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

Due directly to COVID-19, we become financially affected negativity. Capital one/Walmart creditor deferred some monthly payments until XX/XX/XXXX. I attempted on at lease 3 occasions on three separate months ago to contact Capital one to work out a repayment plan, only to each time, told they had no programs for me, to call back in 30 days Finally, in XXXX of XXXX Capital one agreed to a payment plan of {$150.00} per month starting with XX/XX/XXXX then each month thereafter on the XXXX, with auto pay, capital one taking the payment electronically on the XXXX of each month. 
Capital one, by delaying any assistance till XXXX, reported my account 30 then 60 days late. On XX/XX/XXXX I filed a complaint with XXXX  and via this organization, Capital one wrote letter, dated XX/XX/XXXX that they would remove the 30 and 60 day late reporting on my credit report. In that letter, Capital one also informed me I was on an assistance program and to continue monthly payment obligations as agreed to avoid late reporting. Latest was XX/XX/XXXX next being XX/XX/XXXX an so forth. On XX/XX/XXXX Capital one reported 30 days late on this account for XX/XX/XXXX payment. That payment was already made on XX/XX/XXXX. I have made another complaint to XXXX  and to CFPB because this company, Capital one/Walmart was bought from what use to be XXXX/Walmart. Now both XXXX/Walmart and now Capital one/ Walmart both appear on my credit report, and both reporting negative late notices that are Not accurate nor correct. This is hurting my family tremendously, from requesting assistance with 2nd mortgage application, personal loan or home equity loan. There inappropriate, false and defamatory reporting of late payments on my credit report that again is totally incorrect is forcing us to look at filing a possible bankruptcy. This is directly to the false and inaccurate reporting of Capital one/Walmart while Im trying our best to pay them back on there approved plan. Although I have reported a similar incident, this new information as to both XXXX/Walmart now bought by Capital one/Walmart is showing on my credit report as negative and lowering my fico score by over 43 points. So unfortunately and devastating to our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a chase bank and asked for my JP XXXX XXXX a week before the payment was to be late and told them I wanted to pushed back at the end of the loan, they said it was done and it wouldnt report late if I were to pay it, so I waited until I got paid again because of Covid and paid it. However its showing a late payment is on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

hello My name XXXX XXXX XXXX i am a XXXX XXXX XXXX XXXX father in the city of XXXX. I noticed somethings on my credit report that i didn't do and i asked the credit bureau todo some research of my report and they responded and said everything was accurate. I have addresses that i never lived at i also have credit card accounts I've never heard off. Can someone please help I'm trying to buy a home and get my kid out this crazy city. Below i will list the accounts XXXX XXXX  XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX In Accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section A states I have 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. 

Also here are the inquiries XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Nelnet was removed from 1 credit report but not the rest of them.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account XXXX XXXX  : account number : XXXX
Product: Debt collection

Radius Global has been calling me multiple times in a day for the last 2 months, a lot of times they call at XXXX. I have asked them to please stop calling me, but they continue to call starting at XXXX. Also the debt incurred while a was laid off for over a year due to Covid. Also I have health insurance and my credit score went down 60 points because of this. They will not stop calling me. I have disputed several times with XXXX and it might be on my XXXX.
Product: Vehicle loan or lease

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The creditor required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : BRIDGECREST XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the months of XX/XX/2022 through XX/XX/2022 i received email notifications that my social security was compromised and was on the dark web. I ignore it thinking it was spam however it was sent to my inbox. I received another email stating that my social security was compromised again and was on the dark web. I soon put a freeze on my credit report until i find answers on what with my social security being compromised. I temporarily lift the freeze and once again another inquiry on report again. I have not authorized any of these inquires. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX  XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi my complain is with Barclay credit card. i have filed a dispute with them because i ordered a watch with XXXX and they said they have delivered my item at first i said thats not possible i was in the hospital i had a XXXX  XXXX at the time this happened. i PROVIDED THEM ALL MEDICAL RECORDS and i have explained to my credit card company i have never received the item nor did i sign for it or anthing like that. i filled this dispute XX/XX/XXXXXXXX  and i keep getting my credit when i explained to them supplied them evidence this was not me. i have also showed them a proof that the XXXX provided me a wrong XXXX  number originally and i never knew the item went out even. first they said it was delivered to me and when i called and asked to send me proof they told me the item was picked up from XXXX  facility and i have never gone to XXXX  facility i told them multiple times the company dont seemed to care about the little people like me, i have called multiple times i kept being thrown from one rep to another and the case manager called today and said they will not give my money back because the merchant filled with proof its me, when i tried to again explain it to the case manager i have never got an item i have never signed for it i send them an affidavit saying its not me. they still dont seem to care i have also showed them copies of the XXXX website that it shows wrong tracking number they just dont seem to care at all. I dont know what to do at this point when this huge balance is on me and my credit score sinked over XXXX points minimum. Please open this dispute back up again and please check with them i want my money back this is not fair to a customer when again i have never received any items from them originally and had every proof and send them everything on time as they asked. Please re open this case and please ask them to put my money back after their investigation they have send me a copy of the signed item i have also send them my signature the signatures do NOT also match. Below i have attached i was admitted to the hospital XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  they have scanned me to find the proof and after that i had my myomectomy after getting approval from the insurance. I also attached the proof that i spoke to XXXX they were supposed to put my money back because i didnt want the item to be shipped and shows on their main website this is the XXXX  number i was provided and i keep checking until this day this is the tracking on file that shows there is no tracking found. This should be plenty of info that i did not sign or pick up any items. I think they have made a mistake. also all the conversation with XXXX  i kept telling them to put my money back. Please take a look at below documentation i have also provided the credit card company because its coming up 6 months they are just not caring and they want to close this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit card opened XX/XX/2015 which is now closed. I was only an authorized user on this account and I am not financially responsible.
Product: Checking or savings account

{$500.00} dollars out of my savings and filed dispute after another about XXXX of them just need my money back
Product: Debt collection

Inquired on a home loan. Debt was sold multiple times during this time and was put into credit report as just going into collections restarting impact of collection on credit report. Never received documentation saying I could dispute the debt. I believe this is a malicious practice to wait until a large purchase was inquired to sell debt multiple times to collection company and restart age of collection to hinder credit score and history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX   XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Care Credit repeatedly failed to resolve my dispute. I explained to them multiple times now that I am disputing charges with the merchant who committed malpractice and falsified medical records. I spent over XXXX on XXXX bills trying to correct merchant negligence and malpractice. My dog had to undergo two XXXX XXXX. I attached the witness statement from another XXXX and two distinct sets of records that the merchant falsified, I also explained that the service was not provided as agreed and Care Credit sent the same response from the merchant dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account for XXXX XXXX is reporting as 30 days late. I have never been late on this account. I have called and written in several times concerning this matter. It hasn't been rectified as of yet. The date it is reporting late is XX/XX/2021. It was removed before, then placed back onto my report. XXXX has removed it permanently.
Product: Debt collection

Hi, I have been unable to get a valid response from their collection team. I am at the end of a very long rope. I have logged complaints on their site, with the department of ed and with FASFA. I understand that their business model requires that they maintain exuberant fees. However, I would hope that would not be at the cost of integrity. Several things keep occurring and I can not get the correct resolution. 

1 ) All my requests for accountability have been ignored. This should include any computer calculation programming ( to validate for errors ) and the itemization of how numbers were applied.

2 ) Several documents uploaded to their portal were removed by their company 3 ) The initial contact person was okay, but massively misquoted the payments. If the ONLY way you communicate is phone, then why is that person 's system so radically different from the office staff?

4 ) Why do they refuse to make contact via e-mail? I have extremely limited phone use.

5 ) I have now made 4 payments of {$370.00} to the dept of ed and my loan has not been released. Furthermore, they have stolen these payment to apply to their fees instead of the loans.

I am trying to work with what now appears like a corrupt company. Is this the image they are striving for? They will not provide me with an officer 's name at the company to discuss how to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been working to modify the loan on my primary residence since XXXX. We sent all paperwork to both NationStar and their counsel. I never received any documentation from them until we requested a reason on why they denied the loan modification. The attorney sent over XXXX letters in which they claim were sent out with missing documents. These were never received. On XXXX XXXX I faxed over another application to NationStar in hopes of modifying my loan. On XXXX XXXX i emailed my attorney to see if he had heard a response. He had not. I check my mail daily and never received a letter from NationStar acknowledging my paperwork or asking for more documentation. On XXXX XXXX as well I called NationStar to find out what the status of the application was. I was told they were in receipt of the modification and that there were two documents they were missing. I was never given a date to have them returned and still had not received any correspondence in the mail to my property or attorney. On XXXX XXXX they sent a letter out denying my loan modification because they did n't receive the documents they requested. I have not received anything with a description of what they needed. This is the second time in which NationStar has not acknowledged my application or communicated with what they needed. In a letter dated XXXX XXXX i received a notice of sale date.
Product: Debt collection

I started to work on my credit and when i pulledmy reports I noticed a collection account for I Q Data Internation. I sent in dispute letter and they sent me back a list of items that they say i owe for. When i did the final walk thru none of these items were a problem, now they claim I owe them XXXX. I do not know how they came up with this amount mainly because they said the carpet needed to be replaced and that is simply not true.. I ould like proof that they needed to changed out the carpet because of something I did..
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 consuming rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A Status 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 convictions of which antedates the 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.
Product: Credit reporting 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. 

Account name : XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX has 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 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.
Product: Bank account or service

Bank of America has charged to my account an overdraft fee when there was no overdraft incident. Attached is my Bank of America Checking Account history.
Product: Debt collection

This company put this account on my credit, and the account don't below to me. 
My step mother open up an account this company, and me and my father share the same name and the company put this account on my credit and it stopping me from close on my house..
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE FRAULDNET ACCOUNTS LISTED ON MY CREDIT REPORT WITH XXXX  XXXX AND THEY HAVE NOT BEEN REMOVED BY CREDIT BREAUS AND I WAS ADVISED BY THEM TO SUMMIT THIS REPORT
Product: Debt collection

I do not have a debt with Key2Recovery. I am constantly receiving phone calls all time of the day. I just want it to stop.
Product: Credit card or prepaid card

My wife and I were shopping for a new table at XXXX XXXX at XXXX XXXX in XXXX. We waited patiently but was never approached for help. We had already found the item online and wanted to see it before purchasing. When we finally sought out an employee to ask for assistance they quickly informed us the the table was not at the location and walked away. 
After leaving the store we still wanted to purchase the table hoping the disrespectful employees where not the norm. After calling XXXX  to set up a membership we decided to apply for a line of credit. The line of credit we denied due to an " inability to verify your previous credit experience ''. This is strange since I have cared many different lines of credit for over 17 years, with combined limits over 20k. I have pulled my own credit report and can not understand why I was denied. I hope that it is not related to the treatment we received in store but worry that having a name of XXXX XXXX was negatively used against me in this decision. 
I would appreciate any help in gaining more information from both XXXX and Comenity Bank in relation to the credit card decision and the action of their employees in XXXX   stores.
Product: Credit reporting or other personal consumer reports

I formally disputed several inaccurate accounts on my credit report due to suspected identity theft. The disputed accounts included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, I identified multiple incorrect personal details, including names and addresses, that do not belong to me. 

Despite previous attempts to resolve these discrepancies, the accounts and erroneous personal information remained on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I exercised my right to request verification and validation of these accounts. Specifically, I asked for documentation proving my authorization of the accounts, original contracts, payment histories, and evidence of the debt transfers. 

On XX/XX/year>, XXXX XXXX XXXX flagged my account as being in collections with a balance of {$170.00}, which I did not authorize. Additionally, an unauthorized hard inquiry was made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit file for an installment loan or new bank account. 

I have requested the removal of all unauthorized inquiries and fraudulent accounts and demanded a written response within 30 days, as the FCRA prescribes. I have provided the necessary documentation to support my dispute, including government-issued identification and proof of address. I am awaiting the resolution of this matter and the removal of all inaccuracies from my credit file.
Product: Credit card

Synchrony Bank, Care Credit Card. 

I have made regular payments every month, they have been charging interest and then adding even more interest on top of that every month. each payment not going toward promotional balances. then they are backdating to the initial charge. and adding an unreasonable about of interest from that original total. They refuse to make any adjustments to receive a payoff so they can just keep increasing the balance of the card even though I have paid more than the original purchase price to date. I were to pay the current balance it would be if I paid 100 % increase in the total charges. This company is a scam and it was believed to be available to help people in need with medical issues. but no, they are taking advantage of sick people in times of financial need.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX XXXX ( Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} ), XXXX ( Account # XXXX, Date XXXX, High Credit : {$2100.00} ), XXXX ( Account Number : XXXX, Date Opened:XXXX, Balance : {$930.00} ), XXXX ( Account # XXXX, Date OpenedXXXX XXXX High Credit : {$180.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.