23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent a payment in as I always do. I have been using the   XXXX   XXXX   for years. I do not know why my bill was sent to collections ( that is what I asked them ) When I am sending payments. It went to collections without notice to me. Again I just made a recent payment on this account I have NEVER not paid a bill at   XXXX   XXXX   XXXX   as I said I use them often. When I called Transworld they acted like they did n't even know what they were doing. The guy kept asking me for  a 5 year old address??????? After 20 min. on the phone he then told me he could n't take any payments I do n't know if this company is legit??? I did call   XXXX   XXXX   as well and they told me they do use Transworld but the call to the m was very fishy?? Just a confusing experience. My bal. is  XXXX . I usually get a settlement offer caus e I p ay cash. I made a payment of  XXXX  when I received the first bill. I usually get another bill and I always summit another payment. This time it went Straight to collections after the first payment?????? The first bill was on  XXXX  /  XXXX  /  2017 . The guy I spoke with  at Transworld was very weird. Thank yo u for your service!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to CORELOGIC CREDCO LLC. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card or prepaid card

I received a debit card from the state of Colorado, issued by USBank that I do not want. It is for unemployment benefits that I do not subscribe to. I do not get benefits nor have I applied for benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made on time payments from a payment plan and they have not shown those on time payments. Loancare has sold my loan to a serving company XXXX XXXX and should remove or rename my account to show that true information. They have refused to do so multiple times and they have not done their research into this matter. I will be getting an attorney if this is not deleted for false reporting.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Fraudulent Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately. The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was incarcerated for several years and was only released within the last six months. It is impossible for me to have opened or managed these accounts during that time. These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation. I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts. Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report. This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights. I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me. I trust you will take this situation seriously and act accordingly. XXXX XXXX Account info XXXXXXXX XXXX  XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account info Account number XXXX Credit Pull On My Report : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear All, I'm writing this complaint concering the three credid bureaus because i believe that they dont use correct criteria or use information in a wrong way to calculate one 's credit score.

In my case, I recently found out that my score dropped down 781 to 744 without any obvious reason. Indeed, looking at what has changed, I saw the following report : 1. Balance increased in one account by {$520.00}. This card statement balance is paid automatically every month. All my cards are paid automatically, every month. 
2. Balance decreased by {$53.00} XXXX XXXX XXXX XXXX ) Balance decreased by {$14000.00}. I paid off my auto loan ( XXXX XXXX ). 
Balance decreased by {$100.00} ( XXXX credit card ) 3. XXXX XXXXXXXX XXXX was closed. The only I know is that paid off my loan. I was not asked wheher to keep or not this account. 
After this, I'm trying to figure out what is wrong with my account and wonder why?!!! 
Am I punished because I have all my payments made on-time 100 %? 
Am I punished because I paid off my auto loan? 
Am I punished because I keep all credit usage below 8 %? 
Please, I would appreciate if the three bureaus investigate this issue and restore my credit score, which I believe it should be around 820. 

Thank you very much for your consideration. 
Kind Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the XXXX, XXXX and Experian data breaches and identity theft. These papers must be frozen immediately until the inquiry is completed, according to FCRA section 605B.
Product: Checking or savings account

Capital One has been dealing with " technical issues '' since XXXX XXXX, and the issues have not been resolved as of XXXX XXXX XXXX. Myself, along with millions of other customers of Capital One have not received their direct deposits, and some not even being able to access their accounts. The only response we have gotten from the company is that they are working to resolve the issue as quickly as possible. However, it has been over XXXX hours since this " issue '' started and still no one is able to access their hard earned money. Many Americans have no choice but to live paycheck to paycheck and this has caused a tremendous inconvenience for me and others involved.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and falling to adequate notify consumer of dispute outcomes. These failure aligns with my experience, where Experian has neither corrected nor removed disputes items despite the evidence I provided, causing ongoing harm to credit report. I already filed for identity theft cause of all these false inquiries and fraudulent credit cards and other fraudulent accounts on my credit report. Im requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

these inquiries are unauthorized and they are not related to any transaction by me According to the 15 usc 1681 law there should not be any damages in my report its defamation to my character these are all the inquiries on my report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX 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 or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CAPITAL ONE to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account CAPITAL ONE - XXXX Last XXXX digit SSN : XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally request the removal of certain inquiries from my credit report. Upon reviewing my credit report, I noticed several inquiries that I believe were made without my authorization or are no longer relevant. I kindly ask that you investigate these inquiries and remove any that were made in error or without my consent in accordance with the Fair Credit Reporting Act ( FCRA ). 

Additionally, I would appreciate receiving regular updates on the progress of your investigation and a clear timeline for when I can expect to see these inquiries removed from my credit report. Below are the details of the inquiries I am requesting to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want these items to be removed off my TransUnion report as they were all a result of Identity theft and I have asked this many times in a complaint to each company no response. I have uploaded my identity theft report as well. I will seek violation damages if these items are not removed within 72 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several in accuracies. Under the FCRA section 623 everything on the credit report must be 100 % accurate, verifiable and complete. I have made several attempts to correct this error but with no avail. First, the balance showing on my credit report for XXXX XXXX XXXX is {$41000.00}, The amount showing as the original loan amount is {$6000.00}. The account also shows it was open XX/XX/2015 but there is a payment showing XXXX XX/XX/2015. There are several missing payments throughout the term of the agreement, based on the information I have giving you is a fact that this information is incorrect and the Credit bureaus and Creditor has stated this information is accurate. This is a clear violation under the FCRA guidelines and Experian has violated my rates by not verifying the information as required.
Product: Debt collection

I have previously notified this company that I did not owe {$2400.00} I have spoken with the lender that the money for financial aid was owed I also informed this debt collector that I do not owe any money I also submitted a letter indicating this debt collector that the debt is not owed and paid in full on XX/XX/year> XXXX
Product: Debt collection

My son went to the hospital twice in 2016 for XXXX issues. He was released the same night, my son has been insured with XXXX insurance since the day he was born, I provided the hospital with his information. A few months later, I receive two letters from debt collectors saying that I owe {$500.00} for each visit. I immediately called and informed the agent that I don't owe anything, his insurance takes care of his medical visits. I tried to give his info to the collection agency and they refused to take it, they said that I needed to contact the hospital. I called the hospital and never received a call back. Now they have these remarks on my credit report which is hindering me from purchasing a home.
Product: Credit card or prepaid card

I filed with the cfpb, they have closed my account XXXX, but nothing has been resolved. I have a credit on my Capital One credit card, due to my diligence, not theirs and I still can not redeem the rewards I have earned. This is not a resolved or closed account. I have spent three months waiting to redeem my rewards. I have paid Capital One in full every month I have owned their credit card, for many many years. Why am I unable to redeem the rewards I've earned? This is unacceptable on cfpb 's part and Capital One 's part. It is not resolved!!!!!!!!!!!!!!!!!!! ( I have lived at my present address for 19 years, am a XXXX  XXXX  for over 40 years. ) Do your diligence and clear up this problem. NOW This is definitely a case of discrimination not fraud. I've noticed no fraud whatsoever on my credit card and watch it like an eagle. They have copies of my passport, passport card, front and back of my driver 's license everything they have requested after the letter sent. This is way more than 60 days. 

Both the cfpb and the Capital One credit card have not cleared this situation.
Product: Credit card or prepaid card

Complaint regarding Capital One - employee ID XXXX and the company in general : On XX/XX/XXXX, I made a credit card payment of {$500.00} to may Capital One credit card ending in XXXX, which was 5 days before my minimum payment of {$250.00} which would have been automatically scheduled to be paid on XX/XX/XXXX. 

After my payment was confirmed as withdrawn from my bank ( XXXX XXXX XXXX account ending in XXXX ), Capital One showed that the payment had officially posted on XX/XX/XXXX. 

At that time, Capital One stated my automatic payments were setup to pull only the minimum amount due on my card. The same page displayed that my minimum amount due on my card was {$0.00} - no payment was due, no minimum payment due. 

On XX/XX/XXXX they still however pulled {$250.00} from my XXXX XXXX XXXX  account ending in XXXX despite saying {$0.00} was due to be pulled. 

When I called, I was referred to a supervisor - ID XXXX. She indicated that there was nothing she could do and that it will always pull automatic payments unless I cancel them directly. I understood this, but told her Capital One showed my minimum payment was {$0.00}. After discussing it further, she said the only way to reverse a payment would be to mail a physical check to me, which could take quite a few days, and this puts me under extreme duress. 

When I mentioned that I know they have the technology to do an ACH reversal to the bank account it was pulled from she acknowledged saying " yes, but this is not our policy ''. 

I then asked if I could talk to any other supervisor who could look into listening to my circumstance as I'm under extreme financial duress and she would not refer me to anyone else, saying she was the manager, and I couldn't talk to anyone else.

I asked if I could have a link for a survey, and she told me that they only send out surveys to random calls, and would not give me any means of submitting any complaint to anyone. 

My only choice has been to submit the complaint here, in hopes that someone can pass this review to Capital One so they can listen to the recorded phone call I made today, XX/XX/XXXX at XXXX Central Time. 

No one offered to look into my situation a little more, or help me reverse a payment any quicker than sending a check, and I felt pressured to get off the phone with no solution. If the recorded phone call is listened to, one can tell I tried to approach this with patience and understanding, but when I don't get anyone who will try to empathize or even give me a chance to submit a complaint, I feel that doesn't meet CFPB guidelines to protect consumers - as there's also no where on Capital One 's website where I can send an email - and I'm resorted to sending a letter by mail because when I call back, I get the same level of management - no one else will pass on my complaint.
Product: Vehicle loan or lease

Received an offer letter for Auto refinance from AutoPay and the letter clearly stated that I was Pre-Qualified to refinance my current auto loan with a new lower rate of 5.28 % and a lower payment than I am paying now. 

I used the online QR code to fill out their paperwork and provide documents on Saturday XX/XX/year>XXXX  On Monday XX/XX/year>XXXX  I received a call from their Representative XXXX asking a few more questions about the vehicle and in the conversation I asked about the rate. His first response was one of disbelief that I was offered the rate of 5.28 % and that he thought it would be more in the mid 6 % range. 

He finished collecting the info he needed and said he would call me later in the day. At XXXX XXXX  I received a call from XXXX and he said he had secured an offer from a lender at XXXX % to which I laughed and told him that this was an unacceptable tactic and that it was clear bait and switch. 

XXXX called me on a recorded line and I let his company know through the recording that this was not at all what was offered in the letter and was clearly a bait tactic to get me to apply. 

This company has now caused harm to my credit by running my credit report and offering a rate that is clearly not even close to their stated rate in the letter. There is no * or other note near the rate to indicate that this rate might be higher or differ from their offer. 

I have very good credit and even XXXX indicated that this rate is not available in the call. 

The simple truth is that this letter was designed specifically to bait people in knowing they can not even offer a rate this low. 

Auto pays phone number XXXX and their Representative XXXX phone Number is XXXX. AutoPays website : XXXX
Product: Credit reporting

I have a charge off in my credit report. I have paid the balance with XXXX. They told me they would report to the credit Bureas to change the remarks from Charge off as bad debt to pd in full as agreed. Since the payment company has said the sent the info to transunion, But i have called transunion a few times with the response they can not change my report. I have been working hard to pay past debts. Going forward maintaining a good credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a letter telling the bureaus that I've been a victim of identity theft bring it to their attention They did nothing in the matter of resolving my issue
Product: Credit card or prepaid card

On XX/XX/2018 at XXXX XXXX I received a {$100.00} gift card from XXXX XXXX XXXX, XXXX Florida as a thank you for visiting and learning about their time share plans. I was told to activate the gift card which is from US Bank and the funds would be available immediately. I called and actived the card around XXXX XXXX that same day. I was told there was a XXXX  balance because there was a {$100.00} transaction at XXXX XXXX   on this gift card ( before I even received and activated the card ). Went to the XXXX XXXX XXXX office and they called US Bank and was told that US Bank was updating their system and give it 2-3 hours. I gave them over 12 hours and called US Bank back at XXXX XXXX  on XX/XX/2018 and was told there is no funds available. They show the {$100.00} added to the card and now no transactions. Now US Bank is saying we have to wait 3-5 business days to get this resolved. Per US Bank I am not the only one calling and complaining.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$1200.00} XXXX  XXXX - XXXX - {$580.00} XXXX XXXX XXXX XXXX - XXXX - {$3400.00} XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments. 

2.XXXX  XXXX date of last activity is different on each bureau, XXXX is reporting on time payments, each bureau is reporting a different high credit amount.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.