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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I had a credit card with Capital One bank that was closed by them which they had the right to do at any time. What I couldn't understand is how they could close my account but still pull money from my account. Shouldn't that autopay be deactivated once the credit card relationship was terminated? Instead they kept the autopay function on and pulled all the money from my account to pay off the balance. I was left with no money and since I couldn't use the card no credit. To add insult to injury instead of getting a letter that says my balance was XXXX I get a letter in the mail today XX/XX/XXXX that says I owe {$99.00}. When I did some investigating I found that they hit me with a finance charge for interest after the account was closed and balance was settled because they knew I wouldn't be paying attention and they could hit me with a of {$40.00} late fees. I could not imagine why they wouldn't just settle the account when they closed the account and pulled the balance. I was under the impression that the account was closed and there would be no further balance. Instead, they waited and charged me tons of interest on finance charges plus late fees. If they closed the account they knew I was under financial duress and chose to take advantage rather than offer any sort of solution. When I called I simply get told they are valid charges under their manipulating fine print terms and agreements that they know the majority of people won't read in its entirety or quite understand without consultation from a lawyer. What I am asking for is for Capital One to do the right thing and not charge me fees in excess of 200 % of what they fee I owe for a finance charge of {$14.00} that they could have easily have waived for me understanding they had already collected enough fees from me. I ask that you help me however you can and hopefully this sheds some light for those who struggle everyday with credit card providers. 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've noticed that there is still an incorrect account listed as correct on my credit report. I've already sent in letters demonstrating the accuracy of the information, but it hasn't been corrected, therefore the false information still exists. 

This is against 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that disputed information be properly investigated and corrected. I am asking that you look into this again right away and either remove or correct the false information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  account Bank of america Credit card, has violated my rights. 15 USC1681 Section 602 states i have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : Also states a consumer reporting agency can not furnish a account without my wrrriten Instructions.

15 USC 1666B : A credtior may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the website of www.equifaxsecurity2017.com because of the recent identity theft that Equifax reported on over 100,000,000 consumer files. I found out that my file probably had been compromised. I followed the instructions and was told I would received an email in several days. This was onXX/XX/XXXX. I checked my email again every day including Spam etc., but no email! I re-enrolled again on XX/XX/XXXX and received an email 0n XX/XX/XXXX from XXXX, not Equifax. I remembered that was the Equifax Product that was being offered for free. Had I not known of that I would have deleted thinking it was Spam like so many other people would. I think this is a way that Equifax is trying to get out of offering this for free! Also, When I followed the instructions on line from XXXX it told me to call a XXXX number and ended up in the XXXX and talked someone that has my personal information and had broken XXXX. I think that Equifax makes it difficult for consumers to obtain their products for free when they are the ones that are responsible for the Identity breach. I also know 2 other consumers that never received the email or thought it was spam!
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with the Fair Credit Reporting act XXXX XXXX Account # 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 cannont furnish a account without my written instructions
Product: Debt collection

I had an account with XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX ). I called and emailed them to cancel my account because they debited funds from my account on XXXX separate occasion without my permission. On XXXX, I cancelled my service with them and mysteriously the same amount that was debit from my account was sent to collections. On XXXX spoke to XXXX and was informed ( XXXX XXXX XXXX do not owe us anything you have a XXXX balance and your account is closed ). I also informed XXXX that I was receiving a collection notice and they appeared to not have any knowledge of anything being sent to collections. On XXXX informed the collection agency A.R.M. that I do not owe XXXX and that they were paid in full when I closed my account. The A.R.M. representative told me that I needed proof that I paid it. I stated my account was closed without and XXXX claims not to have any knowledge as to why I am receiving collection notices from your A.R.M. 

At this point I am feeling harassed and bulled by the attempts to collect on a debt that I do not owe in order to protect my credit. I to make these tactics made known to the public to prevent from being pressured and harassed into paying debits that you know you do not owe to save your credit rating. These companies should not have the ability to fraudulently say a consumer owes a debit that is not truly owed. 

Please help, by holding these XXXX companies accountable for falsely reporting my account to collection and then trying to repeating collect on a debt that is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported as closed by consumer. However, this account is " open '' and has never been late. This account is also being reported as derogatory. This account should be displayed as open and current.
Product: Debt collection

On or around XX/XX/XXXX I received an email XXXX dba Resurgent Capital Services and Pinnacle XXXX  Services LLC stating I owed a debt from XXXX for XXXX XXXX. I sent an email stating to validate the debt noting that the debt was over 15 years old. I never heard else until XX/XX/XXXX. 

I received a letter in the mail from another debt company XX/XX/XXXX called XXXX XXXX XXXX, requesting triple the amount of the original debt, in addition XX/XX/XXXX the same letter from XXXX dba Resurgent Capital Services and Pinnacle XXXX Services LLC validating the debt.

This debt is not mine as I have informed them and it is very unethical for two to be collecting on the same debt for two different amounts.
Product: Credit reporting or other personal consumer reports

According to the FRCA, the credit accounts below have violated my federally protected rights of privacy and confidentiality under codes 15 USC 1681s-2 ( a ) ( 1 ) - ( c ) and 15 USC 1681 s602A.I, the consumer, feel as through XXXX did not protect my rights It has been brought to my attention, through XXXX XXXX XXXX , that my personal information has been exposed in a National Data Breach that occurred in XXXX of XXXXAfter carefully reviewing my credit report, I have noticed several unfamiliar accounts. 
*XXXX XXXX XXXX ( XXXX XXXX ) *XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( XXXX XXXX XXXX  XXXX ) *XXXX XXXX XXXX  ( XXXX XXXX XXXX ) *XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXXXXXX ) *XXXX XXXX XXXXXXXX ( XXXX XXXX  XXXX ).
Product: Checking or savings account

I opened a Wells Fargo account in XX/XX/year>, per email I was eligible for a XXXX XXXX bonus if I completed certain terms within XXXX  days. I completed the terms. When I called to ask why I hadn't received the bonus I was told that she didn't see anything in my account and would not be receiving bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a letter certified mail to NCAC to valid debt in about of {$740.00}, NCAC responded with the original debtor " XXXX XXXX XXXX '' ledger with an excessive carpet fee for {$320.00}. I responded back to NCAC certified mail with pictures taken from Move Out of the entire apartment with no carpet stains. I also sent a copy of a letter from my Lawyer that was forwarded to original clienXXXX XXXX XXXX stating that the debt was incorrect. As stated in the legal document, the silence was taken as a confirmation that the amount was incorrect. Yesterday, I spoke with a representative to follow up on the status of my response. The representative stated that " he received the pictures of the apartment. Apartment companies can add fees if you do n't have a move out inspection and next time have an inspection to avoid false fees. '' He then went on to explain how he would delete the debt from my file for a settlement of {$420.00} however he could not put it in writing. I have to pay first then he will delete from my file.
Product: Money transfer, virtual currency, or money service

Venmo... .received XXXX payment and in the comments it said for washer and dryer which was a personal washer and dryer. Venmo then proceeded to freeze account saying I violated some rule. I have provided all paper work and items requested and have since frozen PayPal account saying I needed to pay that account off in order to access the XXXX plus dollars in the venmo account. I have sent demand letter already with only response being that I can not have my money and have permanently closed my accounts
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to Experian in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Care Credit Synchrony Bank, I applied and was accepted for 0 % interest in XXXX. I already had an account for years but they closed it and never notified me. The only reason I applied was to get my account back and a 0 % offer. 

I was approved and used the card and was charged 14.9 %!!! Synchrony Bank would not help me, claimed it was the providers fault. The provider said they used 0 % and told me Synchrony Bank would not help at all and correct the huge error that was not the providers or my fault.

I would have never applied or used any card that was 14.9 %. Never. 

Then they made my payment due right away and didn't notify me. Reported a late payment and charged interest multiple times. I will never use Care Credit again. This hard inquiry cost me lowered points on my credit score that I work hard for!! I feel like this was a total scam. 

I want the card and interest rate rescinded and my credit score restored to what it was prior to applying. I had a drop in like XXXX points!!! Thank you.
Product: Credit reporting or other personal consumer reports

I bought a vehicle from a company called XXXX XXXX in XXXX XXXX TN. I paid for a XXXX XXXX XXXX bi weekly. One day the company shut down and put a paper note on the door stating we now make our payments to XXXX XXXX XXXX  No other notices or papers were given. This was extremely unsettling and sketchy for most people. I did continue to pay my note but this was never reported to credit bureau. On XX/XX/XXXX I traded the vehicle in to XXXX XXXX  in XXXX TN and they paid off the remaining {$3700.00} of this loan. XXXX XXXX XXXX conveniently started to report to the bureaus on that day XX/XX/XXXX and is saying that I still owe them the money when I do not. They have a habit of texting their customers and advised me that the loan was paid off but I supposedly owe them {$600.00} for a balloon payment. If this is even the case why do they keep reporting back to the bureaus that the information is correct on my credit report when it is not? The loan is paid off and I do not have possession of the vehicle any longer!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite me always paying my bills on time and having low utilization of my available credit, my score dropped from over XXXX to XXXX. My report indicates the number of inquiries is problematic. Credit inquiries from Capital One and XXXX XXXX, using my name have been made that I did not authorize. An inquiry was also made by XXXX but they removed it once I called. Capital One and XXXX XXXX have a process. 

I have a lock on my credit so a card wasn't issued but the inquiry is negatively impacting my account. 

I am not sure how inquiries can even be reported if the application wasn't fully processed.
Product: Debt collection

I received a letter only, never a call from a collection agency about a debt for tuition. I had federal financial aid for the courses but the school returned the aid when I could no longer attend due to XXXX. The school never sent me correspondence or called about the debt so I did t know it existed until XXXX when I received a letter from a company requesting the money. I sent the collection agency a letter disputing the charge as I had spoke to the school when I withdrew and was told everything was fine and no one from the school mentioned a balance. The collection agency did not respond to my request for supporting documentation and this date I received notification from all three credit bureaus that the account was in collections. This is low affecting my credit score yet I had no opportunity to review documentation supporting the debt. The school was XXXX University and the debt collector is Account Controls Technology. 

I have worked hard to protect my credit and this is u fair reporting as so should have been afforded the opportunity to review the supporting documentation of the debt to determine my responsibility.
Product: Credit reporting or other personal consumer reports

Credit report agency continues to report incorrect information and is improperly reporting per FCRA. Identity theft had been recorded with social security, federal trade Commission, attorney general, etc. As a victim, the agency is required to instantly blocked transactions within 4 days ( 15 USC 1681 ( C ) ( 2 ) ) and 5 days ( 15USC 169 ( G ) ( A ) ) to validate debt with proof. It has been over six months dealing with this fraud. 
All communication must be USPS no phone calls will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in all required documents to the credit reporting agencie Experian that I was a victim of identity theft and showing the accounts were not mine. I have disputed these items for over a year and nothing has came across to show that I owe this debt. I have even disputed again XX/XX/2018 and got a response back XX/XX/2018 with no investigation it vervication again saying they will not change or look into it. I have ask numerous times please show Me a contract or something showing that I even owe this account and nothing has happen. I called the creditors as well and nothing this is my final plead to get this resolve.
Product: Credit card or prepaid card

A charge for {$9.00} is being put on my TD BANK Visa card since XX/XX/2021. XXXX  is the company. I have tried to communicate with this company, this can only be do by email. I have tried to solve my problem this way to no avail. I have been given many so called support ticket numbers, but the company said they cant find a account for me. I have discussed this with my local TD BANK branch. They have changed my credit card 3 times, charges continue.
Product: Checking or savings account

I would like a full investigation in what is taking place with my funds. I want access to my fund immediately and any fees added due to this issue- refunded. I Would like the CFPB to also provide their investigation and any fines that capital one would be responsible for.
Product: Mortgage

I could not access my account online and the phone tree system was non-responsive to touch-tone entries. I called at XXXX XXXX to XXXX. I 've tried multiple times to reset my password online and the web form simply states I have incorrect information, but I really do n't know what to do to gain access to the account since I do n't know what information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 i sent a letter to transition disputing information for names and addresses that did not belong to me I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to the 3 credit bureaus that I have a public record. I have no knowledge of this public record. I have disputed this debt with XXXX and the 3 credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting this account accurately. What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify it? Please provide me with the name of that individual, their company title, and the telephone number as well as copies of the documents that they used to verify that this disputed item is being reporting accurately.
Product: Debt collection

Advised to the company that this debt does not belong to me. I have asked for documentation showing that this debt is mine along with signed documents by me proving this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.