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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am demanding the deletion of the account XXXX XXXX XXXX XXXX. Not only is the collection agency reporting this account illegally by not verifying the account, per FCRA and FDCPA regulations, the alleged balance is less than {$500.00} and should not be on my consumer report. Congress passed the No Surprises Act to help protect Americans from certain unexpected medical bills, including surprise medical bills for emergency services from out-of-network providers. XXXX XXXX under {$500.00} are to be removed per the change that went into effect XXXX XXXX. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA and FDCPA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced on XXXX XXXX criminals stole personal information on up to 143 million people. This data that includes names, birth dates, Social Security numbers, addresses and driver 's license numbers will most likely be sold on the dark web and used to commit identity theft, credit fraud, tax fraud, fraudulent authorization data ( contacting your bank or credit card company impersonating you ). I went to their website and they stated I may be affected. When I went to their site to put a credit freeze on my account they want me to pay {$5.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There several items reporting inaccurately on my credit file : Incorrect Personal Information : I never lived at XXXX XXXX XXXX XXXX XXXX ( Experian ) Incorrect Status : I was never late on XXXX Open Date : XX/XX/XXXX. Please remove late. ( Experian ) I was never late on XXXX XXXX XXXX ; Open Date : XX/XX/XXXX. Please remove late. ( Experian ) Fraudulent Account or Identity Theft Items : XXXX XXXX  - Open Date : XX/XX/XXXX Bal : {$1900.00} ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.
Product: Student loan

They have continued to charge me interest during deferment periods, have added bulk charges to my balance, and also charged me interest during the federal freeze period for Covid-19. I want this unethical practice to be identified by the courts and to be cleared of any debt burden with Navient moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the information reported to credit reporting agencies regarding a late payment back in XXXX. 

My payment was not 30 days late. 

I made my payment on time, what happened was gap and mixup during the transfer of loan servicing from XXXX to XXXX. 

I made my payment on time to XXXX, however, unaware that my loan servicer had changed over from XXXX to XXXX  the money went from XXXX to XXXX and sat in a holding account because the XXXX loan number did not match the new XXXX. 

When I received the delinquency notification via USPS mail service, I immediate contacted XXXX and discovered my payment funds for XXXX and XXXX had been received but had not been applied to my new XXXX mortage account. 

The mix-up was corrected with funds applied and my account brought to good standing. However, what was not corrected was the information reported to the credit agencies that shows my loan payment was not 30 days late. 

This information reported is not correct and inaccurate. 

I've made 3 attempts to dispute this inaccurate reporting through Experian and each time no success. 

Now I'm reaching out directly to seek out the correction of this information. 

I'm asking the information reported to credit agencies be updated to accurately reflect those funds were received, and not applied to my new XXXX account. 

I also am very confused as to how XXXX is reporting on-time payments going back as far as XXXX when I never made payments to XXXX during the reporting periods.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i got in contact with Innovate Loan Servicing and they are not doing anything to fix my credit and remove the error by reporting wrong information that should not be there because i do not have a open contract with them for a loan i do not have a loan or the vehicle i dont know if i should look for a lawyer its affecting my credit score and nobody is helping me and its no fair because i have proof i do not have a open a account with them its been giving me alot of problems lately what can i do? The only thing they tell me is that what 48 hrs and i call back and still they cant do anything about it???
Product: Credit reporting

XXXX XXXX didnt provide me with the agreed upon paper or electronic statement for two months. No paper statements ever got to me and then gave me a call on XXXX for the XXXX time. They explained I had a late payment for a bill of about {$12.00}. I explained back I never got a notice or any reminder of that in any possible way other than promotional emails and routine emails. I was promised that if I pay on the phone entire amount plus XXXX month ( not XXXX months! ) of late fees, there will be no problem with credit reporting or anything else. I paid all in full as agreed upon on this first call I got form XXXX. Same day I saw to my surprise and against all that was explained to me on the phone that my account was reported delinquent by XXXX. I called back several times to talk to the XXXX but they didnt want to help or explain why the reporting happened after my account was fully paid. In addition, they only send me a notice to dispute the status of the account only after it was in good standing.
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 : DEPTEDXXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

My wife and I submitted an online application to open a joint CD account on XX/XX/2023. Since everyone around us had no trouble opening CD accounts and their applications were accepted within an hour with no additional documentation required, we expected it to be the same. However, we did not hear anything until XX/XX/2023, the day my wife, even though I was the primary applicant, received an email from the bank requesting additional documentation, which are copies of driver 's license and social security card and a copy of a utility bill under her name to verify her identity, but I did not receive any communication from them. I checked my spam folder, trash folder and all archived emails, I could not find any email from them. 
We wanted to open the account quickly, so even though I did not receive any communication, my wife uploaded both of our identification information instead of just hers on XX/XX/2023. We did not hear from them for two weeks, so on XX/XX/2023, my wife called the bank 's customer service department to inquire about the status of our application and to see if there were any issues that needed to be resolved. The customer service representative immediately transferred the call to the security team. She was then told that we had not sent the required documents. She said she did two weeks ago, then the staff told her the documents they received ( they changed to " received '' ) were not sufficient because they were not clear enough and one of the utility bill copies was outdated, even though the XXXX  bill we sent them two weeks ago was current at the time, but we recently received another bill. The staff did not respond to her inquiry, i.e. she wanted to know what problems or errors in our application may have caused the delay or if we have any negative records on our consumer report such as XXXX XXXX  or XXXX XXXX XXXX, but she did not get and answers. Instead, she was told to take pictures of our ID documents so that she could upload them back to their web site. Now opening a new CD account with them is not important for us but we want to know the reason why we have been treated like this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

A new credit inquiry appeared on my credit report. A hard inquiry appeared on XX/XX/22 regarding XXXX XXXX. I have not applied for a credit card or a loan with this institution so I suspect it is fraud.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/year> Docket Identifier XXXX XXXX XXXX  Original Creditor XXXX XXXX Balance {$3500.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Original Creditor XXXX XXXX Balance {$890.00} XXXX Original Creditor XXXX XXXX XXXX XXXX  Balance {$620.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$610.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance {$560.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$110.00} .
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card in XXXX with Key bank for XXXX XXXX XXXX the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX XXXX  They list the account as XXXX on the file with XXXX and XXXX and XXXX show a different number. I have disputed this for three years I closed the account in good standing with a XXXX  balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One was suppose to close my account in XXXX but somehow did not do it. I had not used the account for over 10 years and also moved out of XXXX  in XXXX to XXXX. Not knowing that a company out of the blue added a charge onto my card that was supposed to have been closed years ago without my approval. I only found out because my FICA score had dropped from XXXX to XXXX. I reported it to Capitol one and they supposedly did their investigation for a total of XXXX dollars. They said it was mine even though I had not used this card that was supposed to have been closed 10 years ago. It was resolved in XXXX but than they reported it again to XXXX  and lowered my FICA score again. I keep telling them this is not my charge, I did not authorize it and I haven't done business with you in over 10 years. So they've lowered my score over XXXX dollars that I had no idea was happening because I did not get any emails or paper mail from Capitol One. I want my FICA scored corrected and CAPITOL ONE out of my life forever. 
Its been so long since I've done business with Capitol One I have not credit card numbers, receipts, or any other documentation from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX : XXXX is reporting a payment status of current with no late payments, Experian is reporting a payment status of current with no late payments and XXXX   is reporting a payment status of current with late payments of 30 days in XXXX and 60 days in XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit card or prepaid card

This is unusual in that when I asked for a new card to be issued because of possible fraud they did issue me a new card but hasn't come in the mail as yet & it was supposed to come by now. I just called and asked why and they said they needed my Driver 's license faxed to them via my smart phone. I do not own a smart phone so we sent it another way. I received via my e-mail the FIRST TIME they asked in an e-mail notice they DID receive the copy of my license, however when my snail mail card has not arrived and I called just now they are claiming they never got it! I saved the e-mails from them the first time they asked that they did! It all sounds " funny '' to me! Are they even supposed to ask for your driver 's license and ID in the first place????? It feels wrong that they are asking for that kind of information. I've been a customer of theirs for a long time now and never missed a payment ... ..This all from Capital One Credit Cards . Needless to say I am closing that account and going to go to another Credit Card company as I have NEVER been asked to do that before by any company and I have very good credit. it sounds very suspicious to me & I can actually say I've never missed a payment for anything as long as I've been an adult and had a job. So what gives???? Is this even kosher to do???????
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX has violated my rights. 

15 u.s.c 1681 section 602a. states that i have a right to privacy.

150u.s.c 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Please see the attached letter; please note that I am submitting the complaint against ALL three bureaus : Equifax, XXXX and XXXX. 

There are several documents ( verifications ) that will be submitted too. 

If I have to submit for each bureau ; please refer to this original-first submission for ALL the documents/ Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I believe that Capital One has threatened me for complaining to multiple agencies and other entities about a closeout cashier 's check they sent me that bounced twice.

I filed a complaint previously about my closeout check from Capital One bouncing. In response, I believe that the president of Capital One, XXXX XXXX through his representative has threatened me. I received a message from someone in his office lying and telling me that someone from their security department had been trying to reach me. This was not true and Im not sure why the Capital One presidents office doesnt know that phone records can be easily accessed. No one had called me prior to that voicemail message. Capital One has a history of harming and violating the rights of minorities. I believe the lie she told in her voicemail was an implicit threat against me. Why would security need to call me? She was calling from the presidents office and she knew that no one had called me. She left that message because I complained to multiple agencies and have started calling the media. I firmly believe that was her attempt to threaten and intimidate me and it is unacceptable. Ive included content from the message below and have only removed names. The check represents several Social Security deposits that I received because I am XXXX. Not only did the cashiers check from Capital One bounce, I was charged two return check fees for almost {$50.00}. When I called Capital One, the representative was psychologically abusive and tried to make me believe that it was not their fault that their cashiers check had bounced. I was told that I needed to take it to another financial institution because it was a cashiers check and there should have been no problem. None of that was true. I should have received my funds in XX/XX/2023 only to finally receive a bad check from them in XX/XX/2023. This has devastated me financially and harmed me in myriad other ways affecting my health. 
" I left messages for -- -- -, this is -- -- - calling from Capital one 's Office of the President. I was reaching out today about a complaint I received if you could contact myself back or the Capital One Security team. We previously left you a voicemail earlier today. They do have a little more availability than myself, but my number is XXXX. If you do want to reach out my extensions XXXX. I'm generally available from XXXXXXXX XXXX. To XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you. Have a great day. '' Again, lies. That was the only call that I received at all and I got a voicemail when I called back, but I don't trust them at all. This is a large bank and their XXXX 's check bounced twice and I've just gotten abuse and lies.
Product: Credit reporting or other personal consumer reports

This is a collection that is being reported illegally this is violating my privacy and HIPAA law.

Please remove from the credit report or you're opening yourself up to litigation.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

As ofXX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXX regarding the issue but the item is still showing on my credit report.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. 
The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Authorized Agent for the NAME XXXX XXXX XXXX or XXXX XXXX XXXX, requesting this block for the name of my PERSON. 

The Accounts that I need removed are XXXX XXXX XXXX with the amount XXXX. The original creditor was XXXX XXXX. 

Also, XXXX XXXX, Amount XXXX original creditor XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX original creditor XXXX XXXX XXXX XXXX, XXXX original creditor XXXX XXXX
Product: Payday loan, title loan, or personal loan

As a senior citizen I open a Title Loan # XXXX with XXXX XXXX to pay for my wife 's emergency medical procedure. I did make all payments on time as agreed in the contract. Since XXXX of 2021, I have been trying to pay the loan, XXXX XXXX made it difficult to pay while the loan is accumulating interest at {$14.00} per day. On XX/XX/2021 I attempted to pay {$6700.00} XXXX XXXX only accept {$4000.00} and forced me to defer the remaining balance of {$29000.00} for XXXX more days while interest of {$14.00} continued. I final paid of the Loan on or about XX/XX/2021. I sent a letter to XXXX XXXX requesting a refund for over payment and was ignored. ( see attached ) Since I never received a respond, I contacted my Bank and requested to dispute {$1000.00} from the {$2900.00} paid. XXXX XXXX reinstated the loan and send me bill for {$1900.00} and I received numerous threaten phone calls from XXXX XXXX to do great badly harm to me and my family if I don't pay. ( see attached )