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

I have a credit card with Capital One Bank in which I have always made payments on time, for reasons unbeknownst to me, my financial institute XXXXXXXX XXXX blocked all of my payments to Capital One for the month of XX/XX/XXXX & XX/XX/XXXX. I provided Capital One with a letter directly from XXXX XXXX confirming that they made the error. 

Capital One sent me a letter yesterday in return stating that the information reporting on the credit report is correct. 

It is not fair that I am being penalized and that my credit rating is being blemished for something that is not my fault. I can also not reach anyone at Capital One to discuss - when I call up the # on the credit card I am being told that the dispute dept is a separate dept. and they do not have a phone #, fax # or email contact - only a mailing address, how can that be allowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I had defaulted on a XXXX  XXXX XXXX Credit Card sometime between XXXX. I was contacted by the XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX in XXXX. I made monthly payments for over 2 years. I can't remember when they started and I can only access XX/XX/XXXX to present statements on my account. In XX/XX/XXXX the auto draft did not hit my bank account. I called a the office and they told me I was paid in full. I asked her to send me a letter. This is right about the time my father died so I'm not sure if I got the letter or if I misplaced it. I have had several collection agencies contact me since then to collect. The Law Office phone number is no longer active. I just received another letter for collection, Dynamic Recovery Solutions XXXX. I was able to get bank statements as far back as XX/XX/XXXX - XX/XX/XXXX which show the monthly payments. If needed, I can ask my bank for more statements. Can you help me with how to proceed?
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I have tried to delete the bankruptcy included on my credit report due to inaccurate and erroneous information presented on my file. My name is XXXX XXXX and not XXXX XXXX XXXX. In addition, my address is XXXX XXXX XXXX, XXXX California XXXX and not XXXX XXXX XXXX, XXXX California XXXX. The bureaus agencies continue to claim that they have verified the information with the Court but that is completely false ; therefore the record must be deleted immediately from my credit report. Based on the FCRA, any inaccurate or false information must be removed from the credit report, in this case the bureaus lied about verifying the information with the court but the court sustained that they do not report bankruptcy or public records with the bureaus ; therefore, the bureaus are lying or the court is making false claims which I personally believe is not true. The court would never make such a claim but the bureaus do make false verifications to impose their will and damaging my credit worthiness. If you have any additional questions, please contact me at XXXX at your earliest convenience. Thank you
Product: Debt collection

Messerli Kramer bought my credit debt from XXXX XXXX They have garnished my paycheck twice now when I have been on medical assistance. They have not credited me the amount they have illegally garnished from me and continue to try to ask for more proof of me being on medical assistance over and over again. I switch jobs and they instantly ask for proof of medical assistance which i provide and they still garnish for a short time never giving me credit for the amount taken. They have garnished over {$800.00} that has not been credited to my amount owed and continue to try to garnish my checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent A cfpb complaint to experian on XX/XX/2020 by XX/XX/2020 they had already brushed it off and decided not to look into it. they said they didnt beleive I was the one who requested info. 

now so they cant say that I will be submitted my driver license social security card bank statement identity theft report I am not eligible to rent an apt because of the damage this incorrect reporting is causing.
Product: Credit reporting or other personal consumer reports

This bureau repeatedly keeps reporting the wrong information on this account. Why I don't know but I'm tired of disputing it with the XXXX XXXX and Equifax. The other XXXX bureaus don't have the wrong info only Equifax. I do believe you were just sued by this very agency for $ XXXX over this very issue. I do believe XXXX was sued first. XXXX XXXX will be next hopefully because this has been a decades long problem. I am redisputing this with the creditor as well. If you can not get the info right you are required by law to remove it PERMANENTLY!!!! Yet you've refused to do that too! I believe the CFPB should've sued you for XXXX XXXX, the $ XXXX is far, far too low because this bureau is by far the worst of the worst in my opinion.
Product: Debt collection

In XX/XX/year> we received an already signed contract in the mail for new energy utility services. The signed contract included a forged signature that was not remotely close to mine and it included signed name, date, and email ( which was also not mine ). 

The agreement agreed to an extended service contract with a new energy provider that I had never heard of and did not request. I had been happy using XXXX XXXX XXXX for years previously. 

I thought it was bogus, but in XX/XX/year> my energy account was turned off from XXXX XXXX and transitioned to XXXX XXXX. 

I was given no notice from XXXX XXXX that my account had been cancelled, but when calling XXXX XXXX to ask about why my account was being terminated, they stated XXXX XXXX contacted them with the signed agreement and cancelled my account because I had signed up for their services instead. 

Late XX/XX/year>, we received a bill from XXXX XXXX with first month 's utilities ( my memory of this is faded but I believe it was for ~ {$160.00} ). 

I contact XXXX XXXX to dispute the contract, bill, and cancel services to return XXXX XXXX as my energy utilities provider. 

XXXX XXXX stated because the account would be terminated earlier than the contract it would incur a cancellation fee. I explained to them that I never signed up for their services or utilities or made any sort of agreement. They understood and referred me to an account management supervisor who I unfortunately did not write their name down. 

The account manager on the phone understood the concern and stated they would cancel the account. 

I never received another piece of mail or information from XXXX XXXX. My energy utilities were restored to XXXX XXXX in XX/XX/year>. 

I was notified via my credit report that Trident Asset Management was seeking collections for {$390.00} on behalf of XXXX XXXX.
Product: Debt collection

Debt is not mine I told them numerous time but they keep calling.
Product: Credit card

I had XXXX points across my account that Capital One refuses to return, which appears to violate XXXX XXXX  XXXX XXXX 's new consumer protection law. This law aims to protect credit card customers. I urge you to look into this matter and ensure compliance with the law. 

As stated below XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account ending in XXXX with XXXX XXXX  was settled in full for less and closed XX/XX/XXXX with a one time payment as per terms of settled and satisfied terms offered by XXXX XXXX collecting department. 
I have disputed with Experian and the account still shows a balance and account status as charged off. The account status should be settled and be followed with XXXX balance as account is now satisfied. 
I have also attached the terms of the agreement which was reached and satisfied on XX/XX/2020 with a one time payment of amount stated in letter.
Product: Student loan

Loan company is reporting late payments on my account that was transferred to another lender. I have contacted the loan company and they have refused to remove the incorrect information. The loan that is reporting late payments is for a loan obtained in XXXX and XXXX or so which was for the amount of {$2500.00} initially, which was sold to another loan company in XXXX. The amount of {$13000.00} is for loans that I obtained in XXXX from XXXX XXXX which have never been late and were not opened XXXX as reported.
Product: Prepaid card

The American Express e-gift card is unusable. I have tried the card several times at both online and in-person retailers, and the card has been declined each time. I have called customer service six times, and each time, I am told the card is fine and it is simply the retailer 's security practices. Simply put, the gift card can not be used at local restaurants or retailers such as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and more. The amounts hav varied from {$85.00} to {$1200.00} USD. 

Customer service has tried to remove security holds and confirmed my available balance was sufficient to cover each of the above transactions. I asked customer service to try to reissue the gift card, but was told that since it is a e-gift card, they are unable to issue a new card. I then requested a refund and was provided a case number ( Case # XXXX Refund request ) and received an email from the support department stating they are unable to resolve my issue and must call customer service yet again. Round and round we go, with no resolution in sight. 

The gift card is worthless and a full refund of {$1500.00} is the only resolution at this point.
Product: Mortgage

XX/XX/XXXX damage from hurricane Delta happened. I was sent a check made payable to my father 's estate ( I'm the admin ) and also SLS, XXXX. 
With everything happening that year the house didn't get fixed due to foundation issues not covered by insurance. 
SLS never pursued the claim money. XX/XX/XXXX foreclosure sale was executed by the mortgagee by placing a credit bid for the house and it then became XXXX XXXX XXXX property. When this occurs it wipes out any and all debt but in some circumstances if the bid was higher then the credit bid then that creates a surplus owed back to the borrower. And same thing occurs if the credit bid or auction bid is below the payoff balance then the borrower would owe the mortgage company. However no surplus or deficit was created therefore the loan was paid off in full when the mortgagee placed the credit bid. 
I have verified several times that there is no money owed on the loan nor has any collection action been pursued in the occasion money was owed. 
Within these special circumstances since the checks were not considered into the price at foreclosure and the amount was above fair market value the mortgagee relinquished it's insurable interest in the property by placing a credit bid. The loan balance was satisfied. 
I have been giving SLS months to cooperate this matter. SLS like usual they take a very long time to research and get information from " corporate ''. The entire loss draft department can't give me solid answer because it changes with each person I talk to. 

XXXX XXXX XXXX  " If the amount of the bid is equal to or greater than the amount of the promissory note, the mortgagee 's security interest in the insured property is extinguished. And, therefore, the Mortgagee as owner is barred from recovering on a loss which occurred while it was the Mortgagee. ''
Product: Mortgage

Applied for a modification on XXXX/XXXX/XXXX. I called today on XXXX/XXXX/XXXX to find out the status and was advised by XXXX ID # XXXX and advised that the loan was ineligible to reactivate based on affordability and no change in circumstance since prior re-entry on XXXX XXXX. I would like to know the income that was considered in this review and the income that was considered in the XXXX XXXX review as the representative advised she could not give me that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to file a dispute with Transunion and XXXX about an item on my credit file showing incorrect dates that affects the time limits as to how long the debt remains on my credit report. The collections account in question shows the wrong first date of delinquency which in turns allows for the item to remain on my credit report for a total of 9-years. I have records I received from the collection agency that shows the last day of payment on the account being XX/XX/XXXX and no subsequent payments made on the account thereafter. After the account was past due for 30-days no other payments were made on the account which would have put the date of first delinquency at XX/XX/XXXX. Transunion and XXXX has listed the date of first delinquency as XX/XX/XXXX, which is incorrect. This date is exactly 2-years after the correct date of first delinquency. Attempts to provide evidence for this has not worked as Transunion and XXXX  does not allow me to upload supporting documentation on their website. I attempted to dispute this information after receiving my free credit report from the website XXXX and transunion and XXXX has refused to let me dispute the collections account and instead made me pay for their service which costs {$19.00}. After purchasing their credit monitoring service to file a dispute, I am still not allowed to file a dispute with supporting documentation. The incorrect information concerning the first date of delinquency remains on my credit report with Transunion and XXXX. The collections account in question should be removed from my credit file on XX/XX/XXXX not XX/XX/XXXX. 

XXXX XXXX XXXX intentionally supplied the credit reporting agency with false information in order to extend the date of the debt on my credit file. This activity is fraudulent and in violation of the Fair Credit Reporting Act.
Product: Debt collection

Trident Asset Management at XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of {$780.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Collection/Charge Off by Discover Bank on XXXX Credit Report Dear Consumer Financial Protection Bureau , I am writing to dispute a collection/charge off reported on my XXXX credit report regarding a closed account with Discover Bank. Originally opened on XXXX XXXX, with a remaining amount of {$200.00}. I believe that the handing of this account by this collection agency involved violates several consumer protection laws and regulations.

The specific issues with Discover Banks actions are as follows : 1. **Violation of 12 CFR 1006.34 ( b ) ( 5 ) ** : Discover Bank has not provided any validation information for the alleged debt, yet they have reported a collection on my credit report.

2. **Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : I have not been given an opportunity to dispute the debt, which is a fundamental right under the Fair Debt Collection Practices Act ( FDCPA ). 

3. **Use of Misleading, Misrepresentative, and Deceptive Means** : The agencys collection practices include misleading, misrepresentative, and deceptive methods, potentially violating consumer protection laws.

4. **Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ** : The agency has furnished information to consumer reporting agencies without providing the disclosures required by law.

In light of these concerns, I am making the following declarations and requests : - I am disputing owing any and all debts to Discover Bank. 
- I am revoking all rights of Discover Bank to communicate with me through email, text messages, or phone calls. 
- I am requesting debt validation as per my rights under the FDCPA. 
- I am requesting a copy of the purchase agreement between Discover Bank and the original creditor. 
- I am requesting proof that Discover Bank is licensed and bonded as required by law for debt collection. 

The impact of this erroneous reporting has adversely affected my credit score and financial standing. I urge the CFPB to investigate this matter promptly and ensure that my rights as a consumer are protected.

I have attached relevant documents supporting my claims. I seek the removal of this inaccurate collection/charge off entry from my credit report and assurance of compliance with all applicable consumer protection laws by Discover Bank .

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On unauthorized withdrawal was made on my account, when I contacted PayPal, they rejected my request. After further calls from me, PayPal informed me that this unauthorized withdrawal took place in a completely different state. I appealed the rejection and they refused to accept the appeal. The unauthorized transaction cost me {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reported differently across the bureaus and I believe that this should not be the reported because of its inaccuracies. All I want to happen to get this removed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX BALANCED {$670.00}
Product: Money transfer, virtual currency, or money service

Account closure and customer service denial of asset management
Product: Debt collection

GE Capital called XXXX times between XXXX/XXXX/15 and XXXX/XXXX/15 about my Sam 's club credit card. My hours were cut at work from XXXX to XXXX per week so my XX/XX/XXXX payment I could only pay them {$100.00} instead of {$180.00}. The XXXX times they called they wanted the other {$83.00} even though I told them my hours had been cut and this was all I could afford. They conyinued to call stating they were tacking on late fees until I finally blocked the calls on my phone. I believe this is harassment. I 'm sorry I ever got an account with them. I have n't used the card in over 3 years and all it does is go up. When I reached the limit I stopped using it and all they did wa tack on more fees and a high interest rate.
Product: Checking or savings account

There were unauthorized credited balanced dropping into my account and turning it negative in which my direct deposit was being taken from these actions against my account.
Product: Mortgage

Our complaint is against XXXX and BOA. 
Our original loan was taken out with BoA which had agreed in XXXX of XXXX to a modification that we had requested in XXXX because of a drastic change in our income. We had never been late, or behind, and according to BoA have been super responsible to come ahead of time to see what could be done. So from than to including XXXX XXXX, numerous failed attempts of BoA to put the modification in their systems to reflect properly. We have XXXX folders full of written communications with XXXX XXXX, teamleader and assigned manager to deal with the problem, as well as voicemails, from him and other employees working for the office of the president of BoA reassuring us that the modification is completed, and we would get out credit repair and a letter of apology. In XXXX of XXXX we where told that BoA exidenly assigned the deed to XXXX. BoA send a Fax the same Day to XXXX from their Legal department and provided a fax for us as well to proof that they are getting the loan back. Upon further research we found that XXXX does n't own the loan, the deed is held by XXXX XXXX a division of XXXX and not XXXX. XXXX threatend to foreclose, and BoA would stop it, all along promising all is well, and because BoA was always stopping all actions taken by XXXX we believed. Until we ended up having to file bankruptcy to stop forecloser action the morning of, even though we had been told by Bank of America not not to worry everything is fine on the same day. We had to get a lawyer which, has created a lot of off out-of-pocket expenses. We ca n't get BoA or XXXX to finish this or even give us an answer! We think that this is unacceptable, plus now we are finding evidence that transver was n't handled lawful.BoA advised us to not make payments to XXXX, because we would admit to the original dead, and modification would be canceled out.
Product: Credit reporting or other personal consumer reports

For the past 4 years I have been disputing back and forth with XXXX XXXX regarding some late payments that have been reported on my credit profile that is still to this day preventing me from moving forward in my financial journey. In a 15 USC 1681d ( 1 ) ( 2 ) ( a ) ( i ) that reports containing information as to transactions or experiences between the consumer and person making the report must be excluded from the consumer reports. According to a document from their " investigation '' on 1/22/2024 of my dispute outlines " Payment Experience '' 30 day late # of occurences 1, 60 day late # of occurences 1, 90 day late # of occurences. As well as to report that they repossessed my vehicle. This is a gross mismanagement of XXXX XXXX duty to act in my best interest.