, with a label as debt. Currently, there is 7 XXXX  accounts that I linked to Experian from my XXXX  XXXX XXXX checking account. Of the 7, 2 of which should be taken off my report because there were both closed due to rental lease ending XX/XX/2019. 

Experian is reporting the balances of all 7 accounts on my credit report and labeling them as debt when they were all paid in full. Two of the 7 accounts that's listed below were closed in XXXX. I called Experian and shared my concerns and inquired why they aren't informing customers about this. I was immediately referred to CFPB. I also requested that they remove the old 2 accounts and they refused. I asked the representative why doesn't the 7 accounts reflect that they were all paid in full and show a XXXX balance, he had no response. 

This is and has hurt my chances of getting credit and has kept my credit score low. They appear to have not verified that it has been paid in full, but rather list it as debt. Below are two accounts that should have been removed, but Experian is refusing to remove them and all other inaccuracies. 

I would like the 5 accounts to be listed as 0 and the accounts listed below to be taken of my credit report. 

Respectfully, XXXX XXXX Account Info Merchant : XXXX  Account status : Open Account number : XXXX Account type : XXXX Account Info Merchant : XXXX  Account number : XXXX Account status : Open Account type : XXXX