23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX, CA - XXXX XXXX/XXXX/XXXX Capital One XXXX XXXX XXXX, XXXX, VA XXXX RE : CFPB CASE # XXXX - Respond not a Fair Enough Capital One Account # XXXX Dear Capital One, I am not happy your response which I received and I feel like your bank treated me very unprofessionally and I feel like always discrimination. 
Your Bank approved XXXX/XXXX/XXXX removed XXXX late payment all major credit agencies .I have a evidence response from XXXX . ( I attached hard copy your reference ) Response ( XXXX CFPB Case number : XXXX ) We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, we initiated an investigation with Capital One # XXXXand they removed the late payment reporting XXXX. However, we received another request on XXXX/XXXX/XXXX to investigate Capital One # XXXX. In response, they re-added the late payment for XXXX. After reviewing the activity on your file, along with the information in our data base, we have removed the late payment reporting XXXX and taken precautionary measure to prevent the late payment from reporting in the future. You may wish to contact Capital One directly to ensure the account is reporting accurately in their database. 

On XXXX XXXX XXXX Completely deleted on my credit file. 
After seen my XXXX report still remains late payments XX/XX/XXXX.on XXXX XXXX XXXX I requested to removed that late payment XXXX via CFPB ( case # XXXX ) .your bank response was they accurate information reported. ( Response attached ) So after that your bank reported to re -added on XXXX my credit file on XXXX can clearly understood your bank treated me very different way and this is discrimination. 
XXXX already deleted and in future no more late payment on XXXX. So why your bank not help me out to delete XXXX late payment XXXX Please consider all facts and due to maintain good XXXX accounts capital one ( Last XXXX # XXXX / XXXX ) Please removed XXXX late payment XXXX account number ending XXXX. 

Really Appreciated Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute certain information in my credit file identified during a recent review of my credit report. The details I am disputing are not accurate and reflect inconsistencies that could impact my creditworthiness negatively. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( e ) ( b ), I request an investigation into these inaccuracies to ensure my credit report reflects only accurate and verifiable information. 

The specific inaccuracies I am disputing are as follows : Original Lender Name Inconsistency : My credit report lists the original lender as Progressive with XXXX and Experian but XXXX XXXX  with XXXX. This discrepancy may lead to confusion or the appearance of multiple debts instead of one. I request that this information be corrected to uniformly reflect the accurate original lender name across all three credit reports. 

Agency Name Variability : The collection agency handling my account is listed differently across the three credit bureausthis inconsistency could imply incorrect reporting of the collection account. The correct name of the collection agency should be uniformly reported by all three bureaus. Please investigate and update this information to accurately reflect the collection agency handling this account.

Status Descriptions Variability : The status of my debt varies significantly across the reports, from Unpaid to Collection account to an extensive description on Experian. This variation could mislead credit grantors about the true nature of the debt. I request a review and uniform update of the status description to ensure it accurately represents the status of my account.

Enclosed are copies of documents supporting my position and highlighting the discrepancies for your review. Please note, I am not requesting the information be deleted if it is accurate, but rather that an investigation be conducted to verify its accuracy. 

I understand under the Fair Credit Reporting Act, you have 30 days to complete an investigation of the items I have disputed and to provide me with the results in writing. If the information is found to be inaccurate, the law requires you to correct it or delete it from my file. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Checking or savings account

I opened a Business Account with BB & T Bank in the name of XXXX XXXX XXXX XXXX. I had a business partner who had an authorized debit card and access to the account. The partner used the card and account for personal use and the account was charged off. The business Account was open XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act Convergent, 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally request the removal of all negative information from my credit profile due to significant concerns surrounding data security breaches and inadequate dispute investigations that have recently come to light.

As you are likely aware, Equifax was involved in a major data breach, exposing sensitive personal and financial data of millions of consumers, including myself. This breach has raised concerns about the accuracy and security of the data currently being held and reported by your credit bureau. Given the gravity of this issue, I believe that it is reasonable to request that all negative items be removed from my credit report until a thorough and independent review can confirm the accuracy and integrity of the information associated with my profile. 
Additionally, XXXX is currently under investigation by the Consumer Financial Protection Bureau ( CFPB ) for its failure to properly investigate consumer disputes, leading to inaccurate or incomplete information remaining on credit reports. As a consumer, I am entitled to an accurate and fair representation of my credit history, and I am requesting that you act accordingly to ensure that no erroneous or unfair negative items remain on my credit file, especially in light of the ongoing legal scrutiny of the credit reporting process. 
Therefore, I respectfully request the immediate removal of all negative information from my credit profile. I understand that federal law provides rights to consumers regarding the accuracy and integrity of the information on their credit reports, and I trust that you will act in good faith to ensure that my credit history is a fair and accurate reflection of my financial conduct. 
Please confirm the removal of these items in writing at your earliest convenience. Should you require any further documentation or verification from my end, I would be happy to provide it. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt has been passed around quite often, and the amount keeps growing.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$10.00} XXXX XXXX XX/XX/XXXX {$470.00} Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX {$22000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries NAME : XXXX XXXX XXXX XXXX Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX
Product: Credit card or prepaid card

Two cards were opened by this company fraudulently. I have fraud alerts on my credit profile and was not contacted before this company opened these cards.
Product: Credit card or prepaid card

How are you doing during covid19 and how you during this pandemic? I was shocked when I reviewed my credit report and found late payment on XX/XX/2020 for 30 days during the covid-19 pandemic.

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed amount of {$62.00}, {$62.00}, {$62.00} owed to XXXX XXXX XXXX XXXX on XXXX, ( was on all 3 Cr. Bur. ), as unpaid-in collection. Then there was XXXX XXXX XXXX. I disputed the loan was n't mine, my information was used to commit fraud, I had talked to the company prior to this and they even told me how the crime was committed against me, but still continued to allow this to destroy my ever having credit. Amounts disputed, {$920.00}, ( on all 3 Cr. Bur. ) date disputed-XX/XX/17, then on the same date I also disputed {$410.00} to XXXX XXXX Bank XXXX dispute sent to all 3 Cr. Bur., {$85.00} due to XXXX XXXX XXXX, disputed to all 3 Cr. Bur., on XXXX/XXXX/XXXX. XXXX sent me back the inv. Results and XXXX XXXX XXXX XXXX. Was Deleteed, XXXX. XXXX was DELETED, XXXX XXXX XXXX. Was DELETED, and XXXX. XXXX. Bank was Disputed w/ info, updated. They put it back at what I knew I owed {$300.00}. Equifax, Waited 1 1/2 hrs, never answered. They sent me back a result of " no change '',. Equifax, is absolutely unwilling to help at ALL!! They sent me all around the world, never got any help. I want to also say I tried the last time to contact the creditor XXXX XXXX, it was admitted to me the manager at the time had also scammed 2-3 other customers. He would continue to reborrow money under our identity. I got cussed out ft not understanding. This was supposed to be handled in XXXX, instead he skipped town, my credit continued to get worse and worse. I had to pay unbelievable finance charges on anything I would get and then I had to use XXXX companies that on touched the WORST credit. I filled out a report on my account being frauded in XXXX.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the tradeline for my XXXX Account and Experian refuses to update the information. I have contacted the creditor and they have verified they have sent Experian updated information various times. This incorrect information is negatively affecting me and preventing me from money forward on my home ownership goals. I have also contacted Experian on multiple occasions via phone as Experian has blocked my access to dispute any information on my credit file electronically in an effort to address this matter. Experian has failed to update this tradeline for 3 months.
Product: Credit card

our citgo gas card had not been used by us since XXXX..our statement dated XXXX showed XXXX in purchase of diesel fuel at XXXX per purchase ... the cards are in our possession so we called and filed a dispute -- -we have cars which take XXXX of gas and we dont live in XXXX ... we notified both customer service and their fraud department ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX for the following accounts : Account # XXXX, Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ), Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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 Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy. 15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. Name to be deleted : XXXX XXXX XXXX, XXXX XXXX Address to be deleted : XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXXXXXX FL XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX Hard inquiries not recognized and needing removal : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, GA XXXX
Product: Bank account or service

I have a complaint about Chase Bank..I deposited a 3rd party check, I know for sure that the check is legit and the writing bank has no issue with clearing the check..Chase employees keep giving me the run around and giving me mixed information..They told me that the actual payee of the check would have to provide a phone number for them to call and we provided that info, there are actually XXXX numbers associated with her phone account that 's under her name which they say they ca n't verify any of the numbers ( how odd ) ..Then the first person I spoke with let me do a 3rd party call with the person who signed the check over to me, the second person let me do 3rd party call, of course I had to speak to several employees and still nothing accomplished, after speaking to the second person who also gave me her name I spoke to a third person who said that we could n't do 3rd party calls and also told me that they ca n't give me their name ( yes I know that she was supposed to give me her name ) to make a long story short they restricted my account and told me that once the check clears with the other bank then they will send the money back but my thing is why even let the check go that far? They should have just sent the check back to me or just cancelled the transaction out and let my account remain open considering that there is obviously no fraud in the situation because I have spoken to the other bank and everything is fine on their end..I never knew it was illegal to deposit a 3rd party check..The list of their bad customer service can go on for days, but my main concern is them restricting my account and not to mention they told me that I can put money into my account but I will never be able to touch it and that 's where all of my jobs sends my direct deposit.
Product: Vehicle loan or lease

I am eligible for a payout due to higher interest fees that shouldn't have occurred on my current car loan with Wells Fargo. I have had a car loan with Wells Fargo in the last 5 years and my payout is eligible if I had a loan between XXXX.
Product: Student loan

I took out a loan with XXXX XXXX in 2008 for a school named XXXX. The school went bankrupt and I was never able to use what I learned. Navient took over my loan, I have been paying on this loan for 11 years and nothing has gone down. This year alone I was sending them XXXX a month and they were just adding it all to interest, nothing went to principal. When I asked for the paperwork explaining why, they never send it to me, my loan went from XXXX to XXXX and it doesn't go down. When I called them about he school going out of business they asked me for all the paperwork to see if they could lower the student loan or help me. I sent the paperwork in three times, no ne seems to find it or know what is going on. I want to know why is it that if I pay extra they applied it to interest instead of principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX bankruptcy has been dismissed & closed since 2016 and was unauthorized to use ... my information was disclosed publicly without my consent used in determining my public records & banking XXXX lending process based off inaccurately reporting on all 3 bureaus... i have freeze on my social on all 3 bureaus /XXXX  XXXX  so therefore this info shouldnt be publicly given r disclosed without my consent... please investigate and send correspondence to my email @ XXXX ... ive disputed 3/4xs this year n made complaints to bureaus nothing is done...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Acct has never been late. It was an accounting issue with XXXX XXXX XXXX.
Product: Credit card or prepaid card

After a couple months of getting things in order on my credit reports, I applied for a discover secured card on XX/XX/2020 for which i was approved! Great right? Wrong! After Discover approved my application, I received a link for to have my identify verified through XX/XX/XXXX. During this time i had no access to the online platform or anything. After I sent my information to verify my identity i was told my account would be closed. WHAT! Thats absurd! Theyve already placed an inquiry on my credit report, which in return i lost a few points. They also already reported the account on my credit report which also caused my credit age to decrease.. which also caused a loss in points. This is ridiculous! So i have to deal with a new closed account on my credit, a new inquiry and i have 2 wait 2 whole months just receive my deposit back?! I didnt take that long for them to withdraw the deposit, so it shouldnt take that long to release it!