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

Im submitting this complaint against CAPITAL ONE due to their total indifference to my consumer rights under the FCRA. For months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company since XXXX. I opened dispute with all credit bureaus have requested this fraud account be removed from my consumer file immediately. In all failed attempts every customer service rep I spoke to at capital one doesn't have any recollection of any of my previous calls " but their calls are all recorded ''. Capitol one never mailed letter as discussed acknowledging fraud account for my records. As of today XXXX capital one refuses to remove inaccurate information on my consumer file and work with credit bureaus to remove fraud account on my consumer file
Product: Debt collection

On XX/XX/2022. Frost-Arnett contacted my wife by text message about a XXXX  debt that I have never seen or have been sent any info for. I have never had any dealings or done any business with Frost-Arnett XXXX They sent two separate XXXX XXXX containing a medical debt that I have never been billed for.
Product: Debt collection

I am writing to inform you that the attached communication is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the following violations have occurred : 15 USC 1692e ( 10 ) - The communication falsely implies that the borrower 's credit rating may be adversely affected. The statement " Negative information on a credit report may adversely affect your credit rating and can stay on your credit report for up to seven years '' is misleading, as the length of time that negative information stays on a credit report is determined by the credit reporting agencies and is not within Sallie Mae 's control.

15 USC 1692c ( a ) - The statement " This is an attempt to collect a debt and information obtained will be used for that purpose '' suggests that Sallie Mae is a debt collector, but Sallie Mae is a private bank. This is a violation of the FDCPA, which requires debt collectors to clearly disclose their identity in all communications.

15 USC 1692d ( 6 ) - The phone number provided in the communication directs the borrower to the Collections Department, rather than customer care. This is misleading and makes it difficult for the borrower to seek assistance with managing their account.

15 USC 1681s-2 ( b ) - Billing statements have been inaccurate and payments are lost in the mail, and Sallie Mae is reporting them as late to credit reporting agencies. This is a violation of the FCRA, which prohibits furnishers of information from reporting false or incomplete information to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On experian it show XXXX XXXX XXXX  loans both different amounts and open at different time. I never received documents of amount owed once account was closed. All 3 credit bureau show different closed dates and information. Student loans closed paid in full on experian and XXXX  but shows open with balances owed. All student loans are satisfied. Different amounts past due on credit card balances and different dates. Experian has duplicate reports of same accounts. This has lowered my score drastically with improper reporting and duplicating accounts as well as incorrect reporting. I've disputed items with the credit bureaus with no resolution.
Product: Debt collection

I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Product: Credit reporting or other personal consumer reports

The reporting of accounts from XXXX, XXXX XXXX, and XXXX and the others ive listed in the letter attached continues to be inaccurate, with no substantiation from the companies involved. These errors, which have been disputed but not corrected, indicate that fraudulent data may be contributing to the discrepancies in my credit report. XXXX 's failure to block these accounts, as required by the FCRA, has resulted in a negative impact on my credit score, causing unnecessary financial harm and demonstrating that fraudulent activity is being allowed to persist.
Product: Mortgage

For the FIFTH month in a row Round point failed to apply my payment correctly. I've submitted MORE than the amount due. I've called and informed them how I'd like the payment applied and they continue to ignore my request and fraudulently charge me a late fee.
Product: Payday loan, title loan, or personal loan

I applied for the loan and was approved at the beginning of XXXX ( XX/XX/2021 ) The money was deposited into my account for the total of XXXX into my bank account through direct deposit. I was not informed that the apr would be 499 % Nor was I able to print the fees, and paperwork from the agreement. The gentleman on the line was continually pressuring me to sign while I attempted to read the agreement. 

When I opened the portal for the loan to see what my monthly payment would be ( I was not informed of that either ) I found out it would be XXXX a month. I wasn't sure why it was so high. I called with the intent to defer the first month and the customer service gentleman then told me my apr was 499 %. When I told him it was outrageous he did not offer any solutions and would not attempt to help me in any way with this. 

The loan currently before any payments have been made stands at the balance of XXXX. This is set to go up at 499 % each month. There is no way anyone can pay this exorbitant amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XXXX, XXXX I had a credit score of XXXX with Experian, my score fell XXXX points after I filed disputes in XXXX, when I checked my credit report I discovered that Experian re-calculated my score with old information that had been verified by the creditors as correct, there were no positive or negative new information added or subtracted. I filed disputes for six accounts each was previously closed showing charged off, in the body of the report a few of them also said " paid off or paid as agreed '' but the status was still showing charged off! One of the most egregious of these was one where they're showing an account with XXXX XXXX as 60 days late but that was for an account that was paid in full and closed in XX/XX/XXXX, It reflects on another open account I have with XXXX XXXX that's never been late since XXXX, XXXX! The way they calculate their scores are inherently wrong because when they inquire a creditor to update a dispute and the information doesn't change from what was originally on the report they should not recalculate the score as new information ... this is why my score dropped, due to my disputing closed accounts! A debtor has the right to inquire about the status of an account without being penalized twice for the same information only Experian does this! It is a form of double jeopardy. They claim that they are calculating the updated information but this should only be noted as recent activity not wholly, recalculated. If the information sought doesn't change from the creditor neither should my score be impacted due to my inquiry. Further, I was recently damaged by the sudden drop of my Experian Score from acceptable to not acceptable, I would've qualified for a refinanced loan for my car but they erroneously dropped my down causing me to be declined!
Product: Payday loan, title loan, personal loan, or advance loan

I referred my friend using Sofi personal loan promotion offer. My friend received her XXXX after approval but I have not been paid. I called them many times but they never helped me. Finally on XX/XX/XXXX I received an email from Sofi stating Hello XXXX, While reviewing your account, we determined that you participated in a SoFi promotion for Personal Loan Referral Program, but did not receive the bonus payout. 
To make this right, SoFi will provide you the total bonus of {$300.00}, once you complete the two items below. 

I have completed the steps but I have still not received my bonus payout and their customer service wont help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX I have never done business with these companies.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with the relevant credit bureau ( Equifax ) requesting that they verify the accuracy and legitimacy of this account in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify this account correctly, despite their legal obligation to do so. As a result, these charge-off account remains on my credit report, causing significant harm to my credit score and overall financial situation. 

The detail of the account appears as follows : Account Number : XXXX Creditor : XXXX  XXXX Last Reported : XX/XX/year> Since the credit bureau could not verify the accuracy of this account, I have reason to believe this account is fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent account remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports.

I Attached to this complaint : the dispute letter, FTC report, identity and address documents, account disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced and my ex spouse was deeded the house in divorce. He never refinance with XXXX XXXX XXXX so my name was still on the loan. I was assured, in divorce that this account could not affect my credit because the property was deeded to him. I have no legal rights or obligations to this home. My ex spouse is in the process of selling this home and has missed a payment. It is reflecting in my consumer credit and avoiding me to seek options to purchase a home. Ive submitted documentation about the deed that was recorded. I desperately need this blemish removed from my credit reporting
Product: Credit reporting or other personal consumer reports

Didn't receive a check from Lexington Law or XXXX XXXX I dealt with both company
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN ; THIS LETTER IS A FORMAL COMPLAINT THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION. 

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF ORIGINALLY SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 


DUE TO THE COVID-19 THE CREDITOR STATES ON THEIR WEBSITE THAT XXXX XXXX IS OFFERING PAYMENT PLANS PUTTING PAYMENTS ON THE BACKEND OF THE TERM LOAN UNTIL THE COVID PERMITS NON ESSENTIAL WORKERS TO RESUME WORKING I HAVE DOCUMENTATION & TO PROVE SO RESPECTFULLY, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on many occasions to update inaccurate personal information that Experian is reporting to date but have no success. I do not receive mail, do business or reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. In fact, My only correct address is XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX which is listed on my drivers license that I have sent into Experian via certified mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is inaccurate, and Experian is reporting inaccurate information. Inaccurate reporting violates the FCRA. 

The only address that should be listed is as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. Proof of this address was enclosed in a certified letter mailed to Experian in order to verify my only address. 

I request that they delete the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted.
Product: Checking or savings account

Closed account on XX/XX/XXXX but still havent received anything as of XXXX XXXX
Product: Checking or savings account

Continue to have problem login Chase and mismanagement of reverse of fee they take to the money away from me when then should add to my account please investigate
Product: Debt collection

CCS Collections has reported adverse information on my credit report with the three reporting agencies. I have never heard of this company nor have they attempted to contact me in any way ; by phone, mail, etc. They have not given me the right to request verification of this debt and/or dispute this debt.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX Balance Owed : {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.
Product: Debt collection

Chase is continuing to report a mortgage that was opened in my name without my consent. I have disputed the debt with the credit bureaus and have submitted an official police report. the entry is effecting my debt to income ratio and I 'm suffering damages because I ca n't get approved for what I need. Please make not of this complaint and help me to resolve it quickly.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at around XXXX XXXX I was victim of internet crime. I was trying to make a transaction of money from my XXXX account into my Coinbase account. 
I was trying to convert Tron in lite-coins in my XXXX, in order to send to my Coinbase account and I couldn't, and so I decided to call to XXXX Customer Support number I found on XXXX. I called and immediately someone answered by the name : '' XXXX ''. He said he would help me resolve the issue and instructed me to give him access to my XXXX account. Then he said there was something wrong with my Coinbase account and that this was the reason for why i was not able to do the transaction. He then asked me to give him access to my Coinbase account. Within a minute, I had no balance on my Coinbase Account, where I previously had 2 bitcoins and 8 lite-coins for an amount of {$22.00}. I asked him why my balance was at XXXX and he said that I would have to wait a couple of minutes an the hung up. In my desperation, I called again and no one picked me up. I searched for other number to call and they did not pick up either. I finally received a call back from one of the numbers I had previously called. I spoke to " XXXX XXXX '', and he told me I was hacked, and that in order to retrieve this money I would need to send him {$1000.00} in Gift Cards. I did not believe this and hug up. I have contacted to coinbase immediately explaining and they told me to file this report at that time. 
The numbers that I called were supposed the Customer Service Support of XXXX are : XXXX - this is the initial number I called, where I talked to XXXX. 
XXXX - Extension XXXX this is the number that called be back and asked me for XXXX $ in Gift Card, XXXX XXXX ... and few days after still was calling me at home. 
XXXX ; XXXX ; XXXX ; and XXXX, these number are still on XXXX as a XXXX Customer Services, and timing every day. They do not only stool my 2 bitcoin and 8 litecoins from Coinbase, they also stool my IOTAS and TRON from my XXXX Account ( around {$3.00} ) I am so desperate. 

In other hand I had Money in transit from my bank account to Coinbase at that time for XXXX $ us that is why this hackers did not took that amount too. Coinbase sent me a confirmation of that amount arrived on my account on XX/XX/XXXX, but I couldn't see even that statement, because since Coinbase knew about this problem and received this complaint, they blocked my account I understood that, but since that time, I have been calling every day ... but nobody tell me what is going on, I dont't know nothing about the amount of XXXX $ and even they told me that the other amount of XXXX $ is on my account, I never have access to my account, they said that they will communicate with me, but it is almost one month, and I don't have any news from y money or my account.
Product: Credit reporting or other personal consumer reports

My account with this company was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This COMPANY never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I NOTICED MY CREDIT SCORE DROPPED BY XXXX POINTS AND I HAVE 30 HARD INQUIRES ON MY ACCOUNT THAT I DID NOT AUTHROIZE I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT