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

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Checking or savings account

Subject : Complaint Regarding Account Closure by Capital One To Whom It May Concern, I am writing to express my deep dissatisfaction with the recent decision made by Capital One to close my account. On XX/XX/year>, I received a call from Capital One informing me of their intention to close my account due to perceived risks associated with receiving payments via XXXX. 

As a freelancer, I rely on receiving payments through various channels, including XXXX, from clients with whom I have established contracts. In the past, I have cooperated fully with Capital One when they contacted me regarding a deposit received via XXXX, providing all necessary information to verify the legitimacy of the transaction. Despite this, I was informed that my account would be closed without any specific reasons provided, other than a vague assertion of risk. 

It is deeply concerning to me that Capital One would take such drastic action without concrete evidence of any wrongdoing on my part. I have a long-standing history with Capital One credit cards, spanning several years, with no instances of chargebacks or suspicious activity. Furthermore, I have diligently complied with all security measures and provided any requested documentation promptly. 

I find it particularly troubling that Capital One seems to disregard the verification process for payments received via XXXX, even when they have the means to contact the individuals sending the funds to confirm their legitimacy. This arbitrary decision to close my account undermines the trust and confidence I had in Capital One as my banking institution. 

I urge Capital One to reconsider their decision and provide me with a detailed explanation for the account closure. I request transparency regarding the criteria used to determine account risks and a review of my account history to demonstrate my compliance with all terms and conditions. 

As a loyal customer, I expect to be treated fairly and respectfully by Capital One, and I trust that this matter will be resolved promptly and satisfactorily. 

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

I am writing today concerning the following incorrect information on my file, which is a closed XXXX XXXX XXXX, this was opened on XXXX XXXX  and was closed in the amount of {$3100.00} and a collection by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount of {$740.00} which was opened on XXXX XXXX. I am an unfortunate victim of identity theft due to the fact that i had no knowledge or participation in the opening and closing of these accounts, as a result, i went to identitytheft.gov as soon as i was aware, which was of XX/XX/, to report these incorrect reports that adversely affect my public confidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had my name changed in court, just my middle name, so supposedly once info is corrected with social security offices it should be " easier '' than if it were my full name, but I still did as I was advised and tried double checking after with the credit unions to make sure my middle name had been changed and didn't run into any issues down the line. No issue with 2 of them, but with equifax not only was the info not changed/updated but. 

- they say to just make an account on their website. You do this and you'll never be able to login. Doesn't matter device or browser, their site is poorly and insecurely constructed. You're led to a " sorry we can't do that please call this number '' page every single time. 

- you call that number like I did on XX/XX/2022, and twice last week and the week before ( XXXX, XXXX, and XXXX I think are the right dates ) and you're connected to a call center where English is clearly the XXXX XXXX  the call center is very audible in the background in a way that makes me believe the employees aren't given headsets ( I used to work in a XXXX XXXX, for me to hear other operators in the background this clearly you'd have to not have headsets ... which for customer support at XXXX  would be one thing but this is a major credit union where SSNs are being thrown around! ). I know they have a script to read from but it was also clear that on each time the operators just couldn't understand me and made no effort to actually fix or help with the problem. All they do is tell you to reset your password and then hang up on you. By try 3 or 4 I was firmly saying I won't be doing that because that's clearly not the problem, the solution, nor ever was. It's very clearly a problem with their website itself. They just keep repeating their script to change your password over and over again to the point that if it weren't for the clearly audible call center in the background I'd think it was a robot I was talking to. 

- I've sent certified mail and haven't gotten a response yet but I've seen online many others saying they did the same and just got ignored, and ran into the same issue with the same useless call center. 

Equifax 's support is nonexistent, their site is unesecure and broken, and they don't bother fixing issues or updating account issues when you try to contact them. And there's no way to get around this and try to fix it other ways! I'm at a loss for what to do at this point. 


Here 's a link to a MyFico forum of others having the same issue as me over a year ago : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

Everything has to be 100 % accurate on my Credit Report. 

XXXX Account : XXXX. 


The Consumer Reporting Agencies all report different information and only verify with a 3rd Party thus ifgnoring the right to privacy and 15 USC 1681 According to my written Instructions. The bottom line is, there are multiple in accuracies!!! Open Date is inaccurate, the late last active is inaccurate and the Date last reported is inaccurate. This is grounds for removeal. They also violated my rights inder the following : 15 USC 1681 Section 602A. States I have the right to privacy. 

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
I was recently emailed by a representative of XXXX XXXX XXXX and she was properly notified of the Inaccuracies and made aware of the Law. She ignored the law directly and is willfully Noncompliant, whichis a violation Ferderal Law 15 USC 1681n. 
There is no End to the dagamage that this company and the Agencies are allowed to inflict on Consumers. 
The fact that They Reached out to me directly is a violation of Federal Law. 15 usc 1692c Communication when attempting to collect a debt. ENOUGH REMOVE THEM FROM MY CONSUMER REPOT IMMEDIATELY NO WAITING I submitted a previous complaint with the CFPB and the Attorney General 's Office. TheseCompany XXXX XXXX XXXX and Agencies refuse to follow any Federal Laws and continue volating my rights and costing me dearly.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX/XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that Experian making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. 

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, 1990, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Intent to file a lawsuit, HIPPA Privacy Violation Validation Letter sent to XXXX XXXX XXXX/STERN RECOVERY SERVC To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 

XXXX XXXX XXXX/STERN RECOVERY SERVC did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file a suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously.
Product: Debt collection

I have been receiving calls from a private number from the same female saying she was with XXXX XXXX telling me that I will be sued on a time-barred debt if I do not make a {$5.00} payment by calling XXXX, she goes on to say that as long as I make at least a {$5.00} payment, that they would be willing to settle for 10 % of the account balance over a XXXX timeframe and that if I did not make that payment, The calls started on XX/XX/year> and I received a total of XXXX calls up until XX/XX/year>. She was adamant that I had to call that other number and that she could not take the payment through the instant phone call. I have verified that the number I was given is a valid number for XXXX XXXX 

If I were to make a {$5.00} payment, this would re-age the account causing the date it would drop off of the CRA 's to extend back to 7 years. This is a deceptive and fraudulent tactic to trick me into making a payment that would trigger a re-age. Because the caller was blocking her number, this would indicate they do not want to be identified. Therefore, there would be no documentation that they called me, nor a recording of the phone call. It would simply look like I made a payment, and this Company would be able to continue to report this on my reports. 

I believe it is a XXXX XXXX  employee trying to affect a payment illegally and in violation of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/14 I tried to access my account through XXXX XXXX but the bank that I was trying to access does not let outside applications get information about my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your phone call about the letter dated XX/XX/XXXX, concerning the above-referenced account number. This is an " unauthorized account '' and I also have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired after five years. This account is dated for XX/XX/XXXX on my consumer report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Please review the FTC Theft report. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. 

NOTE : The Appellate Court of Illinois, First District, recently held that a credit card agreement was an unwritten contract subject to Illinois five-year statute of limitations, rather than its XXXX statute of limitations. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX, XXXX WL XXXX, at XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX
Product: Student loan

1. Over a period of eight years, Navient ( and previously XXXX XXXX ) has consistently mis-enrolled my loans in an automatic repayment plan of a limited-term nature, INSTEAD of a plan of indefinite length, as I had requested. The effect of this error has been that, though I had believed monthly payments were being made continually and always on time, in fact, they were not ; thus, the loans became late ( and once even delinquent ) without my knowledge. Additionally, sometimes when the full payment due WAS extracted from my bank account, Navient misapplied those funds -- overpaying some loans, and contriving delinquencies on others. Over time, I learned to monitor the account and catch and report these errors. However, these errors have been so constant, despite my exhausting advocacy, and the potential financial consequences for Navient so rewarding, that I can no longer believe that agents there are not misrepresenting terms to me and/or intentionally trying to 'push ' my account into negative standing. 

2. Navient, without any knowledge of my financial situation, discouraged me from seeking income-based repayment options on my federal loans. Their agents told me that they 'thought ' I 'likely ' would not qualify, but, despite my asking, did not walk me through the details of the program or resource me to make my own choice. 

3. Some years ago, my federal loans were refinanced by XXXX XXXX ; the process was already completed before I was informed that some money, borrowed at the lowest, subsidized rates, would, upon consolidation, come to be financed at a HIGHER rate, that, while some rates would come down, others would go up. I was not given the option to exclude them from the refinancing, or told that they were being enrolled at a financially disadvantageous rate. I was not made aware that I could see the existing rates on the federal database to 'double-check ' the counsel and work of the agents. 

4. In speaking with Navient about how I could not afford to make my monthly payments because my private loans with them were financed at the usurious rate of over 10 % (!!!!!!! ), an agent informed me that refinancing elsewhere would hurt my credit score by disrupting the continuity of the loan 's lifespan and end up hurting me more in the long run.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is reporting old outdated information that it's more than seven years old on my XXXX credit report. When I was in a forbearance pre-modification in XXXX, pre-covid. | was making my torbearance payments to XXXX  XXXX XXXX and XXXX  XXXX XXXX and Equifax continues to report derogatory information on my credit report. 
That is more than seven years old also.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX  Account Number:XXXX Date XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX - Account XXXX Date XXXX Balance : {$1100.00} Account Name : XXXX XXXX - Account XXXX Date XXXX Balance : {$94.00} Account Name : XXXX XXXX - Account XXXX Date XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Account with XXXX XXXX was charged off. XXXX agreed to settle my account in full for a payment of {$3300.00}. Once payment was received they agreed to report to all XXXX Credit Bureaus as a XXXX balance settled in full status. On XX/XX/2022 It was paid in full with cash at the XXXX XXXX MD branch for the amount of {$3300.00}. The teller was on the phone with XXXX representative and confirmed I paid cash and that everything was complete and settled attached I have the settlement letter and receipt of payment. I want them to Update to a XXXX balance as settled in full to all XXXX credit bureaus. They said everything cleared at the branch I dont want to wait XXXX days for an update on my credit report when they know its clear on their end.
Product: Debt collection

This company is still reporting on my credit report late payments after this account number- XXXX was XXXX in XXXX. Please verify the information with the clerk of courts.
Product: Debt collection

The western union service was installed in my agency but it was never fully operational, so no transfer of money was ever made. 
Western union tried to fix it twice but could not fix it. 
The person who installed the system told me that someone would contact me to fix the problem and it was not until after 3 weeks that someone contacted me to supposedly repair the system. That person who called me had confidential information about my account and knew that my account was not operational. He asked me to do some things on the computer to fix the problem. 3 days later I received an email indicating that I owed western union XXXX $ Someone made 7 money transfers from my account. whoever did it could enter to the main platform of western union or work for western union since it is the only way to modify the activity schedule of the account. ( XXXX to XXXX ) All transfers were made at unauthorized times ( from 7:31 pm ) I contacted the western union fraud number and they took my complaint, but nothing else. Days later they started to pressure me to pay them without even having an investigation of my case. 
Now they sent the case to the collection company ( XXXX XXXX XXXX XXXX ) and they threaten to affect my credit record. 
I tried several times to resolve the case with western union staff and there was no response. 

Companies involved : WESTERN UNION and XXXX XXXX XXXX XXXX