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

XXXX XXXX  has violated a few consumers laws in regards to my credit report. I have asked XXXX XXXX  to vary my address because I have not received any information on my account and they are reporting late. My address is also incorrect in their system. I am currently carrying my first child and I want to move into an apartment I can not get approved bc of the inaccuracies on my consumer report. They have violated 15 USC 1681s-7 ( A ) ( i ), 15 USC 1681a , and 15 USC 1666B . The accounts are also closed accounts.
Product: Debt collection

This debt is not mine and I have disputed this several times. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One closed my account with 5+ years of history and another with almost 3 years of history because of inputting the wrong checking account ( my direct deposit account for my paycheck allows ACH payments, my travel debit account does not ) so I had 2 ACH returned payments, they instantly closed my account and I did not receive a document stating they were closed until the next day. Make 1 mistake and they will close your accounts. Even made the full payment the following day with the correct checking account. After speaking with manager upon manager the only answer I received was " Capital One reserves the right to close your account for any reason we deem necessary '' Will never do business with them again. Really screwed up my credit history because of 1 mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Checking or savings account

A wire was sent to FNB OF PENNSYLVANIA to my business account on XXXX for {$13000.00}. After I sent {$3000.00} in payments out they Froze my money blocking me from paying my bills. It is negatively affecting my credit score and making me have late charges and other fees. They told me they are " protecting me '' from scams that I am not in any danger from. That they were putting a 10 business day hold on my money. After 10 business days it showed up in my Ledger but is still being held by FNB from my available account. I have inquired for the last 5 days what was going on and have received no word despite calling my Branch Office for 5 days now. They aren't even giving the courtesy of returning calls. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion In  XXXX   2017  concerning this dispute -- the representative transferred me to a supervisor who was very rude and disrespectful. First of all there is no one there that can speak  XXXX  which I felt was a huge barrier and caused our issues. I did not get my point across to explaining my case. I have been trying since  XXXX   2017  to dispute this case contacting the clerk of court and they clearly stated who this account belongs to, Transunion would not tell me what  3rd company they verifed this information thru and as you can see I have a freezes on all these 3rd par ty compainies and I just want proof from them this is my account because the clerk of court says they do not even verify that type of information anyway. My call with this company was an epic fail.
Product: Debt collection

Disputed the entry on my credit bureau report requesting debt validation. No debt validation received. Also, I have not received any written communications from this collection agency pertaining to the debt from XXXX. Right to dispute was never granted prior to placing the account on credit bureaus as a debt for collections and damaging credit ratings.
Product: Debt collection

We have requested from Cedar Financial a list of all of the client consumer debts that we provided to hem to collect, but they refuse to do so. Even worse, XXXX XXXX of the company keeps gaslighting and provoking me with constant nonsensical allegations not to communicate with her or to include others of my choosing on our email correspondence, even though these are my debts being collected and I can choose whomever XXXX XXXXXXXX I want to include. In the latest fiasco this women refuses to provide us with a list of our debtors so that we can give it to our bankruptcy lawyer for our upcoming law firm XXXX XXXX bankruptcy case, something which we desperately need and require to turn over to the bankruptcy court and trustee. Instead she responds with one-liners, incomplete lists, or no responses at all. Please urgently investigate and advise.
Product: Vehicle loan or lease

XX/XX/XXXX : Santander Consumer USA responded to complaint XXXX by sending me a settlement letter with a return day of acceptance by XXXX XXXX and the amount of {$6500.00}. Santander Consumer USA Executive office stated once received they would send me the title to the vehicle, XXXX XXXX XXXX under the account XXXX. 
XX/XX/XXXX : I returned the signed settlement letter with a cashier 's check by certified mail with signature verification of deliver. 
XX/XX/XXXX : I received an email from Santander Consumer USA representative XXXX XXXX XXXX XXXX XXXX stating that he was " looking into my concerns. That I would receive something by XX/XX/XXXX. 
XX/XX/XXXX : I did not receive anything from their assigned representative in the Executive Service office. 
XX/XX/XXXX : I sent a letter to the representative with copies of the Settlement Offer, paid cashier check, copy of signature of delivered on time - prior to XX/XX/XXXX, the cashier 's check was deposited on XX/XX/XXXX. I also stated in my letter that I have a copy of my original contract and that I never signed up for any GAP, warranty program or XXXX XXXX. So there is nothing else due on this account. 
XX/XX/XXXX : As of today 's mail delivery I still have not received the vehicle title as promised as long as I met the requirements of the settlement offer. 

I would like all correspondence to be sent via US Mail because Secured email Message have a time limit ; no trace of the letter is available after the expiration date
Product: Credit card or prepaid card

I am supposed to receive an email from the credit card company on the XXXX of the month indicating a payment is due and the amount. For the past two months I have NOT received an email from the company. 

I have twice called them about this, and each time they have assured me that the email statement IS going out from their company. However, I do not receive it, and theirs is the ONLY email that I am aware of that I am not receiving. 

I agreed to receiving electronic communications rather than paper. They are not meeting their part of the agreement. They will charge me interest if the due amount isn't paid ; but... they aren't providing me with due payment emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified US Bank on more than one occasion about my serious health problems and asked them to work with me as I was fighting for me life. The agent always seemed willing to work with me on trying to keep me current on my mortgage. it wasn't until recently when I applied for a new mortgage that I found they did not keep their word. They had stated the would add payments to the end to cover XXXX and XXXX of XXXX  and show me current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1XXXX XXXX XXXX XXXX XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3. Equifax - mailed XX/XX/2020 4. XXXX - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date. I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called Equifax on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to XXXX XXXX XXXX & XXXX XXXX 2. Dispute letter to Equifax 3. Response received from Equifax that does not include the method of verification required by the FCRA. 
4. Dispute letter to XXXX 5. Dispute letter to XXXX 6. Certified Letter Confirmation Numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  Credit Report Hard Equifax Hard Equifax Hard Equifax XX/XX/XXXX XXXX XXXX XXXX / Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard EquifaxXX/XX/XXXX XXXX  Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXXquifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Equifax XX/XX/XXXX XXXX XXXX  Credit Report Hard Equifax XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX Credit Report Hard Equifax Hard Equifax XX/XX/XXXX XXXX XXXX XXXX. Credit Report Hard EquifaxXX/XX/XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX Credit Report Hard Equifax XX/XX/XXXXXXXX XXXX XXXX Credit Report Hard EquifaxXX/XX/XXXX XXXX XXXX., XXXX XXXX  Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX I have a fraud alert on my reports because equifax was hacked and my information was given out. I didn't make these inquiries or even start any of these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received Dispute Results Report # XXXX for XX/XX/20 Experian has my Public Record Unchanged and they used the XXXX Consumer Center to obtain their Public Record Information ... 

I Contacted XXXX Consumer Center Twice to obtain my Public Record Information as Stated on my Credit Report but they could not  Verify the Information I have Attached Evidence of my Correspondence with XXXX Consumer Center ...
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00}, XXXX XXXX {$2400.00}, XXXX XXXX {$5000.00}, XXXX XXXX {$3200.00}, XXXX XXXX XXXX {$26000.00}, XXXX XXXX XXXX {$19000.00}, XXXX XXXX XXXX {$51000.00}, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX- XX/XX/2023, 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

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is JPMCB Card. The inquiry date is XXXX XXXX. The bureau reporting is XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I paid my personal loan as I always do, before the over 30 day expiration period. 
However my Fico alerted me the next day that I was reported as late when I was not. My credit score dropped XXXX points as a result. 
I have previous emails from PNC bank where I paid my loan on the XXXX and was never reported late. I have a stellar credit score and have NEVER been past due 30 days. 
When I spoke to the rep as I paid my bill he assured me I would not be reported as late. 
I called after XXXX days later and was told that because it's pending it will show that way. This has never happened to me before.
Product: Credit reporting or other personal consumer reports

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

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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.
Product: Credit reporting or other personal consumer reports

Information on my credit is inaccurate I did not authorize these companies to run my credit I sent letters to XXXX, and XXXX XXXX credit bureau regarding the issue to run their investigation still these items
Product: Debt collection

I C Systems Inc. claimed I owe a debt. I sent them a Creditor Vailidation Letter XXXX XXXX, 2015. I waited the 30 days to hear back from them according to the Fair Debt Collection Practice Act. I have not herd back from them. ALso, I asked them to show that I C Systems Inc is incompliance with the State of Texas Debt Collections Laws thewy have not been able to show me that either. This debt should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX XXXX in regard to the inaccurate payment history they have furnished to credit agencies. a charge off was reported in the payment history to XXXX  but in the same month it was reported on time to XXXX this a violation of 15 usc 1681s ( a ) ( 1 ) ( A ) ( B )
Product: Checking or savings account

I received an email from Truist Bank about verifying details for an account I know nothing about. This is identity fraud and needs to be stopped.
Product: Credit reporting or other personal consumer reports

Its upsetting to realize that my rights as a consumer are being ignored. Like anyone else, I place a high value on my credit score, as it plays a crucial role in my financial stability and future opportunities. Unfortunately, the errors in my credit report have had a negative impact, affecting both my financial prospects and my peace of mind. Ive been trying to correct these issues for quite some time, but my requests have been consistently overlooked or dismissed, leaving my concerns about these inaccuracies unresolved.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. Additionally, I have reached out to the bank associated with the fraudulent account. 

XXXXXXXX XXXX XXXX XXXXXXXX. 

I am not playing games I genuinely believe I am a victim of identity theft. I have provided you with all the evidence like my FTC report and you are suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and XXXX have already removed the account from their records due to the inaccuracy of the account, and Im wondering why youre still reporting this account? 

If you need more information, please ask directly. Do not hide behind complex language and confusing explanations. I want this resolved quickly, and I mean immediately. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested. I refuse to give up, and I expect you to step up and correct the mess you've made of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to correct this misinformation on my file. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have tried for two years to cancel my XXXX XXXX small business credit card with bank of america that was secured with a {$2500.00} certificate of deposit. After the credit card graduated to unsecured, they refused to refund the CD and were not able to close my card. I have had to pay the annual fee for the past 2 years on this card that I do not want, and I have not been able to get my {$2500.00} for the CD back from bank of america. Every time I call they have some new excuse and tell me to call back in a week or just hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I entered into an agreement with XXXX XXXX XXXX for cell phone service. Subsequently, I was billed twice for that period, once under the old agreement and once under the new one. The company also never honored the new contract and kept charging me per the old contract which was a lot more money per month XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. Additionally, we traded in two older XXXX  and purchased two more that were offered as part of the new contract at a {$500.00} savings per phone. Those discounts were never applied as well. I spent many hours on the phone on multiple occasions trying to get this issue resolved, but after four months of not making progress and getting over charged, I was forced to switch cell phone providers. XXXX XXXX XXXX created this entire issue, they acted outside of the contract that they entered into with me, and chose to not fix the issue, though offered multiple chances. I do not owe them this money, and in fact they overcharged me and owe me compensation, for the hours that I spent on the phone with them. Although I have provided Experian documented proof that this is not a debt that I owe, they are refusing to erase the negative credit report from XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2020 I called in to Capital One to ask about having the {$95.00} annual fee removed from my account. The agent said that I have an " upgrade '' offer with will waive the annual fee and change my Rewards program to 1.25 miles per dollar from the 2 miles per dollar. I said yes I would like to proceed. 

In my conversation with this agent they mentioned that the annual fee charged on XX/XX/XXXX would be pro-rated and the this amount would be credit back to my account. 

On XX/XX/2020 I called into Capital One to inquire about the pro-rated annual fee credit. This agent tells me that this is not the case and I would receive no refund. I ask to be transferred to a manager. 

The manager reviews the account and puts me on hold. She comes back and says that she listened to the conversation I had with the agent on XX/XX/XXXX and that I agreed to the " terms and conditions. '' I disputed that. 

Why would I downgrade a card to a lesser rewards program and do so without a refund of the annual fee I was just billed less than a month earlier? 

I am requesting the crediting of the pro-rated annual fee. This is very deceptive on Capital One 's part.