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

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from Capital One. While auditing my credit repair, I came across a few errors. Capital One Bank is not reporting the same date opened to all 3 credit bureau, Capital One Bank is not reporting the same High Credit to all 3 credit bureaus, Capital One Banks is not reporting the date last active the same to all 3 credit bureaus. Because of Capital One Bank not reporting accurately to the credit reporting agency the same across the board, its affecting my scores and worthiness. I tried challenging heir Accuracy and Integrity but no one from Capital One Bank or the Credit Bureaus have answered my issues. The negative and defaming information is hindering me from getting a favorable credit score and interest rate. I reached out to the credit bureaus ( XXXX, XXXX, XXXX ), they never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Credit reporting or other personal consumer reports

I was looking over my credit and noticed unauthorized inquiries Per 15 U.S. Code 1681 my rights as a consumer are being validated. I've listed the inquiries below please remove them immediately XXXX  -- - XX/XX/2024 XXXX -- - XX/XX/2024 XXXX -- - XX/XX/2024 XXXX XXXX -- - XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX -- - XX/XX/2024 XXXX
Product: Debt collection

I am personal representative of an estate and contested a bill in writing. The company never responded to the letter and although the contested amount was removed from the account in XXXX never notified me. I paid the amount through a direct debit on XXXX XXXX, 2016 and was assured a letter clearing the claim would be issued within 14 days, I called againXX/XX/XXXX2016 and was assured a letter with copy to me would be sent ( never received ) called again XXXX/XXXX/2016 and was promised a letter ( not received ). The lack of a release of the claim is not allowing me to proceed to close the estate.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX XXXX acct XXXX date opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. acct XXXX date opened : XX/XX/XXXX. Fraudulent inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX CREDIT ACCOUNT # 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 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX, using Zelle through my bank 's app ( XXXX XXXX XXXX ), I attempted to transfer funds to my spouse. Unfortunately, the phone number was off by one digit and the funds went to an unknown individual. I contacted my bank the next day ( XX/XX/XXXX) to begin an investigation to recover the funds. I received a letter from the bank dated XX/XX/ stating that " the funds were not available to reclaim from the receiver. '' On XX/XX/, I contacted my county 's sheriff 's department to file a complaint/case. I received a call from a sherrif 's deputy on XX/XX/XXXX stating they could not identify the person to whom the funds were sent and thus could not recover the funds. In between these dates, I attempted to contact the number to which the funds were sent via calling and texting with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a short term loan via email communication. 
I've dealt with them before, so took the loan. The monthly repayment was {$100.00}. My first payment was due in XXXX, which I made a double payment prior to the due date and was given a new due date of XX/XX/XXXX for my next payment. In between the time the double payment was made in XXXX and before XXXX, they reported me delinquent to the credit bureau. I immediately attempted to contact them by phone, but you are NEVER able to connect to a live person, they tell you to email or send a response thru their website. I tried multiple times and each prompt disconnects you and doesn't allow you to speak with a person. I emailed them 3 times : XX/XX/XXXX by email, XX/XX/XXXX on their website and again on XXXX as I have received no response to any communication I made with them. Additionally, I emailed to rescind my authorization for any automatic deductions for payment from my checking account, To date, not one response to any email or communication from them. I also disputed this with the credit bureau, but they continue to clear my dispute and list me as delinquent. I should not have been reported delinquent as per my online account, it stated my next payment date was XX/XX/XXXX - I assumed since I made a double payment at the end of XXXX, that was a true next due date. 
This company will not return a call to me, respond to my email requests to discuss, absolutely no response. I need assistance in getting this resolved.
Product: Student loan

As a borrower, I have been paying back my student loan debt ; however, and per usual Fedloan has not acknowledged any aspect of my complaint - that I have not been credited for payments totaling over {$26000.00} + over {$3000.00} in accruing interest. 

When I contacted FedLoan again throughout XX/XX/XXXX - and since XXXX - the statement Fedloan mailed to me on XX/XX/XXXX is missing {$26000.00} + over {$3000.00} in accruing interest and the response I receive is keep submitting additional records. 

I have years of detailed records showing my payment history and Fedloan mistakes. 

I am asking for assistance and protections granted to borrowers under the law. 

Thank for so much for your time and consideration in this mater. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as XXXX in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.
Product: Credit card or prepaid card

Citibank has closed my credit card, XXXX 's card as well as my wife 's credit card. 
They refuse to advise me for the reason they closed them and state they have the right to close any account for any reason or for no reason. 
They also forfeited all thank you points and cash rewards earned which is totally unacceptable. 
My wife and I have never been late in paying our accounts and.we did not experience such a situation with any other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with you and each time the investigation cambe back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide proof or documentation to verify this specific account with me. All they sent me was some generic response stating that the account is accurately being reported to the credit reporting agencies. They did not use reasonable measures to ensure the accuracy of my credit reports and it seems credit bureaus are stalling the process further. This is a violation of the FCRA
Product: Credit card

This claim is to reference XXXX XXXX AS I WAS ABLE TO FIND THE OTHER TRANSACTION THAT OCCURED TO THIS SCAM COMPANY. As stated I have fraudalent transaction that have cause me to suffer i have reached out to my bank to allow them its fraud yall did resolve the ach. I need help with resolving these transactions and recovering my funds XX/XX/2021 XXXX {$1000.00} XX/XX/2021 XXXX {$10.00} XX/XX/2021 XXXX {$990.00} This money was added to XXXX  to fund XXXX
Product: Checking or savings account

Called XXXX ( did a search and received XXXX XXXX XXXX ). Received an invoice from PayPal, invoice XXXX for XXXX, called for a refund to my account they wanted to gain access to my computer told them it wasnt on and being an IT Tech wasnt going to turn it on they then hung up on me. They then told me that the charge was from XXXX I told them that there IP address was forwarded to someone else to follow them.
Product: Credit card or prepaid card

I have had a Sams XXXX financed by Synvhrony Bank for well over 10 years now. My statement due XX/XX/2021 includes a {$94.00} late fee for a total minimum payment of {$230.00}. Through research, it was determined that Synchrony received the payment by the due date of XX/XX/2021 but failed to process the payment before the due date. This was confirmed by Georgia, a customer service representative on the morning of XX/XX/2021. A new minimum amount due of {$100.00} was agreed upon at that time and was immediately paid online on XX/XX/2021. Once again, Synchrony failed to process a payment ( this time paid online ) until AFTER the due date and my current bill XXXX due XX/XX/2021 ) shows ANOTHER late fee of {$28.00}. They are clearly trying to scam people into giving them more free money as if the bailouts of XXXX werent enough.
Product: Bank account or service

My XXXX issued me a Bank of America debit card through which I would receive payment for XXXX. I am no longer with that XXXX XXXX and called the Bank to close the account. They said I should expect a check in the mail in 7 to 10 business days. That was in XXXX. It 's now been 2 and 1/2 months. And after repeated calls still no check. They said my first and last names were switched. The first XXXX and last XXXX digits of my account are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial ha s incorrect hard inquiries on both my   XXXX   and  XXXX  credit reports. They are showing inquires from  X/X/16   . Inquiries that I did not authorize . One  main financial has sent me a letter on  XXXX  stating that they do not see hard inquiries on those  XXXX  reports even though I sent them a copy of both reports. I do not know what one main financial is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my   XXXX     and   XXXX   report. The inquiry date is  X/X/16
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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. 

This is account needs to be investigated and deleted immediately from my file. 
Please send me confirmation once complete. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This needs to be done.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CBE GROUP. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Vehicle loan or lease

I would greatly appreciate someones assistance in this matter. I purchased a XXXX XXXX XXXX in XXXX from XXXX XXXX in XXXX XXXX, TX and it was regrettably financed through Chrysler Capital. I have made several attempts since XXXX of XXXX to make contact with Chrysler Capital in regards to the real balance of {$480.00} that they show on my account with them but yet show a balance of {$680.00} on all of the credit reporting agencies. Neither XXXX of the amounts is correct and hasnt been since at least XX/XX/XXXX when Chrysler Capital cashed a check from XXXX XXXX in the amount of {$460.00}, the documentation regarding this check payment was provided to me by XXXX XXXX and is also attached. I recently disputed the Chrysler Capital account on my credit reports again & again it stated that it was valid. I have also attached message documentation that I sent on their account website. I have contacted them several times via phone and their internal messaging system since XX/XX/XXXX, as you will see on the message information that is attached, its the same message, over & over and when I call they always say that they have opened up a ticket and it could take up to XXXX hours for them to do their research. They had me fax over the documentation for Check # XXXX in the amount of {$460.00} from XXXX XXXX that they received and cashed on XX/XX/XXXX. This amount was never applied/posted to my account, they have confirmed that received my fax documentation from XXXX XXXX on XX/XX/XXXX, I have called at least once a week ever since then to be told every week that I call that the tickets were closed and they opened and submitted another XXXX. Look at the messages that I printed, as you will notice, they never called me much less replied to the message but the status is XXXX. Also, the balance that they show on my account right before my car was totaled out in an accident was {$20000.00} but the balance according to Chrysler Capital and my XXXX XXXX XXXX XXXX shows {$20000.00}. I am not sure why but using either XXXX of those balances, they were paid exactly {$20000.00} and I owe them Nothing, I have attached a spreadsheet to show you these numbers and all of the payments that were made to Chrysler Capital. I also attached my Transaction History from my online account, please take notice that all of my payments beginning in XX/XX/XXXX were on time and never late. I will be sending this documentation to all XXXX credit reporting agencies, I also found a Consumer Complaint agency on XXXX  website along with the option to upload this documentation if I did not agree with the Dispute results. I will be sending this to the XXXX XXXX XXXX as well as contacting an Attorney about this matter, this is just flat out ridiculous and they have gotten away with this for almost XXXX years now.
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and removed : XXXX XXXX {$0.00} XXXX remove acct XXXX XXXX {$1400.00} XXXX update to never late XXXX XXXX {$800.00} XXXX remove acct XXXX  XXXX Bankruptcy {$0.00} XXXX-remove acct XXXX {$0.00} XXXX remove acct XXXX  XXXX XXXX remove inquiry XXXX XXXX remove inquiry
Product: Credit reporting or other personal consumer reports

Im fed up with these fraudulent accounts on my credit report. Theyve been damaging my score and blocking me from opportunities Ive worked hard for. The longer this goes on, the more frustrated and helpless I feel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Check credit report and Equifax reaged an item XXXX  my credit report again and that is wrong. 

Per email they reported it XX/XX/XXXX and equifax reported it XX/XX/XXXX. 

Please help me get it corrected to reflect whast credit union stated!
Product: Mortgage

I have tried to rectify problem before with Chase each month when the payment is made the Chase rep calls XXXX to straighten out the payment has been deducted yet by my account I now have a payment history and without knowing I have tons of late charges never disclosed by Chase
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$320.00} XXXXXXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Professional Credit Management continues to report a debt on my credit profile after I have disputed the account asking them to validate it is my account. They failed to validate the account with my social and my signature. They sent me an itemization showing what procedures were done at XXXX ( HIPAA violation ). I have no knowledge of the account so I asked for these pieces of information ( social and my signature ) to validate that it is actually my debt. The first letter was sentXX/XX/XXXX and the second one in XX/XX/XXXX. I have even offered to pay the amount they say I owe if they would remove it from my credit profile inXX/XX/XXXX. That request was denied.
I 've included an attachment to show when this account was opened. You will also see the remarks that shows I have disputed this. The opened date of XX/XX/XXXX also puts them outside of Arkansas Statue of Limitations for Medical Collection : Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).
I have not paid anything towards this debt and continue to go back and forth with them over an account that is being reported outside of my state 's statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX