23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone from XXXX XXXX is illegally reporting a debt owed that I was never contacted about, never had any knowledge of. Wakefield and Associates placed a debt into collections on my account on XX/XX/22. For a total of {$3000.00}. I was only recently made aware of this when I looked my credit score up this month. I have no knowledge of the original creditor company. Looking online says its a known scam company. I never received anything about owing anyone money. Nor have I ever owed/ paid them any money. This debt is not real. Wakefield and Associates is trying to scam money from me with the help from whoever hired them to fake it
Product: Credit reporting or other personal consumer reports

On or around XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I submitted disputes to Equifax, Experian, and TransUnion regarding the reporting of an alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report. I disputed that the account was not reporting 100 % accurately and completely, particularly with regard to the payment history. 

Despite my disputes, all three credit bureaus have verified the accuracy of the reporting. However, they are not reporting the exact same information. The inconsistencies in the data indicate that the information being furnished by XXXX XXXX XXXX  is not being consistently or accurately maintained across all three credit bureaus. This raises concerns about XXXX XXXX XXXX  compliance with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, which requires furnishers to report complete and accurate information and to correct any errors when a dispute is raised. 

Furthermore, FCRA Section 1681e mandates that credit reporting agencies ( CRAs ) must have reasonable procedures in place to ensure the accuracy and integrity of the data they collect, maintain, and provide to third parties. The law requires CRAs to implement effective review systems and safeguards to prevent the dissemination of inaccurate information in credit reports. If the information being reported by the CRAs is inconsistent, this raises several critical concerns : Was a reasonable investigation actually conducted? 
What account-level documents were reviewed beyond the XXXXutomated Consumer Dispute Verification ( ACDV ) form?

Did the credit bureaus directly contact and speak with a representative from XXXX XXXX XXXX? 
Were ALL payment history details, charges, and credits reviewed thoroughly? 
Without a thorough review of account-level documentation, it is impossible to conduct a meaningful and reasonable investigation. The failure to ensure that all three credit bureaus report the same, accurate information suggests that both XXXX XXXX XXXX  and the CRAs have failed to meet their statutory obligations under the FCRA. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter to determine whether XXXX XXXX XXXX and the credit bureaus have conducted a proper reinvestigation in accordance with federal law.
Product: Credit card or prepaid card

I have been trying to dispute a large amount of money. I have been given the runaround from Capital One. First they lost my certified packet that I sent for my dispute. Then I had to upload over 100 pages to them with an expert who verified that the large charge was invalid. After speaking to many different supervisors they did nothing. They kept telling me that they would escalate this, but in the end I received a phone call from someone who was foreign who had a hard time explaining why this was not allowed. After all of this mess I contacted the Executive Resolution Center ( you can only fax them ) and explained my case along with the Chargeback reason code XXXX, which is where my dispute is valid. This was faxed on XX/XX/2018. I have heard nothing back from them. However Capital One called me the other day telling me that they were adding back XXXX to my card. The Executive Resolution Center does nothing. I have many emails and a paper trail of all supervisors and staff I have spoken to.
Product: Credit card

I received a Kohls/Capital One visa card that I did not ask for or request. I called Kohls and spoke with supervisors and wrote a letter to Kohls XXXX asking that they not send me this card. I only want to keep my " store '' Kohls credit card. Kohls could not cancel the Capital One visa. I would have to cancel it once I received the card in the mail. I never ask for this card. I never agreed to this card. I never wanted a Capital One/Kohls Visa .

How can a company ( KOHLS ) do this without my permission and not be able to cancel it when I call them to complain.

How they can get away with this is beyond me.

I have cancelled the Capital one visa after several hours of being shuffled around on the phone and finally getting a supervisor. I was told that my store Kohls card will not longer be active as well. Good XXXX XXXX Kohls will no longer be a store I will shop at with this kind of shady practice they should be sued.

I want to note that my husband was not send a Visa card so It appears only some people are treated this way.
Product: Checking or savings account

I was charge a overdraft fee on a transaction that I used my debit card 60 days prior, which I saw came out of my account, and Put my account into overdraft on the same day that I would normally receive my payroll and it was held till the next day And released my check with my company they said it should have been in my account on that day that they charge me to overdraft so they held my held my payroll check until the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Capital One has violated my rights with account XXXX. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
This company has violated these terms for the following months. 
XXXX and XXXX and XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I received an email from Experian stating that the certified letter I mailed on XX/XX/XXXX and letter was delivered on XX/XX/XXXX. I called Experian today case # XXXX to see if they had received the letter with my ID as well as proof of address attached. The man on the phone proceeded to say, they received it but they cant prove that it is me and that they cant reinvestigate because they are not sure that the letter came from me. This is my XXXX time trying to dispute inaccurate information being reported on my credit report by Experian.
Product: Credit reporting or other personal consumer reports

Actually my card was lost and not replaced, didnt have online access and my card was secured.
Product: Checking or savings account

Dear Sir/Madam, I am a client of Suntrust bank for for the past three years and hold a checking, savings and business account in the XXXX Ga branch . I had requested reimbursement of funds that were frauduently taken from my account starting on XX/XX/XXXX XXXX. 

An investigation was prompt on XX/XX/XXXX. A computer hacker tried to steal {$2100.00} from my account. This transaction was noticed by me and I alerted the bank 's fraud department and the account was immediately suspended. 

I was promised that the funds would be reimbursed to my account within a reasonable time 10-30 days. 

I am sad to say that despite making calls to the customer service department and visiting the branch several times, there has been no action taken to date. Its been four months now. 

My dispute details are : Account No : XXXX Business Checking Account Unauthorized Items disputed Date Amount of Debit XX/XX/XXXX {$1100.00} XX/XX/XXXX {$610.00} XXXX {$1300.00} I request you to look into my case and help me to be reimbursed the money that was stolen from my account. As well as all of the associated NSF fees associated with these unauthorized transactions. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened three separate disputes with Experian recently. I submitted them screenshots of the errors on my reports and proof that the three separate loans have been paid off in full. XXXX immediately denied, via phone call, their false reporting to Experian and referred me to Experian to figure it out myself. I can't possibly fathom how Experian could look at my evidence showing the loans paid in full, which I suspect they failed to do, and also not notify me of their alleged investigation results, which was a total sham anyway. This isn't the first time that XXXX has blatantly lied in a scenario that I caught them in. This company has no ethics whatsoever.
Product: Debt collection

LVNV FUNDING LLC ID : XXXX ACCT # XXXX {$43000.00} OPENED XX/XX/XXXX COLLECTION ACCOUNT : NOT MINE AND FRAUDULENT LVNV FUNDING LLC ID : XXXX ACCT # XXXX {$52000.00} OPENED XX/XX/XXXX COLLECTION ACCT : NOT MINE AND FRAUDULENT XXXX XXXX ID : XXXX ACCT # XXXX {$27000.00} OPENED XX/XX/XXXX CHARGE OFF : NOT MINE AND FRAUDULENT
Product: Student loan

I am again going through my repayment options  with Navient. And again,  my only options are to do a forbearance based on my income. I borrowed  XXXX  and now owe $  XXXX . I need to start paying on these loans but for many many years my only options are to either do the forbearance with {$0.00} payment or to pay a very large monthly payment which I can not do based on my finances.
Product: Debt collection

Today XXXXXXXX XXXX I received a link from credit karma. It stated my Trans Union disput had been completed and verified by XXXX XXXX XXXX I called XXXX XXXX and made them aware of XXXX XXXX had placed incorrect data. The had been made aware I could not afford the new rent prices. was going to move out before my lease was up. Move in XXXX XXXX XXXX XXXX XXXX. Made XXXX manager XXXX was aware and worked with me to prevent any negative actions. 
After speaking with repersentative she assurred me all the information requested allowed any derogatory information from my account. By it being placed wrongfully and having had a negative impact. It would be removed. I had to allow for her to take a dollar from my XXXX account. I told her I had copy of XXXX XXXX  XXXX death and social security letter showing loss of XXXX XXXX  benefits. 
The next thing I recall was her saying the fee of XXXX would be deducted from my account and she was canccelling the monthly fee of XXXX. 
I
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put a dispute in with XXXX about my Ad Adstra acct that they continue to report as validated and correct. I spoke with Ad Astra and they have informed me that this is incorrect and they reported to XXXX  that this acct is unreportable and they are unsure of why the tradeline is still on my credit profile with XXXX. I informed that I have explained this to XXXX on multiple phone calls and disputes online and they still will not honor what is being reported by the company Ad Adstra. I have a recording of the phone call between me and ad adstra and this proves what I am saying. It can be validated with the company and the supervisor XXXX that I spoke with on what was told to me. I am feeling that the last resort in this case if this and reporting to the CFPB does not work that I must continue with my legal advice and seek litigation from this company. The call that I have recorded was OK 'd to be recorded by both parties and it was also recorded on the colletors end. All other bureaus have complied except XXXX   and I am not sure why.
Product: Checking or savings account

I have deposited check written in my name to my bank. I did open a new savings account with the bank to deposit the check. When I checked on transfer of the money I was told that money from the account was taken back. I reported to my bank about his fraud activity. The bank has freezed my account and closed it. When I went to the bank I was told that bank is cutting all ties with me and I will receive the resolution letter about this investigation in the mail. I am still waiting to find out what had transpired.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. It is of utmost importance to underscore that these accounts do not belong to me and are fraudulent. 

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a car and realized the company abuse my credit by asking more than one back for approval leaving me with way too many inquiries
Product: Debt collection

Debt of {$10000.00} was applied to my credit, but I didn't receive any notice informing me of the debt. There was no court summons, no one reached out to me in any form, and I didn't receive any breakdown of how or why I owe that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report with Experian on the morning of XX/XX/XXXX. I saw that they had " UPDATED '' the date of a Charge Off with XXXX XXXX. I had filed a dispute with Experian twice before about the company and the fact that I never even opened the account, but after a deal they gave me, I agreed to pay a charge off amount of {$170.00} of a {$300.00} credit card bill they said I owed them for processing. The charge off was on all my credit reports as XX/XX/XXXX. Experian ran an update, and now the charge off is labeled as XX/XX/XXXX. I tried to dispute the information through their dispute process, and was told that I can't dispute against XXXX XXXX anymore. If you go into archives of my credit report, it is on page 8 of Experian 's XX/XX/XXXX, and it will show that the report has the XXXX XXXX account closed as a charge off, paid, and updated as of XX/XX/XXXX. I'm willing to bet that my report will increase by at least 50 points on Experian, when they set that charge off back to when it actually happened. Can you help me get this fixed, since they will not let me file another dispute or have anything else to do with XXXX XXXX anymore?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment remark on my account, which has significantly impacted my creditworthiness. 

Since that time, I have taken considerable steps to ensure that my payments are made promptly. I have always valued my relationship with these accounts and have otherwise maintained a good payment history. This isolated incident does not reflect my usual financial behavior and commitment to fulfilling my obligations. 

The presence of this late payment remark is continuously hurting my creditworthiness, affecting my ability to secure loans and favorable interest rates. Given my overall positive payment history and the specific circumstances surrounding the late payment, I kindly request that you reconsider and remove the late payment remark from my account.
Product: Mortgage

I DID DO MODIFICATION IN XXXX XXXX THRU XXXX MODIFICTION PAPERS WAS SUPPOSED TO BE OVERNIGHT TO ME.AGAIN HOW CAN XXXX SCHEDULE AND WEB SITE SHO 2 DIFFER MOUN OWE.
Product: Debt collection

XXXX XXXX XXXX XXXX date : XX/XX/XXXX Amount : XXXX Claim # XXXX This debt resulted due to the fact that the the XXXX XXXX XXXX failed to submit a claim within timely filing period as prescribed by the law and the providers contract with XXXX XXXX. It should be noted that I received service at XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and they submitted a claim for the service received on XX/XX/XXXX on time and failed to submit a claim for the XX/XX/XXXX service and charged me for it. When I bought it to their attention they said they will file a claim with my health insurance company and that I shouldn't worry about it it, due to the fact that they had failed to submit claim on time. Only for them to later send it to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

When attempting to obtain a free copy of my credit report or temporarily lifting a security freeze, I am never permitted to complete these transactions online. The copy of the credit report was denied online on XX/XX/XXXX. The security freeze denial attempt was XX/XX/XXXX. Both instances I was required to mail in their completed form with copies of my identity proof ( copy of social security card and NC drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2016 I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. everything was good until l started to have warranty issues with the truck. I had it to the dealer 4 times for the same issue to try and get it corrected. XXXX XXXX XXXX was going to fill it under the lemon law as they could not find a solution to repair. They even took the truck to their Tech Center in  XXXX Michigan to have the engineers try to find a solution since they had ten more vehicles with the same issue being brought to dealers. I made payments even when they were working on it at first. During this time I had numerous conversations with XXXX Reps and I was told since they were going through the lemon law process that i did not have to make payments as I was not in possession of the vehicle the manufacture was in possession. It took 3 months for them to find a solution to the issues with the XXXX XXXX XXXX 's. When they told me i could get me truck back i accepted the vehicle and began to make payments like normal. I spoke with XXXX XXXX about the issue and they agreed the account should not show delinquent and in fact their own web site shows me as being current. I do not understand why this erroneous information is on my credit report. If XXXX XXXX XXXX can show on their site that i am current what is the problem with the credit report. I am at the point to getting a lawyer and get this straightened out. You would think that XXXX XXXX XXXX whether it be the manufacturer or their financial branch would be able to get an issue like this straight but that has not been the case. XXXX XXXX response to me was well this is XXXX XXXX XXXX we are not XXXX XXXX XXXX. But they share the same corporate hierarchy. the new CEO is over both divisions. My payments are XXXX and my balance is XXXX. My trucks VIN is XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I DID NOT RECOGNIZE the following inquiries. As such, it is a very serious error in reporting. I asked several times XXXX and TransUnion to DELETE THIS FRAUDULENT AND/OR UNRECOGNIZED HARD INQUIRIES XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, XX/XX/2023 This is a violation of 15 U.S. Code 1681i ( 5 ), Removal of Inaccurate/invalidated credit information. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD SERVICES placed an inquiry on my XXXX credit file dated XXXX/XXXX/2022. and it's against federal law ( Fair Credit Reporting Act - 15 U.S. Code 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not request personal credit from you and only requested business credit using my XXXX and not social security number. Furthermore, I was told supplying my social would be a soft pull and used only to verify my identity however, this is now a hard pull on my credit report for credit I never personally applied for.
Product: Debt collection

I keep receiving calls after calls all times of the day and evening from " XXXX XXXX '' which is a collection company claiming that I owe some type of money 's " which I don't owe ''! I've asked this company to stop calling and contacting me, however, they don't stop and continue to yell at me over the phone using foul language and keeps making false statements as to me verifying myself when I never gave my name or SS #.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received my inheritance money and used it to pay off all of my credit card debts in full. I did not accept any debt forgiveness or discounted payoffs for these accounts. I paid the full amounts including interest completely off. Where is the incentive to be a responsible adult and pay my debts off in full if my credit reports are still showing late payments for accounts that have been paid in full and closed for several months now? The accounts mentioned are as follows : XXXX XXXX XXXX  : {$2400.00} XXXX XXXX  : {$1500.00} XXXX XXXX XXXX  : {$1400.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX XXXX  : {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX : {$480.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) Please update these comments to either paid as agreed closed or paid closed never late. Since I did pay all of the past due amounts in full, my responsible actions should be rewarded and reflected on my credit report giving me the second chance I worked so very hard for.