23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX, Capital one reported an account ( XXXX ) as Charge off / Collections onto my consumer profile without my written consent which is a violation of the Fair Credit Reporting Act title 15 U.S.C. 1681a .... REMEDY OF REMOVAL IS WHAT IM AFTER.
Product: Consumer Loan

I spoke to Aldous & Associates " Attorneys at Law '' I have been getting harassing calls since XX/XX/2016.. Today I called in wanting to inquiry the validity of the debt requesting more information man named XXXX identified himself as the supervisor was very rude, kept demanding balance in full before verifying validity of debt. He was very argumentative, denying me speaking to someone else, denying request for validity of debt. Verified wrong address, would n't let me discuss kept saying well that 's what fit for life sent us. XXXX also denied me speaking to another supervisor, was over talking me, I could n't believe a person representing this company speaking to me in the tone he did, it really surprised me knowing he represents attorneys at law knowingly and willingly violated several laws regarding collections..
Product: Debt collection

On XXXX I called XXXX and contracted their Internet Services over the phone for my apartment located at XXXX XXXX XXXX . XXXX . XXXX in XXXX XXXX, Iowa. XXXX sent a technician to install the modem, and asked a front payment of more than XXXX dollars, my husband was in the apartment and called me about that payment. I called XXXX customer services, and complained that they never explained me about those charges when contracting the services over the phone, the representative stated that it is part of the installation cost, plus modem rental, I asked to cancel the Internet service at the same day, they agreed to did it, and mentioned that I needed to pay XXXX dollars for installation cost. I complained over the phone, and refused to pay that abount, expressing that it was unfair and that I wont pay that amount, I asked if they could remove it, the representative agreed, but made me aware that I should needed to return the modem to the local XXXX office within the same day. I went to the office and returned the modem, they printed a receipt for me with XXXX balance on my account. Afterwards I got multple bills, and called customer services to ask them remove those charges. The staff who answered my call said that the account had XXXX balance. I started gotten collection attempts, and called again customer service, they said the account had a XXXX balance. I even stop by the local office and complain about the collection attempts, the secretary searched my account and said that the charges were removed but they take time to update the account, and that I supposed to wont get the collection attempts anymore. I got the third notice on XXXX XXXX, 2016. The Creditor is XXXX, account # XXXX, service balance XXXX plus XXXX collection fee. Please help me with that. I can pay the money, but it is something that I dont own, it is unfair, and it is horrible that those companies abuse of us in such a way. It is time consuming, disgusting, and difficult to submitt claims, especially for non native XXXX speakers such as me. However, it is worthy, because we should not allow those companies to continue abusing of clients.
Product: Debt collection

I reported in XX/XX/XXXX a name change to all XXXX credit bureu, I went back to my maiden name. today is XX/XX/XXXX and on XXXX of the credit bureu my name is still wrong. I have not financed nothing since XX/XX/XXXX. Yet I have found numerous Items finaced in XX/XX/XXXX and later when I went to refinance my house this year. So we put a fraud alert on file. XXXX months later nothing has changed ... credit bureu 's have done nothing to take off the old reports or to fix the problems yet i 've sent documents, copys of dl # divorce doc ... this is crazy! Please help!
Product: Money transfer, virtual currency, or money service

I sent {$200.00} to an individual. She stated she never received it. After trying XXXX send it again Zelle did not let me use the app again. I had to send through another account again {$200.00} dollars this time it went through but the next day both transactions showed o my account. After talking to may bank they said Zelle controlled all the transactions and they could not helped. When I contacted Zelle they said they did not have any way to keep track of the money or do a refund. I was put {$400.00} because Zelle could not not track the money that magically disappeared and never arrived to the recipient
Product: Credit reporting or other personal consumer reports

I have been fighting this charge-off account that started with XXXX XXXX , However when I pull my EXPERIAN report , it states that XXXX XXXX have sold it to XXXX XXXX XXXX XXXX , so I sent a letter stating that I were unaware of this debit. to XXXX XXXX, I also filed an complaint with the CFPB, XXXX than responded stating " they were unable to verify an account '' After I got the response from XXXX XXXX I immediately went back to EXPERIAN to pull my report so I can highlight the account and send it back to them, since they could not find it I then discovered that experians report stated that the account was sold to XXXX XXXX like I stated before, HOWEVER the Address is still to XXXX XXXX and even the Phone number, Under the FCRA this is a violation of incorrect information being reported on my credit report So I called XXXX XXXX to get an account number and to see if they could find my account. 
They were still unable to find my account even after asking for my SSN But when I called XXXX XXXX they are able to find it with no problem.. 
This is a huge violation.
Product: Credit card

XX/XX/year> - hard credit report inquiry for new card names Barclays XX/XX/year> - Called support for Barclays at ( XXXX ) XXXX - Stated the account hasnt been activated and closed the account and reported to the fraud team. Asked for Information about confirmation, stated will send via mail to my mailing address and will contact via phone number if any questions from the legal team.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICITM OF IDENTITY THEFT, I HAVE REACHED OUT EQUIFAX NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE ALSO REACHED OUT TO THE CREDITORS AND ACCORDING TO THEM THEY HAVE MY FTC REPORT AND THEY HAVE NOTIFIED THE BURAU BUT EQUIFAX REFUSES TO REMOVE THE ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I asked transunion to remove items from my account. I intent to sue this company. They have yet to do so.
Product: Credit card

Without any knowledge of our XXXXXXXX XXXX XXXX XXXXXXXX card transfer to another servicer, ( Comenity ) we received a letter on XX/XX/XXXX from Comenity, that our payment arrangement with our previous servicer did not transfer. I paid no attention to this letter because I had paid off the XXXX card on XX/XX/XXXX and had put the card away and did not use it again. Our final payment was for {$3400.00}. We have proof from the bank of this payment and a confirmation of payment from XXXX XXXX XXXX. On XX/XX/XXXX we received a statement from Comenity that we have a balance of {$930.00}. I knew we had paid it off so I contacted Comenity and the issue was put into dispute. At this time we sent a letter showing the dates and amount paid and asked for any relevant statement to show that we have a balance. On XX/XX/XXXX they sent a letter " As stated in the previous correspondence dated XX/XX/XXXX, some information is missing to investigate your payment of {$500.00} is missing. We went to our bank and got proof from the bank manager of the {$500.00} that we paid. We then received a letter stating we have no record of your disputed XXXX signature payment. On XX/XX/XXXX we received another letter saying we contacted them about a missing payment of {$1100.00}. We did NOT contact them about this missing payment. All correspondence is very confusing. We sent a copy of all payments made when the card was with XXXX and copies of our statements. When we stopped using the card we forgot to change the auto payment that had been set up with our bank. It was {$35.00} per month. We failed to notice thaXXXX XXXX XXXX XXXXXXXX XXXX was receiving this each month. After our last payment they continued to take this payment monthly until XXXX of XXXX, ( 17 months ). We sent them a spreadsheet showing what we charged and what we paid and with the monthly auto payment we feel they owe us money. I also reached out to XXXX XXXX XXXXXXXX but they said they could not help us because not help us and gave us the Comenity phone number. I do believe they have sent us to collection. They have never given us anything to prove we had a balance when they took over the XXXX XXXX XXXX XXXXXXXX account. Each letter they have sent us they send us do not make sense. We have had a good credit score because we always pay our bills.
Product: Credit card or prepaid card

Since XX/XX/XXXX I tried reaching Microsoft to remove my credit card from my XXXX XXXX XXXX sons account that has been missing since XX/XX/XXXX. Microsoft refused because my XXXX XXXX XXXX son could not verify. I called capital one to change my card. They said I was removed from all previous use. Ive been billed every month to today XX/XX/XXXX. I called in XXXX to dispute and change my card again they said it was my fault so they denied credit despite my call to change my card. I changed my card again they told me I was in auto updater allowing unauthorized charges to continue and it was my fault. They said I was removed from a program I was never aware of and disputes were filed I was just denied credits for the charges and it put me over my balance they are refusing to credit unauthorized charges even though I changed my card and notified them several times. They are now saying I am liable for fraudulent charges. 


moving forward today XX/XX/XXXX I received ANOTHER charge and the representatives blamed me for the situation and stated that they were not going to credit me back the charges. This was after XXXX  card replacements in the month of XX/XX/XXXX and a promise recorded on a call that this would not happen again. I am being charged EVERY SINGLE MONTH OFF A CARD THAT WAS REMOVED FROM MY ACCOUNT OVER A YEAR AGO!
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Disclosure Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below. 

I am sure you are aware and understand that it is required by Federal law that Creditors and Credit Reporting Agencies must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost. 

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, Metro 2 Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : XXXX XXXX unknown collection. Demand deletion Bureau : XXXX XXXX : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : XXXX XXXX XXXX XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Im seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code 1681g - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report. 

Im thanking you in advance for attending to my requests promptly Regards, XXXX XXXX
Product: Debt collection

After noticing a few items on credit profile i notice accounts that i didnt sign up for and is unaware of. i reached out to the credit bureaus and the companies to get valid verification and validation of these accounts. LVNV FUNDING LLC OR THE CREDIT BUREAU SENT BACK THE REQUESTED DOCUMENTS. I have tried to get them to correct my consumer report but they fail to comply by the laws. I have not given anyone permission to use my credit or to report anything on my behalf. I asked for documents showing i gave written consent to use or report to my consumer file. I also sent in my identity thieft report. This is my final attempt to correct my file before I seek legel action. THEY ARE IN VIOLATION OF MY CONSUMER RIGHTS, AND THE REPORTING ACT LAWS
Product: Payday loan

Filled out online application and they said they would fund it as soon as possible. Did not hear from them. Lending Club called me several times to say that the application was not complete. Went over application again and sent it in. They did not answer. Called me about two weeks later said they hava loan for me. All directions were followed and they just took my information and even moved the response to another state.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX I discovered that some of my friends were illegally obtaining specs to my devices and use XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX ). They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID ). However, I am sitting at about 50-60K of student loans that have been absorbed by my ex friends, and XXXX K of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their XXXX runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX  is that someone in XXXX  or XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/XXXX, with a new carrier, new number, and new email and XXXX XXXX - XXXX XXXX   began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.
Product: Debt collection

They sued my husband for a debt with the XXXX XXXX, which could not be paid on time, without communication, then I asked the bank why the withholding and they answered that it was by order of the court, they gave me the phone number of an officer in charge of the case, who at the same time gave me the telephone number of the company that RETAINED this MONEY of my belongings, since this check was given to me by the SSa, due to my XXXX, which was delivered to me on XXXX XX/XX/2024, according to the letter that the SSa sent me, the name of the Officer is XXXX XXXX XXXX telephone number XXXX, the person I contacted is XXXX XXXX with telephone number XXXX, then he gave me by telephone a number that is XXXX and he He asked me to send copies of the latest bank account statements, which I did. I also sent him a copy of the checks from my son who serves me as a homemaker and who also charges through my bank since he does not have a bank account, for me. condition since I recently suffered a XXXX which does not allow me to work, then I sent him the copy of the letter that the SSa sent me, with the amount that corresponds to me and the monthly payment that it will give me in the future, it was refunded to me money that does not belong to my husband, which helps me maintain part of my household expenses since my husband is retired due to illness.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ( Original complaint ) To Whom May Concern, Im writing in regard to 2 of my credit cards with XXXX  XXXX. The XXXX XXXX credit card accounts ending in # XXXX and XXXX XXXX XXXX XXXX ending in # XXXX. I recently pulled my credit report & it shows that these cards are not being reported to the following Credit Bureaus Transunion and XXXX. I spoke with both Transunion and XXXX to confirm, I was told that the accounts are not being report to them and to call XXXX XXXX to speak with them. Also, that they're the ones who have to send documents in order for the credit card to start reporting. XX/XX/XXXX is when I initially reported the problem, I was sent a letter on XX/XX/XXXX and XXXX. Theyre two different departments. The letter stating that the XXXX XXXX XXXX is being reported, the other letters for the XXXX XXXX  stated they wanted me to send more information proving that its not being reported. I sent XXXX XXXX a full credit report providing them with highlight details showing nether XXXX of the credit cards on the credit reports. I also have another XXXX credit card with XXXX XXXX a XXXX account I provided as well showing that account is being report, just to prove that the other XXXX are not. So I received another letter on XX/XX/XXXX. Both letters stated the credit cards are being reported. I'm not sure where the confusion is coming from whether its XXXX XXXX not reporting or it's Transunion or XXXX, I have no clue what else to do. As I was not aware of this matter until recently getting my credit repaired. I have a account with XXXX thats monitoring my credit & pulled my report from there website as well & neither one of those credit cards are showing. I have had these cards for some time now & this comes as a shock that making on time payments are not being accounted for toward my actual credit score. I hope this issue can be resolved quickly. Thank you! 

As of XX/XX/XXXX I recently received a copy of my credit report and the credit cards that I sent a complaint about are still not reporting to the credit bureau XXXX and Transunion. I was send a correspondence from XXXX XXXX stating within 60 days those accounts should be reporting. Ive been going back in forth with this issue for three months now. At this point XXXX XXXX still has not done their job because why is it taking this long Ive have these cards for years and Im not sure what occurred for them to stop reporting. I would like an explanation as to what need to happen next. Thank you!