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

I am a consumer by law and my information was misused and now I have false information, not 100 % accurate accounts on my credit report. All being unauthorized use of my credit report.
Product: Debt collection

I dont know why this is on my credit I dont know what this is I tried to reach out to them According to FRCA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report thank you
Product: Credit reporting or other personal consumer reports

Please see attached doascuments. Do not close this complaint stating it is not me. I am a natural person and a conssfumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a charged off account on my reports with XXXX that I have been disputing for some time now. Experian has been in violation of my rights of a consumer concerning this account for quite a while now and refuses to conduct a proper investigation into this account and report inaccuracies on my report. They first deleted the account from my reports and reinserted it without proper warning or communication. They are now reporting inaccurate late payments as well. They clearly state on my report that this account received a payment in XXXX XXXX XXXX however they are also reporting this account as 180 days late for this same month. How is it that a payment was captured but the account is late? This is not possible. It is very concerning that Experian can violate the consumer laws and prevent me from getting approved when they are in clear violation of the law and yet I am the only one that gets negatively impacted. I am demanding that this account is deleted from my report.
Product: Credit reporting or other personal consumer reports

Randomly checked credit report to prepare to purchase another home. Notice accounts that weren't mine. I called the local police department. they couldn't do anything until I attempted to dispute directly. 

These are the fraudulent accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not use any of these companies and 2 of them are debt collectors with debts that I do not even have.

Will be placing credit freezes with bureau as well.
Product: Payday loan, title loan, or personal loan

Took a loan paid off in 30 days was charged XXXX dollars in interest. On an annual loan of 29.54 %
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate account with EQUIFAX the account which is XXXX XXXX XXXX. EQUIFAX investigated and it came back verified. In XXXX I sent in a certified letter to EQUIFAX for a Method OF Verification. This is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to EQUIFAX via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 EQUIFAX received the letter ( METHOD OF VERFICATION ) on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that EQUIFAX completed their investigation with the account XXXX XXXX   # XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. EQUOFAX have violated my rights and need to remove the account from my credit, I am filing a small claims for the non-compliance and violation of the FCRA. This is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file. A debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the company. EQUIFAX violated laws and my rights and refused to send me what I Requested. Per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. XXXX  received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,, I Should have got the METHOD OF VERFICATION. I was entitled to see that information so they refused to send it. You are not asked to delete the account or I am entitled to damages from this company for the non-compliance I am taking this to court. I enclosed the latest credit report from Equifax regarding this account lvnv funding dispute, ,.. I am also providing the proof that XXXX was in violation of the FCRA for non compliance and XXXX  removed the account from my file and I was taking the next step with XXXX  was the law suit for non compliance .. so see the enclosed attachments on the response from XXXX with the CFPB complaint I filed with them on the same issue with the METHOF OF VERFICATION WHICH I AM ENTITLED TO,, EQUIFAX DELETE THE ACCOUNT OF MY LAST SETP IT FILING MY LAW SUIT FOR ALL THE VIOLATIONS
Product: Credit reporting or other personal consumer reports

Date of Incident : XX/XX/year> Amount Involved : {$9700.00} Actions Taken : I paid the amount insisted upon by the property manager. I was told I would receive rent assistance and only pay prorated charges. Payment was made directly to the manager. Issue is the property manager was terminated for stealing money from the property, which affected my account status. Despite assurances from the manager that my account would be updated by corporate, my account was not attended to due to her sudden departure. This incident is negatively impacting my credit score, despite my fulfilling the agreed-upon payment terms. I was promised rental assistance through a letter from the church, but due to the manager 's departure, I never received the necessary documentation. Please see the attached emails/correspondence from the property manager, which confirm the agreed-upon payment terms and promised rental assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days a reason to immediately remove those items from my credit report with has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$10000.00} from Toyota Financial services which it says charged off but is reporting on my credit file and is inaccurate.
Product: Debt collection

On or around XXXX, First Citizens Bank ( FCB ), participated in the unlawful removal and transfer of funds from my bank account at their XXXX XXXX branch in XXXX XXXX. These unlawful acts involved the State of California Franchise Tax Board collecting what it considers funds owed it for XXXX income tax purposes. The order was invalid as no notification was provided whatsoever to myself, and the due diligence by the FTB was incomplete and a huge shortcut was taken by the FTB in failing to notify the account holder, myself, about any type of levy whatsoever. This makes the transfer of funds unlawful and FCB was alerted to this fact by myself, and chose to act in a felonious manner, regardless. Further, FCB could have verified the information it received, and should have, with minimal effort but made the decision not to and because of this misconduct, First Citizens Bank has involved itself in unlawful banking behavior. Completely unacceptable, this bank does not give a hoot about its customers to the point of helping their accounts get looted. This type of nonsense might fly in NC but this is corrupt California things are different.
Product: Credit card

In XXXX 2016 I read a news article about Capital One offering their new " Credit Wise '' free credit monitoring app for download. They claimed one did not need an acct, which I do not have, in order to sign up. I downloaded the app on my XXXX and then opened the app and started the free sign up process. I filled out the app 's forms and at a certain point the app noticed that I already had a Capital One acct and asked me for my login and email and password. I attempted to login several times and received error code XXXX. I eventually gave up and contacted Capital One fraud dept. by telephone to notify them that I do not have a credit card acct. Their customer service team attempted to assist and could not understand why this was happening so they escalated/passed the complaint to their internal " security/IT '' team. They called back and gave me further instructions to attempt login to the " Credit Wise '' app and those failed as well. They sounded confused over the phone. Ironically, several months after this occurred I started to receive text message alerts that someone was attempting to use my Capital One XXXX card for purchases and they asked me if the purchases were valid via text. I responded " no '' and did not hear back from them. For the record, I do not have a Capital One XXXX Card nor have been able to login to their " Credit Wise '' app. I believe they have not done enough to ensure that someone illegally has a credit card in my name or have produced a valid reason why this is happening to me. After reading news about other large banks creating fake credit card and bank accounts recently, I decided to proceed to an FTC complaint since Capital One XXXX and their Credit Wise app security team has failed to assist.
Product: Credit card or prepaid card

The bank representative started off by promoting their credit card the XXXX XXXX in XXXX as he stated their wonderful product that gave XXXX points for dining and XXXX points for groceries and gas. Those are the things I use most so I was sold on the concept. So I applied and he suggested to use the mobile app and go paperless. I started the mobile app but still requested the paper statements to cross reference if I needed too. I recently needed to cross reference some charges and realized I have not been getting the points I was told in the very beginning. I am actually getting XXXX points for dining and XXXX points for groceries and gas. Its been going on since when I first got accepted even though the mobile app states XXXX getting the XXXX and XXXX. Basically its fraudulent that they advertise XXXX thing but give you another. Bait and switch is what I have and Ive contacted US Bank card member services on XX/XX/XXXX, XX/XX/XXXX. The first customer service person lied about my points. She insisted I am getting the correct points. The second customer service rep XXXX acknowledged the discrepancy and offered me XXXX pts. I agreed to it and also wanted all my points from the very beginning to be added to my account. She told me a supervisor would contact me on Friday, XX/XX/XXXX but nobody called. I then called today XX/XX/XXXX and spoke to XXXX and then XXXX the supervisor from card services at US Bank, Altitude Go which stated they are looking into it. I told her to add up my purchases for dining and they dont add up to XXXX points. She refused and told me rewards department would do it. I never got XXXX points stated by XXXX on XX/XX/XXXX. I did receive a survey of my call experience but XXXX quite dissatisfied. False Advertising/ Bait and Switch Tactics by US Bank
Product: Money transfer, virtual currency, or money service

I purchased an item and paid via PayPal. Immediately after the purchase, I realized I had been redirected to an illegitimate website impersonating a different company. I then quickly called my credit card company and was told that I would have to resolve with PayPal as the funds were paid through them. I then immediately called PayPal and was told the funds had already been sent and I would have to dispute the claim if the product was never received. I was told by the agent that I could receive a refund if the item was never shipped. I opened a claim with PayPal and they quickly closed it saying the seller provided a shipping notice. The notice was bogus as was the website. PayPal simply closed the claim. The website clearly gives instructions that you can escalate a claim, but that feature is not available when I follow the instructions. The site also will not let me reopen the claim. I can not find any way to dispute further with PayPal. I've also tried to call PayPal multiple times but end up on long holds and ultimately have to hang up due to my job. Below is the information from the PayPal purchase. 

Paid with XXXX XXXX XXXX Visa VISA Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 
{$490.00} Shipped to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX XXXX, GA XXXX United States Have you received this order? 
XXXX XX/XX/2021, Sent by XXXX XXXX : Shipped Have you received this order? 
XXXX XX/XX/2021, Sent by XXXX Status : Shipped Have you received this order? 
XXXX XX/XX/2021, Sent by XXXX Status : Shipped Transaction ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit report, I discovered discrepancies in the reporting of last payment dates for closed accounts. These inaccuracies are violations of FCRA requirements to ensure accurate and fair reporting of consumer information, specifically under 1681e ( b ), which requires that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy. 

The accounts with discrepancies are as follows : XXXX. XXXX XXXX Account Number : XXXX Reported Last Payment dates XXXX LAST PAYMENT DATE ( XXXX XXXX ) Experian LAST PAYMENT DATE ( XXXX XXXX ) XXXX. XXXX XXXX XXXX  Account Number : XXXX Reported Last Payment Date XXXX last payment date ( XXXX XXXX ) Experian last payment date ( XX/XX/year> ) XXXX. XXXX XXXX Bank Account # : XXXX XXXX last payment date ( XX/XX/year> ) Experian last payment date ( XXXX XXXX ) XXXX XXXX XXXX XXXX Account # : XXXX XXXX last payment date ( XXXX XXXX ) Experian last payment date ( XX/XX/year> ) XXXX XXXX XXXX Account # : XXXX XXXX last payment date ( XXXX ) Experian last payment date ( XXXX ) XXXX XXXX  Account # : XXXX XXXX last payment date XXXX XXXX XXXX ) XXXX last payment date XXXX XXXX XXXX ) These accounts are closed, and the inaccuracies are a violation of 1681c ( a ) of the FCRA, which governs the inclusion of outdated or incorrect information. Furthermore, these discrepancies likely result from the data furnishers failure to comply with 1681s-2 ( a ) of the FCRA, which mandates accurate reporting of consumer information.

In addition to these discrepancies, I have also been the victim of identity theft, which I have officially reported to the Federal Trade Commission ( FTC ). I have attached my FTC Identity Theft Report as part of my formal dispute. Due to the fraudulent nature of these accounts, I am requesting the immediate removal of these accounts from my credit report. These inaccuracies are materially damaging to my credit and can not be verified, therefore I am requesting their deletion as per my rights under FCRA 1681i ( a ), which entitles me to dispute and remove unverifiable information.

As required under FCRA 1681i ( a ) ( 1 ), you must investigate and resolve this dispute within 30 days.
Product: Credit card or prepaid card

End of promotional period not communicated clearly and frequently on monthly payment reminder EMAILS. 

Purchases XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX/Commenity Card - same as cash promo. 

Commenity pushed to switch to paperless billing at the onset of the payments, which in turn sends out a summary email each month that it's time to pay. with my balance and min payment due. There is NO CALL OUT WHEN INTEREST FREE PROMO PERIOD is ending which is deceptive as you are now relying on them to summarize what you owe off the emails. They train you not to look at your statements with an easy to click Make a PAYMENT BUTTON. 

In smaller print ( if you scroll down on the email ) which I just noticed today. It says be sure to check when your promo period is ending to avoid interest. 

I had a surprise interest charge on my XX/XX/XXXX statement, over $ XXXX in interest. Had to dig through the prior statement on XX/XX/XXXX that the promo period was ending. This disclaimer to my suprise was called out in red, yet they did not call it out in RED on the SUMMARY EMAIL they sent to collect my payment. They need to provide more transparency vs. check your statements in smaller print out of sight lower on the screen. 

I have paid off the principal balance when I discovered this last night. The interest is left to pay. I am within the 30 day dispute period on my latest statement and have talked to 3 managers at Commenity today. Have asked them to continue to escalate until I can get resolved. They have stated they are following their policy and will not remove the interest charge. It was not communicated clearly and frequently in their topline email WHEN the promo period was expiring. Feel they could have been more transparent here so I clearly knew this each month vs. having to dig thru statements which they trained me away from.
Product: Debt collection

I have been sending letters to the debt collector & the credit bureau in an attempt to have the debt that they say I owe verified, as well as get proof of this so called debt. Multiple times they have refused to provide proof of my wet signature or any proof at all of this alleged debt.
Product: Credit card or prepaid card

I received a copy of my credit report and the following account is in error. This debt has been reporting late payments after the creditor has charged off this account as bad debt. 

Victoria Secret acct # XXXX Why am seeing a balance after it was a charge-off status? Please remove this immediately. 

By the provisions of the Fair Credit Reporting Act. I demand that this item be investigated and removed from my report understanding that you will recheck these items with the creditor who has posted them. Please remove any information the creditor can not verify. I understand that under FCRA 15 U.S.C. Sec 1681s-2/ ( a ) ( 1 ) ( a ) you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

I have been approached by Phoenix Financial Services ( XXXX XXXX XXXX XXXX XXXX, XXXX, IN ) who has been directed by Court Order to STOP practicing of Collecting on old Medical Debt and has been REPORTED on your Official CFPB Website ( XX/XX/year> ). I was just about to purchase a HOUSE and recieve FUNDING for my upcoming Buisness but was REJECTED due to COLLECTION by a CONVICTED Collection Agency which dropped my Credit Score XXXX. Now we will have to live in our RV trailer in another Michigan winter. How are they NOT on a LIST via XXXX, FICO, XXXX, and more?
Product: Credit card

Re : Complaint Against Capital One Regarding Erroneous Chargebacks To Whom It May Concern : I am writing to file a formal complaint against Capital One ( Contact : Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Phone : XXXX, Website : www.capitalone.com, Email : XXXX ) regarding their refusal to reverse two erroneous chargebacks on my credit card account ending in XXXX, despite my repeated attempts to get this issue resolved over the past month. 

On XX/XX/2023, a chargeback was processed for a valid XXXX transaction in the amount of {$9.00}, with transaction ID XXXX. Additionally, on XX/XX/2023, a chargeback occurred for another valid XXXX transaction, in the amount of {$54.00}, with transaction ID XXXX. 

I had previously reported these transactions as fraudulent in error. However, for over a month now I have been systematically ignored, neglected, and lied to by Capital One customer service as I have desperately tried to have these chargebacks reversed. 

I have called customer service multiple times and spoken to representatives who consistently provide misleading information, refuse to assist, and pass me from person to person without resolving the issue. I have sent detailed letters and faxes that have gone unanswered. There appears to be a pattern of willful neglect, as Capital One representatives stonewall customers rather than addressing issues brought to their attention. 

As a result of these incorrect chargebacks, which I have verified as valid purchases, the XXXX merchants have refused to do business with me going forward, damaging relationships I have built over the past 30 years. I am requesting that the CFPB assist me in prompting Capital One to immediately reverse the chargebacks and return the funds to the merchants. The necessary merchant account details can be provided upon request. 

If Capital One fails to resolve this systemic customer service issue promptly, I will consider additional legal action. I look forward to your assistance in resolving this urgent matter and holding Capital One accountable for its poor treatment of customers. Please contact me at [ XXXX ] or [ XXXX ] if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX