23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX XXXX I contacted Capital One and it vised them I was unable to pay do to the fact that the Veterans Administration was unable to pay me for XX/XX/XXXX because they Could not get my money Direct Deposit into the Bank in the XXXX XXXX! I contact them several times and told them I would pay no problem and was told by a supervisor no problem they would work with me! Later that month it showed up has past due late payment on my credit report, I called back to Capital one was told they would correct it on XXXX XXXX XXXX and report it to the Credit bureaus. Later I called back she told me to wait for the next reporting date for it too show up on the credit reports as corrected. I called back today on XXXX XXXX XXXX and asked to talked to the executive team and was told I was unable to talk to them they transferred me to other Supervisor and she told me That it was not corrected in the System and it would be corrected? but was Disconnected I called back they connected me To the Military Dispute team I talked to XXXX and he stated it was in the System that it would not be corrected! I am a XXXX Veteran living in the XXXX XXXX Your more then Welcome to Call XXXX XXXX, XXXX XXXX that is the only one that does XXXX Direct Deposits with the Veterans Affairs She can Verify that she tried 4 times XX/XX/XXXX to Send the Deposit to my bank and failed. I just ask that Capital one to see the facts and reverse there decision on correcting this to all XXXX credit bureaus.
Product: Mortgage

My mortgage was sold to XXXX XXXX XXXX and is serviced by Statebridge Mortgage in Colorado. Since my mortgage was sold to them I have had repeated issues with getting my escrow payments made. My first property tax payment ( XXXX 2015 ) was n't paid until I called Statebridge and asked why they had n't made the payment. Payment was finally made after I notified them. The second issue I had was XXXX 2015 when they did n't pay harzard insurance. My insurance agent contacted me and notified me that my property taxes were never paid even though the statement was sent to statebridge. The insurance policy went past due and would have lapsed if I did n't act quickly. In XXXX 2015, I was trying to get a home equity loan and was notified that they had n't paid my property taxes again. I contacted people at statebridge and was told it would be taken care of on XXXX/XXXX/15 on XXXX/XXXX/15 I faxed my property tax statement to them with my loan number on it. I have confirmation it was received by them. I emailed XXXX different reps XXXX XXXX and XXXX house at statebridge and as of XXXX/XXXX/15 nothing has even been started. I emailed my property tax statement to a new rep XXXX XXXX and she seems like she may get something done but as of now I 'm waiting. 
I was told that I refinancing is the only way I can get out of statebridge. I do n't want to refinance because I paid the PMI insurance upfront and I would lose that policy if I refinanced. I would also incur fees and probably a higher interest rate to refinance my mortgage.
Product: Credit reporting

Equifax provided my credit information to an unknown entity and refused to investigate this violation. There was a fraud alert at the time this occurred and they have ONLY offered to delete the evidence of this violation. 
Equifax Confirmation # XXXX is where they reported on my credit report that XXXX XXXX XXXX ( XXXX ) allegedly accessed my credit information on XXXX/XXXX/16. NOTE that there was a fraud alert implemented on XXXX/XXXX/16 by Equifax, 21 days before the violation. See XXXX 's letter where they state based on their investigation and their current practices and procedures that " an error of some type has occurred on XXXX XXXX 's credit report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information to the Credit Bureaus XXXX I disputed this information with the Credit Reporting Agencies who report that XXXX XXXX attest that the reporting of the account is accurate. To that end, I disputed the item directly with XXXX XXXX and they again attested that the reporting is accurate. The account is listed as having been closed on XX/XX/XXXX. This closed account was listed as 120 days late two months later in XX/XX/XXXX. The account also is listed as both Settled for Less Than Full Balance and Paid in Full, the account is in fact Paid in Full. As stated, XXXX XXXX has now verified that this reporting is accurate with the credit bureaus and all subsequent responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft it seems as though someone has used my information and has opened things in my name. I need these unauthorized items to be locked and removed from my credit report completely as it is hindering my life tremendously. I am mentally drained and hurt by this situation. Can you please help me immediately I am begging you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not mine. I 've disputed this acct before it was sold to another collection agency. It was removed off my trans union and XXXX file but Equifax is still reporting it. I 've never had service through the company XXXX. I 've recently disputed it again to Equifax on XX/XX/XXXX when I got my Annual Credit Report and saw that it was on there. I called Equifax today to find out the result of the dispute and they have no record of me disputing last month even though I disputed that item and XXXX XXXX XXXX as well. They state that the last dispute results was from XX/XX/XXXX and that they do n't keep notes of calls. I asked to speak with a supervisor just as I did on XX/XX/XXXX when the call dropped after my disputes should have been submitted since I gave her my email address before I was transferred. Today after my disputes for the same 2 items XXXX XXXX XXXX who was paid off and closed in XX/XX/XXXX is still reporting that it is open and will a balance and the XXXX acct I asked to speak to a supervisor again. Also both times that I called Equifax they claim that they could n't find my report with the confirmation number that was provided on the report I got from them through XXXX. The supervisor XXXX stated that they only keep notes of calls if its important to the consumer such as a dispute ( which was made on XX/XX/XXXX ) or a request to speak to a supervisor ( which was also made on that date ). Now I have to wait 30 more days for my disputes to hopefully actually be disputed. And I was told that they would n't send an updated report to the creditors that have requested my report in the last 60 days such as XXXX who I was denied from on XX/XX/XXXX due to the 2 items I 'm disputing.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 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 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 XXXXXXXX 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 or other personal consumer reports

There has been a reporting error on my credit report. Experian has removed positive accounts from my credit report. Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604a Section 2, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I am providing written instructions to furnish these items on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX Card XXXX - Date Opened XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX
Product: Bank account or service

I have an account with Key Bank and have been disputing a recurring charge with them from XXXX XXXX XXXX for months ( I initially went through XXXX XXXX XXXX but after 3 months of the charge still recurring I began disputing it with Key Bank. I know it is only XXXX but I 've been being charged this fee for I think over 2 years now and can not get it to stop. I tried calling Key again today but after promising a wait time of less than 3 minutes and being on hold for over 10 with no updated wait time expectations, I could n't wait any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXXr XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been alerted my personal credit data has been breached by Equifax. Have spent an hour attempting to contact anyone at Equifax via phone numbers ( have called all of them during business hours ), live chat ( system appears permanently down ), and via links on their website ( these all lead to error messages ) to place a freeze on my credit. 

This is inexcusable and perhaps the federal government can step in to force this company to communicate with it 's victims and make their supposedly free services available immediately. I 'm not sure what to do in this situation as I can not force them to fix their phone lines, website, or internal communication system.
Product: Debt collection

( XXXX & XXXX ) HAS VIOLATED MY RIGHTS. THE ACCOUNT SHOWED UP XX/XX/2022. 

15 U.S. CODE 1681 SECTION 602 A. STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S. CODE 1681 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : LATE PAYMENT 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 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I reached out to Experian regarding an alleged it claiming to be old and Im on {$390.00}. I ask for full investigation and the count came back as updated and is following the FCRA requirements when it comes to reporting I disputed this again on XX/XX/XXXX for this account is still reporting inaccurately asking for a factual dispute asking that they Please provide me with the method of verification used as a collection with a past due balance is inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Bankruptcy XXXX  XXXX, US BKPT CT XXXX XXXXXXXX 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: Student loan

My student loans were transferred to XXXX when I submitted my application for XXXX XXXX XXXX XXXX. XXXX stated that it would take a few months for the payments I had previously made to count toward my XXXX plan. They state that they have now completed the reconciliation of my payments, and that only XXXX of my payments for my subsidized loan and XXXX payments for my unsubsidized loan qualify toward forgiveness. They stated that they will review the file, but they have made no adjustments since that date. I do not have access to payments made to previous servicers which they say are not qualifying. The person I spoke with stated that some of my payments were short by {$0.00} and are therefore not qualifying, which is incorrect. She also stated that she could not tell why others were marked as not qualifying. She indicated that they do not have the proper information or systems in place to make the determinations about qualifying payments, and as of the date of my call only one person had actually received the forgiveness under XXXX to which they are entitled. 

Every payment I have made is a qualifying payment as they have all been full payments of the required amount under my qualifying repayment plan.
Product: Checking or savings account

I opened a XXXX month CD on XX/XX/XXXX. I was verbally informed today XX/XX/XXXX that the account was closed. No Reason was given. We entered into a XXXX  month Contract which they should honour. I have not been notified of any breaches nor have I agreed to the Closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion and XXXX diputing inaccuracies in my report. I send then documentation for prof showing that many accounts are reporting inaccurate and some are being reaged. I asked for then to be deleted due to the fact that it was inaccurate and a lot of violations. They got back to me with accounts updated and verified as accurate but when I check the last date of activity it still says from 2019 so clearly they didnt investigate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Credit Inquiries on Credit Report Dear TransUnion Consumer Solutions XXXX XXXX am writing to formally dispute unauthorized credit inquiries listed on my credit report. 

XXXX. ) On XX/XX/XXXX, two inquiries were made by XXXX XXXX XXXX XXXX and XXXX that I did not authorize. 

XXXX. ) On XX/XX/XXXX, XXXX inquiries were made by XXXX XXXX and XXXX XXXX XXXX that I did not authorize. 

XXXX. ) On XX/XX/XXXX, XXXX inquiry was made by XXXX XXXX XXXX that I did not authorize. 

XXXX. ) On XX/XX/XXXX, XXXX inquiry was made by XXXX XXXX that I did not authorize. 

Federal Laws and Codes Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute inaccurate information on my credit report, and you, as a consumer reporting agency, are required to verify the legitimacy of any disputed information. Specifically, 15 U.S.C. 1681b outlines the permissible purposes for which a consumer report may be accessed. Since I did not authorize these inquiries, they are a violation of this section. Furthermore, under 15 U.S.C. 1681i, TransUnion must conduct a reasonable investigation to determine whether the disputed information is accurate and, if not, promptly delete it. 

Request for Immediate Action In accordance with these federal and state laws, I am requesting that these inquiries be removed from my credit report immediately. I have attached Federal Trade Commission ( FTC ) reports for each inquiry, which clearly state that I did not authorize these companies to access my credit information. I have also included a copy of my ID for verification purposes. 

As per the FCRA and applicable state laws, TransUnion is required to verify that these inquiries were authorized by me. If you can not provide plausible proof that I authorized these inquiries, they must be removed from my credit report without delay. Failure to comply with these laws may result in further action being taken, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state authorities.

I trust that this matter will be resolved promptly. Please confirm receipt of this dispute and keep me informed of the actions taken. I expect a resolution within the 30 days as required by 15 U.S.C. 1681i. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Attachments : - FTC Report for XXXX XXXX XXXX XXXX  - FTC Report for XXXX - FTC Report for XXXX XXXX XXXX FTC Report for XXXX XXXX XXXX - FTC Report for XXXX XXXX Services - FTC Report for XXXX XXXX - XXXX of ID
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX XXXX XXXX  be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

I was a customer of XXXX XXXX for 17 years. I was on Auto Pay. This past XXXX they suddenly stated that I owed {$350.00} XXXX XXXX 
I tried to get this straightened out on many phone calls. Managers that were supposed to call me back, never did. After 17 years, I left XXXX XXXX because of this old, erroneous charge. I do owe them the rest {$340.00}, which I will gladly pay. I will not pay some fake {$350.00} from 7 years ago. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Debt collection

In XXXX of 2020 after checking my credit I found fraudulent collection charges from National Credit Adjusters on my credit report. I contacted the company and also filed a ftc complaint and sent letters to the collection agency and credit bureaus with proof that this is not my debt and an identity theft issue however, on XX/XX/2020 ; I received notification that National Credit Adjusters placed the collection on my XXXX   report although I have submitted proof that debt is not mine and put fraud alerts on my credit. The debt was even removed from the other credit bureaus because it is not my debt. I am requesting that this debt not belonging to me be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Debt collection

I was a victim of identity theft. The person ( s ) had opened a Capital One account in my name in which a Capital One credit card was obtained by this person ( s ). The amount owed on the said account is {$760.00}. I spoke w/ a person from Capital One & made them aware that this wasn't, & could not have been of my own doing because i was incarcerated since XX/XX/XXXX & was released on XX/XX/XXXX. They had me send in proof in which i've done. The said debt was then taken off of my credit report & closed by Capital One on XX/XX/XXXX ( see attached ). But then Capital One turn around & sold this same debt to another entity, which is illegal to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT 609 LETTERS AND A DEMAND TO COMPLY TO ALL THREE AND THEY HAVE NOT RESPONSE. THE ITEMS YET
Product: Credit reporting or other personal consumer reports

Hello, I have been sending in dispute challenges with TransUnion for several weeks. Action on my behalf has not been taken by the company, despite verifying my identity and what I needed. I have asked them to share their method of procedures when it comes to verifying the inaccurate reporting. I am demanding this account to be removed from my consumer report. I am looking to purchase a home and my underwriting is telling me I have to contact TransUnion to rectify this issue.