23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit card

This is not a duplicate case. Please escalate this to a supervisor or manager. Here is a copy of my complaint submitted to the CFPB. 

RE : Capital One Spark Business Credit Card. 

1 ) My credit card issues rewards 2 %, There is no record of redeeming any rewards ever, and my rewards balance is XXXX. When I contacted Capital One about the rewards, the ignorant person did not understand the problem. Capital One has stolen my rewards. I am missing a few hundred dollars in rewards. 

2 ) I told capital one that they merged my personal bank account with my business bank account and they have different tax ID numbers and they refused to separate the XXXX accounts. They are currently merged. I told capital one that XXXX tax id 's should require XXXX separate username and passwords and the ignorant customer service did not understand the problem even when I requested to escalate the problem. 

3 ) Capital One has not changed their Customer Service system and it is impossible to contact anybody for assistance.
Product: Payday loan, title loan, or personal loan

I filed a complaint that was partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX  actually owes me {$1100.00} in overpaid interest.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to XXXX  XXXX XXXX  XXXX, CA to purchase a vehicle. After submitting all necessary paperwork for financing. Gateway One Lending XXXX  XXXX ( Now XXXX ) issued the loan. On XX/XX/XXXX, I received a letter stating that they could not approve the application. I have paid {$22000.00} fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed inaccuracies on an account called XXXX on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can not be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information
Product: Credit reporting or other personal consumer reports

These inquiries did not have approval to run my credit on XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Please remove these from my credit report.
Product: Checking or savings account

Hello, I recently opened a checking account with Suntrust and I am awaiting a transfer with my previous institution. I recently acquired 7 overdraft fees posted to my account on XX/XX/XXXX. I am holding myself responsible for 1 acquired fee, although the remaining fees are inaccurate. I received fees after a merchant decided to charge for gas pump charges one week after the charge was made. Suntrust decided to charge me overdraft fees for every purchase made after that charge. Stating that the account was overcharged from that day although the overdraft was not reflected on my available balance nor charges showing the correct pending amount. The charging of fees for charges that where not posted nor pending on my account till the XXXX is absurd. I spoke with customer care in which a representative was able to remove four overdraft fees upon viewing the systematic mistake made.The representative did all that she could do on her end but could not remove any additional fees. I have then spoken with a overzealous manager who refuses to remove the remaining fees from my account. I am in need of getting the two remaining inaccurate overdraft fees removed. I would like to continue a relationship with suntrust comfortably I can not do so if they can not fix simple overdraft fee mistakes. I am hoping that I made the right decision to transfer my life saving into a truist account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card

On XXXX XXXX  and XXXX  I made XXXX payments XXXX XXXX XXXX  XXXX dollars to Concora credit Indigo Mastercard, which, according to my bank, were both posted as payments successful. I then proceeded to close my indigo. Account confirming there was no balance owed. Upon closing my account one week later, I received the statement stating the I o  a balance of XXXX XXXX XXXX  XXXX dollars. I then proceeded to call them and my bank and confirmed with my bank that all payments were processed successfully. The credit card company admitted transactions were taking place on my account after it was closed. The last transaction they told me that was made on the account was XXXX XXXX XXXX  and my account has been closed since XXXX XXXX  of XXXX XXXX XXXX.
Product: Debt collection

I am filing a complaint due to the company not responding to my request for verification of the debt. I also have notice that on my credit file there is inaccurate reporting and the information reporting to each bureau is inconsistent. I am requesting that this company remove the debt from my credit file. The first account is XXXX in the amount of {$1100.00} I have been disputing this account for about 8 months and the credit bureaus are not responding are removing this medical debt from my account. I have no knowledge of this debt and did not authorize anyone to apply this debt. And the same is for the other account by the same company. The account number is XXXX in the amount of {$1100.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 I applied for a loan on uprova.com. The loan I was offered was for {$1200.00} at 34 % interest with monthly payments of just over {$100.00}. 

I didn't receive a contract to sign but instead got an email thanking me for signing, and shortly after that another email saying my funds were on their way. {$1000.00} was deposited to my checking account on XX/XX/23. When I signed in to uprova.com and looked at my loan document the terms were completely different from the loan they offered me. The document says the interest is 544.04 % APR with bi-weekly payments of {$210.00} and a total cost of {$3600.00}. I can't pay this and did not agree to it. 

I knew something was wrong and when I investigated online I discovered many class action and other court cases again Uprova and the parent company XXXX XXXX. I reported my experience to the Calif. Atty Gen'l. As I understand it, this kind of usury is illegal in California. 

The stress and time spent having to access legal aid and bank support, and the loss of sleep and migraines I've had for two days is, sadly, only compounded by the discovery that so many others have had this exact experience and have suffered so much financially and emotionally at the hands of these criminals.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX and XXXX are ruining my life. My report has been compromised and used illegally without consent and permission. XXXX XXXX XXXX. and XXXX XXXX associates have illegally accessed my report without consent. I have the right to privacy and have never given anyone written permission to furnish these accounts. My rights have been violated and laws broken. I will contact my lawyer and sue is these derogatory marks are not removed. XXXX and XXXX are not legally allowed to collect in Pennsylvania. This is identity theft and harassment as well as a violation of my rights and consumer law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple XXXX  issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on XXXX occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Debt collection

After informing ARS Collections that : 1 ) the debt is not mine 2 ) do not call me. to email or XXXXXXXX XXXX only. 
3 ) do not call family members. 

they continue to harass me regrading a debt, continue to call me and continue to call family memebrs
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were XXXX, XXXX, XXXX XXXX/XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX/XXXX  XXXX my income was affected due to the COVID-19Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Product: Debt collection

Okay over XXXX years ago I had a medical debt put on for collection for over {$2000.00}. But a few months aga they started disappearing and then a month late a different XXXX popped up for over a XXXX dollars but it had restarted the XXXX year thing where it goes of your credit and I was able to get it removed but the a different XXXX popped up and was for the remaining balance from the {$2000.00} and it was around {$980.00} but once again they have restarted the date to when it will go off report.
Product: Credit card or prepaid card

First National Bank of Omaha XXXX credit balance I lost my wallet in XX/XX/2018. I notified First National Bank who ternimated that card number. I failed to contact them within the next billing cycle to reissue a new card, and the account was automatically closed. I understand why it was closed, however the {$160.00} credit balance was not automatically returned to me. I understand they have five months to return a credit, but that should only be on a current account. By not automatically returning my credit upon closing the account, I believe they are acting fraudulently by keeping the money for 5 months, as there was no way for me to use it. Also, I continuing getting statements that show I have a XXXX dollar credit limit, and there is no indication on those statements that it is closed. That is very misleading.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring attention to an egregious violation of my consumer rights by EXPERIAN and XXXX RESORTS. My credit report inaccurately reflects a timeshare account that was reported as a mortgage without my authorization. This misclassification has caused significant harm to my credit profile and violates several consumer protection laws.

1.The timeshare account is unauthorized and was reported without my consent.

2. It is inaccurately classified as a mortgage, which I do not have.

Legal Violations to Highlight : 1.Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : The credit bureaus failed to ensure maximum possible accuracy by misclassifying the timeshare.

15 U.S.C. 1681i ( a ) : They have not promptly corrected this false information.

FCRA Section 611 ( a ) : Failure to investigate and correct inaccurate or unverifiable information.

FCRA Section 607 ( b ) : Obligation to ensure maximum possible accuracy in credit reporting.

Truth in Lending Act ( TILA ) : Regulation Z : Failure to ensure accuracy and disclosure regarding loans and credit-related accounts.

The reporting creditor violated the disclosure requirements by misrepresenting the nature of the account as a mortgage, which is deceptive.

Gramm-Leach-Bliley Act ( GLBA ) : Reporting the timeshare without my explicit permission violates my right to privacy under this act.

Failure to safeguard consumer data and ensure it is used solely for authorized purposes.

Unfair and Deceptive Practices ( 15 U.S.C. 45 ) : Misreporting the timeshare as a mortgage constitutes an unfair and deceptive practice, damaging my creditworthiness.

Impact on Me : This inaccurate reporting has caused harm by misleading potential creditors, leading to a higher credit risk profile and undue stress.

Emotional distress due to the lack of compliance with consumer protection laws A breach of my privacy rights.

I hope this issue would be resolved as soon as possible. thanks for your help
Product: Prepaid card

There have been declined transactions when there are sufficient funds on the account. I had called ; it was indicated that sufficient funds are on the account when attempting to make my transactions. There was a merchant who had never received its funds due to a system issue. I was told to attempt again. Afterward, there should not be any errors. There continue to be errors when making attempted transactions. In addition, the website demonstrated an error when attempting to check the balance on the account.
Product: Debt collection

calling 15 to 16 times a day each day. Have it on a call log of time and date. starts early morning and last all day
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit XXXX XXXX score and my XXXX is showing 6 hard pulls that I do not recognize.XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX were XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted XXXX and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the court and they verified that they do not report bankruptcy to you all therefore this information is not verifiable and must be removed. it's clear they do not report to you Experian, XXXX or XXXX or to any Credit Bureau for that matter therefore your Original response verifying the item with the court was either a lie or an error either way the reporting requirement Do Not Comply with FCRA and FTC laws and the be deleted immediately.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX dated XX/XX/2024 advising them that they are furnishing inaccurate information as well as outlining 15 U.S. Code 1681s-2. Requested a 1099C as they are reporting this account a charge off. They have never sent me any documentation and follow the law when it came to this. They sent me a copy of a contract and a letter dated XX/XX/2024 stating that they do not accept my documents it is fraudulent and the account was transferred to another company. They stated that they have placed the cease and desist on my account however they will continue to report to the Credit Reporting Agency as they consider the copy of contract and a transfer of ownership as validation of debt. XXXX is not following the law and responding with what I request I tried to handle it with them before going to the CRA or CFPB but they are not responding to my request with what their responsibility is by Law
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX