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

I am writing because my personal credit rating dropped 180 points when I applied for a business credit card through Capital One. 

I received the attached invitation to apply for a credit card with Capital One. Per the instructions, I applied on-line and was approved for a card. We have used the card for a month and are not delinquent in our payments : our first payment is due about XX/XX/19. The card was approved XX/XX/19. Much to my surprise, I received an alert from XXXX XXXX on XX/XX/19 that my personal credit rating was downgraded on XX/XX/19 from XXXX to XXXX : entirely because of the credit card being applied to my personal credit rather than the corporation. When I called XXXX XXXX, they informed me that I simply needed to request that the credit request be reported via our tax ID number rather than my social security number as it is a business credit card. When I spoke with several people at Capital One, they informed me that we report to both business and personal credit agencies as my name is on the card and that is just the way we do it. 

This is incredibly damaging : as you can see from the flyer, there is NO indication that this card would impact my personal credit rating and I have no way of correcting it even though I have not been delinquent in paying debt, ever. This credit ding NEEDS TO BE REMOVED from my personal credit and accrue to the corporation as it is a BUSINESS and not a PERSONAL card. Even my application shows I am not the sole proprietor of this business. I would NEVER have applied for this card if I thought it would damage my personal credit so dramatically.
Product: Mortgage

i was foreclosed on in XX/XX/XXXX. my house was sold and my credit report reflected that action. from that point on my credit report was reporting ND or no data. 
then after 3 years, and just in time for me qualifying for an FHA loan, quickenloans added a foreclosure coding on XX/XX/XXXX. 3 years after the foreclosure. which to FHA is the start of the 3 year period to qualify for a loan again
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of unauthorized accounts and hard inquiries from my credit report. As a victim of identity theft and multiple data breaches, my personal information has been compromised, leading to the appearance of accounts and inquiries that I did not authorize. 

These entries violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, they infringe upon my Constitutional right to privacy. 
I assert the following : Lack of Consent : I have not provided consent for the credit reporting agency to report accounts related to my NAMED ESTATE. This is a violation of my Constitutional privacy rights.

Absence of Contractual Agreement : The credit reporting agency has failed to produce any contractual agreement that binds me to the companies reporting these derogatory accounts. 
Failure to Verify : The credit reporting agency has not provided proof of verification for these debts, nor demonstrated compliance with all relevant laws and regulations in reporting them.

Violation of Title 15, U.S. Code : Under Title 15, particularly 1681s-2 ( b ) and 1681i, you are required to conduct a reasonable investigation to determine whether the disputed information is inaccurate. Your failure to do so is a violation of federal law.

Potential FDCPA Violations : If any attempts to collect on these debts have occurred, the inconsistencies and lack of verification may constitute violations of the FDCPA, specifically 807 regarding false or misleading representations.

I explicitly state that I am NOT demanding verification or validation, as I am not granting permission to contact any company. Per federal law, specifically 15 U.S.C. 1681i ( a ) ( 1 ), these accounts must be removed within 15 days of receipt of this certified notice, or the credit reporting agency will be held civilly liable.
Product: Debt collection

All the XXXX negative accounts have affected my credit due to this data breach.
Product: Debt collection

I received this lette from real time acquisitions LLC, real time resolutions stating I owe {$530.00} and I 'm not certain of where this loan comes from I tried contacting them and no results their number is  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and I have submitted multiple disputes to this case and has not yet resolved the problem I have in my bureau of experian 2 months late payments XXXX and XXXX I have never had late payments with the company XXXX XXXX Account closed always been punctual in my payments I have the account statements that confirm my punctuality with payments to XXXX XXXX please update my payment history ..
Product: Debt collection

We contacted RCMC about multiple collections by XXXX Hospital. Some of those collections resulted from Workers Comp. medical fees that had not Ben taken care of by an employer. Once that issues was moved, we made a bulk payment on all the small debts to remove them and started monthly payments on the large ones. To date, all six collections remain active on my report which has caused my credit score to suffer. This has stopped us from refinancing our home for the past two years causing great financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of a credit bureau dispute submitted in XX/XX/XXXX, XXXX XXXX has retaliated by marking the account as FP " Failed to Pay '' in XX/XX/XXXX. This is incorrect, as XXXX XXXX sold the account to another collection agency years prior, I believe in XXXX. No indicators for Failed to Pay following this date would be correct. This was blatant retaliation for my submission of a dispute and they should be held accountable. 

Further, during said dispute, XXXX XXXX failed to update the tradeline to indicate that the information was disputed. This is a clear violation of FCRA and I fully intend to file suit for the {$1000.00} damages if this not resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts listed on my credit report, as I believe they are fraudulent and do not belong to me. I have reviewed my credit report and found the following accounts that I believe are inaccurate : Account Name/Number : XXXXXXXX XXXX XXXXXXXX ( FLAGGED MY CREDIT ) Account Name/Number : XXXX XXXX XXXX XXXX  Account Name/Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name/Number : XXXX # XXXX These accounts were opened without my knowledge or consent, and I suspect that my personal information has been compromised. I have taken steps to report this identity theft to the relevant authorities and have attached copies of any other supporting documentation. 
In accordance with the Fair Credit Reporting Act, I request that you investigate these accounts and remove them from my credit report. Additionally, please provide me with a written confirmation of your findings and any actions taken.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I attempted to sell an item online for {$2200.00}. Potential buyer ( scammer ) offered to send a check for {$4000.00}. I was instructed to deposit check, take my cut, and the {$1800.00} leftover was supposed to go towards shipping, which I was responsible to pay. I received the check next day via XXXX. Check was from XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX. XXXX XXXX  was the financial institution they used. I mobile deposited the check to my Chase bank account. Next day funds were credited to my account. I was instructed to XXXX {$1800.00} to XXXX XXXX XXXX. This was apparently the shipper. 
Unfortunately, Im sure the check will eventually bounce, and I will be out {$1800.00}. Because the transfer of {$1800.00} was via XXXX, Chase Bank ( my bank ) is completely unable to help recover the funds. You would assume that XXXX, being offered and backed by some of the biggest banks in the country, would have something in place for situations such as this. XXXX has XXXX protection what so ever.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Account Number XXXX Creditor : XXXX XXXX XXXX 
Dear RESURGENT/LVNV FUNDING, I am writing in response to your [ letter/phone call/text ] regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally requesting validation of the alleged debt you claim I owe.

In order to comply with federal law, please provide the following documentation : 1. Proof of Ownership : A signed contract or agreement with my signature that verifies I owe this debt to your company or the original creditor.

2. Chain of Custody : Documentation showing the transfer or assignment of the debt from the original creditor to your agency, confirming that you have the legal right to collect this debt.

3. Itemized Breakdown : A complete and itemized statement of the alleged debt, including the original amount, any fees or interest applied, and the current balance.

4. Original Creditor Information : Complete contact information for the original creditor, along with a copy of any billing statements or other communications sent by them.

5. Proof of Compliance with State Laws : Any documentation verifying that you are licensed to collect debts in my state of residence and that the statute of limitations for collecting this debt has not expired.

6. Reporting to Credit Bureaus : Documentation showing that the debt has been reported accurately to any credit reporting agencies, including the dates of reporting and any disputes noted.

By law, you are required to cease all collection activities and communication with me until you provide all of the requested information. I await your response.

Please note, any failure to provide sufficient validation within the legally required time frame will result in your claim being considered invalid, and I will demand that you remove all references to this alleged debt from my credit report with all major credit bureaus ( XXXX, XXXX, and XXXX ). 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Mohela has been giving me the run around since XX/XX/2023not counting my student loans towards PSLF. There are saying I only have 95 loans towards Public Service Loan Forgiveness. When I know I should have over 120. The company want to bring up my XXXX XXXX, when I showed proof that student loans doesn't qualify towards XXXX XXXX and clearly states paid outside the plan. Meaning although I am in XXXX XXXX I still have pay for my student loans.
Product: Credit reporting

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX, XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XX/XX/XXXX I have send a letter regarding this account. Under the Fair Credit Reporting Act, you must Change the status of the loan modification accounts. 

This account was a loan modification that was done XX/XX/XXXX not in XX/XX/XXXX and it was close in XX/XX/XXXX not in XX/XX/XXXX. For that reason this XXXX account should be remove from my credit report. A loan modification does not take 9 years to process. 

You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX
Product: Debt collection

They offered me a settlement and stated that I had till XX/XX/2022 to reply or they will report to the XXXX. Well, I replied before the date and they still reported me as being negative and my score went down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my consumer report. There are several nonmailable addresses on my consumer report. My name is also misspelled. I have asked Experian to update my consumer report and they have failed to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Upon checking my credit file Ive noticed a company named tele recovery of Louisiana has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from above company to be removed from my credit file.
Product: Credit card

I was approved for a Citi Premier Card on XX/XX/2015. On XX/XX/2015, the public offer on the signup bonus went up to XXXX points if you spend {$3000.00} in 90 days and I asked the Citi social media team to match me to that offer, which they kindly did. I got a letter shortly thereafter via US postal mail dated XX/XX/2015 ( I have provided the letter as an attachment ) stating " Your account is enrlled in the promotional offer to receive XXXX, XXXX bonus ThankYou Point ( s ) as long as you spend {$3000.00} by XX/XX/2015. Since the offer is XXXX if you spend {$3000.00} in 90 days, this made sense because I opened the account on XX/XX/2015 and 90 days is XX/XX/2015, just as the letter states. However, I called in yesterday XX/XX/2015 and was told completely different terms. I spoke to XXXX, Account Manager, ID number XXXX and she told me completely different terms than the letter Citi provided. She stated since I was matched to the offer on XX/XX/2015, all purchases prior to then do n't count towards the minimum spend but that I have until XX/XX/2015. This contradicts the terms provided to me in the letter from Citi. These new terms that XXXX told me are not listed in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as  possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received notification from Seterus, my mortgage servicer, that my taxes went up over {$300.00} a month and I was expected to start paying the added amount as of XX/XX/XXXX. This seemed odd to me so I contacted the Tax Assessor 's Office and discovered an error was made. Unbeknown to me my property was incorrectly recorded as a sale on XX/XX/XXXX and was assessed as such. It was assessed at XXXX  price as opposed to XXXX  when I bought the property. The Tax Assessor sent me notification of the error ( attached ) and I forwarded it to Seterus. In the meantime I paid my regular payments but did not have the money to pay the added incorrect amount. I kept getting late payment notices with warnings of foreclosing. Seterus would not change the amount I owed for taxes until they received the next tax bill in mid-late XXXX eventhough I sent them proof that it was a mistake.. In fact, the Assessors office sent me a check for {$1500.00} overpayment for XXXX and both the Assessor and myself notified Seterus of the overpayment.

On XX/XX/XXXX, when I had the money, I spoke with XXXX  at Seterus and set up a payment plan so they would take no further steps consisting of 3 payments ending XX/XX/XXXX. However I paid it off in XXXX. When I discovered they reported me 2 months delinquent on my mortgage to the credit bureaus I requested XXXX XXXX to investigate.. Seterus still refused to remove the negative remark from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to contact Sagestream about my disputes to no avail. They never pick up the phone and I call at different times and leave messages over and over. They say will call within 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to XXXX and Experian to have a bankruptcy removed from ny reports. I filed for bankruptcy in XX/XX/XXXX and I realized that it was a mistake, so I dismissed the bankruptcy and contacted the creditors and made arrangements with them and I was able to pay off all the debts at a negotiated amount. I been trying to get the bankruptcy taken off of my experian and XXXX report for 2 years and they are refusing to take it off. Every time I ask them to remove it they come back and tell me that it's been verified as accurate and will stay on until XXXX. The last time I disputed it they sent me a letter in the mail saying that they won't keep checking the same dispute so I can stop sending in the bankruptcy dispute because they won't do anything else with that dispute. I paid off all the creditors and they still aren't willing to take it off please help me get this off so I can move forward with my life without this hanging over my head. Thank You
Product: Bank account or service

Wells Fargo, XXXX Iowa XXXX. 
Opened bank account. 
The clerk and did not let me read any of the documents because they were on her computer screen and are only printed after you sign. 
I did not receive adequate explanation about fees, ended up closing the account which involved standing in line again and a waste of time. 
When closing the account I asked why was n't I notified about the fee details or allowed to read the paperwork and was told that it is a nationwide bank policy.
Product: Debt collection

On XX/XX/XXXX I sent a debt validation letter to the creditor XXXX. The creditor reported 2 accounts with different amounts on the credit reports. However one account got deleted but the other account is been under dispute until XX/XX/XXXX, the company has reported false information violations 15USC 1681 to the credit bureaus to have it on file till XX/XX/XXXX, which is a violation under the federal law. The company is required by federal law to verify that information is mine and is correct in 30 days and not more. 
As of today is XXXX XXXX Account XXXX XXXX {$560.00}
Product: Vehicle loan or lease

Hello The status on my credit report, it says that I had a repossession. The information on my credit report is inaccurate. I need full investigation on accuracy. If not able to provide details and proof of accuracy, i want repo for kia completely removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had a late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following dates : XX/XX/year> & XX/XX/year>. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX ( Account - XXXX )
Product: Checking or savings account

I called to report a fraud claim on XX/XX/XXXX at XXXX that had basically emptied my account dry. My girlfriends birthday is XXXX, Wells Fargo is telling me that I need to wait 10+ days in order to receive a provisional credit. But when I look into other people experiencing events like this with different banks they receive a credit almost instantly. This is the most stressed Ive been in my life, and now I cant even do anything for my girlfriend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items with Equifax back on XX/XX/2019 and they have failed to respond. I have also sent them a notice that they failed to respond and they have ignore my request to dispute items that are reporting on my credit reports