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

I have two ( 2 ) different copies of a XXXX XXXX acct/trade with data as reported by Experian : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Both show the CORRECT last payment made for the account : {$150.00} on or around XXXX XX/XX/XXXX. A screenshot of the acct/trade with Experian taken on XXXX XX/XX/XXXX shows an incorrect last payment and date " {$80.00} as of XX/XX/XXXX " with a status update of XX/XX/XXXX. What this implies is the account/trade was CHANGED after XX/XX/XXXX in response to a prior dispute. However, the sticky information was preserved to maintain the account/trade in my Experian consumer file with false/misleading/inaccurate information. The CO annotations can only exist with respect to a Date of First Delinquency ( DoFD ). According to the Experian data, the CO status and monthly " CO '' derogatory indicators for this acct/trade shows as XX/XX/XXXX. I have Payment History reports supplied by XXXX XXXX from XXXX XXXX of XXXX for both XXXX and XXXX. Taken in conjunction wih the transaction notifications suppied to me by my financial services company, AND XXXX XXXX, it is clear the misapplication of the one-hundred XXXX ( XXXX ) dollar payment ( supposed to apply to the account/trade disputed here, XXXX ) was applied to another account XXXX. This single misapplication caused the account to be charged-off which is unfair and unlawful. Moreover, the account/trade is not being reported with maximum possible accuracy. The error on XXXX XXXX part caused the CO and thus to persist the CO payment status and/or the monthly payment history/status that indicates a CO XXXX XXXX XXXX XXXX see attached " XXXX  ). XXXX XXXX has a history of failing to correct consumer files for their student loan portfolio ( see attached CFPB XXXX XXXX XXXX " XXXX '' and see attached " XXXX '' ). Thus, the accoun/tradeline needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated As Soon As Possible. These are the items I demanding to be deleted immediately. 

FDCPA section 807 Violation misleading false representations and reporting.

Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. Also, 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under 15 chapter 41. 

XXXX XXXX # : XXXX XXXX. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or uploaded As Soon As Possible. These are the items I demanding to be deleted immediately. 

FDCPA false misreporting. Instructions, Please Update to Paid Current as Agreed. I was never late this is a violation to my rights as a consumer. Remove ALL late payments and change the payment status to current because of the CARES ACT. 

XXXX XXXX XXXX 

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

This complaint is more of a means to ensure something gets done rather than a complaint for something illegal a company is doing. Although I must say the company in question has harmed me by their inaction.

Capitol One has an account listed on my credit report. I am listed as an authorized user. The problem is that the account is not mine and I have never used the card. It belongs to my sister. My sister has already contacted the company months ago and multiple times over the last few weeks to have me removed from this credit card account as the debt on the card is preventing me and my husband for qualifying for a home.

Multiple times the creditor has told my sister that I would be removed and promised a letter to her. My sister has never received this letter and I am still on the account. It was not until today, 43 days after I was denied for a home loan, and multiple weeks after numerous phone calls that Capitol One finally stated to me that they would send me a notice claiming they had removed me from this account and any credit reporting. Normally this would be enough for me to be happy but considering they have already promised this multiple times to my sister without actually happening then I have no faith in them and am filing this complaint in order to ensure compliance. More so due to the fact that it took me 33 minutes on the phone before I was finally able to convince them to even talk to me and remove me from this account that isn't mine!

That's all i'm asking for and I hope this time it gets done. Also, they said it would take 60 days for it to reflect on my credit report but I know it should only be 30.
Product: Debt collection

On XX/XX/year>, I received an email from ( Credit Control , LLC ) XXXX. Subject Title : A change to your XXXX XXXX account The body of the letter states Credit Control LLC is a debt collector and the purpose of this is to collect a debt you owe to XXXX XXXX. 

**Side Note : I havent had an account with XXXX for at least XXXX years. 

Issues immediately found on their email/proof of debt : XXXX. Name on account : same first name/DIFFERENT last name ( dont recognize name ) XXXX. Address : Ive never lived at that address. 
XXXX. Time frame they are claiming debt is for/from I can easily prove this is not my debt. 

The same day I replied to the email explaining this was sent to me in error. I asked for response confirming it was sent in error. 

On XX/XX/year> I received an email from Credit Control ( same subject title ) with log in credentials, payment instructions, and the contact info for the agent handling my debt. 

Following the email on XX/XX/year>, I receive approximately XXXX spam calls for personal loan. Ive answered maybe XXXX of them, pressed XXXX to be added to the do not call registry but the calls dont stop. Each calls is from a different number so if you attempt to block its a waste of time.
Product: Credit reporting

I have disputed why not lease it account with Transunion but they claim to verify their results. But per the company who the account was sold this account was not reported to the agencies and this account has not been validated as per FCRA showing a contractual agreement.
Product: Credit card or prepaid card

On or approximately around XXXX XXXX, 2017 as i was making my monthly payment I took notice that my account Balance was higher than it should have been by my budget record. At that point i called to report fraud/unauthorized use of my card with CapitalOne XXXX Card at ( XXXX ) XXXX seems there were small charges done over past few months that i had overlooked when CapitalOne first removed the charges i felt the issue was going to be resolved as these done through the internet and so there in no signatures, no card swipe or anything else to verify that i had placed/authorized any purchases but few weeks later they conference called me with the company which applied these charges during which based solely on fact they have tracking numbers through USPS without any signature to prove these items were ever actually received i was told that the charges would be placed onto the new account number as the original was closed for security and replaced with new account number and card. There is nothing from the company to validate these charges other than USPS tracking numbers showing delivered to my home address. No signatures for any of these transactions at point of sale No card swipe No chip readings Basically is no validation to show these repeated orders/shipments Even the local Post Office in my town has had the public drop off box broken into so without any viable proof of any authorized purchases I am now being held accountable for {$320.00} by my own credit card provider Charges are as follows : XXXX/XXXX/17 {$4.00} XXXX/XXXX/17 {$6.00} XXXX/XXXX/17 {$89.00} XXXX/XXXX/17 {$68.00} XXXX/XXXX/17 {$89.00} XXXX/XXXX/17 {$68.00}
Product: Checking or savings account

Hello, I bank with Citizens bank for a few years now. 

I recently overdrew my account on XX/XX/XXXX and Citizens overdraft policy states that if the deposit is made on the account on the second day after the account is overdrawn then the fee will not be assessed to the account. I made the deposit and Citizens bank still billed me the fee. 



I spoke with a customer service agent today who told me something different. The agent told me and I quote : " In order to avoid any overdraft fees, the account must be brought back and stay in a positive balance by the end of the same business the account became overdrawn. '' It appears Citizens has one policy posted on their website and is enforcing another rule via the agents. I asked the agent twice and this is what the agent shared with me. However Citizens send me an email informing me of something else. The email is attached below. The email states that once the account is overdrawn then you have until the next day to make the deposit. This is the most recent email they sent me, but for some reason they did not follow this rule on XX/XX/XXXX The current balance in your account ending in XXXX did not cover one or more transactions on XX/XX/XXXX, which has overdrawn your account by {$140.00}. Mistakes happen we know; were people too! And were ready to help. 

With Citizens Peace of Mind, if you overdraw your account, you get extra time to cover it. Then, well rebate any associated overdraft fees as if they never happened. 



How much time do I have? 
You have until XXXX XXXX  on XX/XX/XXXX to make an eligible deposit or transfer. 



How much money do I need? 
You need to deposit or transfer enough funds to cover the overdraft, plus any new transactions such as automatic payments or debits due before the deadline. 

Can you please assist me to have the fees that was charged in a deceptive manner rebated. 



Thank you.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681.

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : also it states a consumer reporting agency can not furnish an 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: Payday loan, title loan, or personal loan

I received a {$700.00} payday loan to pay my rent several months ago. After paying on time for several months I noticed that instead of the balance decreasing it was increasing. I feel like Ive been violated by this company. This is definitely preditary loan behavior that should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO THIS COMPANY NO LESS THAN 3 TIMES. THEY HAVE FAILED TO PROVIDE PROPER VALIDATION AND CONTINUE TO REPORT THE ACCOUNT IN ERROR. ACCOUNT NUMBER IS REPORTED WITH SYMBOLS. ACCOUNT STATUS IS NOT IN COMPLIANCE. IT HAS NOT BEEN 12 MONTHS SINCE THE ORIGINAL DATE OF SERVICE. HIPAA VIOLATION AS I GAVE NEITHER PARTY PERMISSION TO SHARE MY MEDICAL RECORDS. THE SUPRISE BILLING ACT HAS ALSO BEEN VIOLATED.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of an account from XXXX XXXX XXXX on my credit report due to inaccuracies, incomplete reporting, and legal violations. Specifically : Inaccurate Reporting Across All Bureaus : Equifax lists the account as " Charge Off. '' XXXX lists the account as " Charged Off as Bad Debt. '' XXXX lists the account as " XXXX XXXX Reported as a Loss by Credit Grantor. '' However, XXXX has not issued a Form 1099-C for the alleged cancellation of debt, which violates IRS requirements and Metro 2 guidelines.

Legal Violations Related to the Account : The account is based on an unlawful repossession. XXXX failed to comply with North Carolina law ( XXXX XXXX XXXX. XXXX ), which requires proper notice of default and the right to redeem or reinstate a vehicle loan to be sent by certified mail to the borrowers address. Instead, their notice was improperly sent to their own office in XXXX, GA, and not to my address in XXXX, NC. 
Deceptive Practices in CFPB Complaints : XXXX has provided inconsistent and misleading responses to prior CFPB complaints, raising concerns about the accuracy of their reporting and handling of this account. 
These inaccuracies and violations have negatively impacted my creditworthiness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX XXXX XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I was sent a letter stating that XXXX XXXX verified this information to experian and I have no bankruptcy on my XXXX XXXX report to verify as accrue. Viewing Type demonstrating XXXX XXXX Bankruptcy. There are some aspects of this account that I am having trouble understanding ... because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? 
Lets examine Liability showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof
Product: Student loan

I had loans for a private college through Navient. Navient put me in forbearance when I couldn't pay and told me that I'd sit in forbearance and accrue interest, or I should go back to school if I couldn't pay ( I elected to go back to school to try to get a higher paying job ). People like me should have been included in the settlement, can't tell if I actually qualify due to the limited information available, though think I should be eligible because I was steered towards accruing more debt, just in a different way than those pushed to forbearance long term. 

I received forbearance steering in the form of " we won't let you have it '' so " go back to school if you don't want to default '' When I try to log into Navient it takes me to my updated XXXX account. I previously reported it and they said they " couldn't find me '' which is disingenuous, and dishonest. I have attached a PDF of one of the hundreds of emails I have in my inbox from Navient about their servicing.
Product: Debt collection

The account for {$610.00} should be removed from my credit file.
Product: Credit card or prepaid card

This is related to charge from XXXX on XX/XX/2021. 

It is the second time, in a row, I order food from XXXX that arrives different from I ordered. 
I complained both times, this second time I was not replied to. 

This second time, they put a different sauce than I ordered - not sure if it was a plain mistake, or a replacement. I was never informed my pasta would come with a different sauce. 

It was appropriate to dispute the charge, not just to make it right but so they really investigate this and learn they need to pay more attention. 

First of all, Citibank started asking questions as if food is a merchandise. Food is not a merchandise that can be simply returned. It is unsanitary, food should not be thrown away just because sauce is different ( I don't do that - would you? ), and you can't really expect that after waiting for it, you can just take it back XXXX so they throw away? ) and then wait longer for another dish. 

I answered all questions and then when I answered NO to if I had successfully returned the merchandise (! XXXX, Citi prevented me from opening the dispute. Then, now it blocks me from opening the dispute if I try again. 
Just absurd. 
Very customer unfriendly policy. 
It feels like I'm bothering Citi by opening a dispute, as a cardmember. 

The restaurant made the mistake twice and was not responsive to my complaint ( never reached back to me ). It is appropriate they receive a dispute. 
I have photo of the food if that is necessary. 

Important notice for you, Citibank representative, reading this complaint : I only have one Citibank credit card and only use it when there is an offer like the current dining cashback, because I know how poor Citibank service is. I would never consider paying annual fee to Citi, this bank ( just like this restaurant now ) is not worth a penny from my wallet. It looks like I will keep having just one annual fee-free card and not expanding relationship with Citi. You keep showing me how invaluable customers are to you. Nothing beats XXXX XXXX customer service, that is why I spend thousands in my XXXX card every month, and I'd like to suggest you to use XXXX XXXX even as a Citibank employee. You will receive proper service when needed.
Product: Credit card or prepaid card

Hello ; I hope you can intervene and expedite assistance in a matter I'm experiencing with my Citi Double Cash card. I've made 9 total attempts to resolve a fraud dispute directly with Citi and they've not fulfilled the totality of my request. There were 5 fraudulent charges placed by XXXX in XX/XX/2020. So far, only three of the charges have been placed under investigation. I began pursuit of a resolution on XX/XX/XXXX and have been regularly assured I will see all of the charges under investigation within 3-5 business days. I'm now on day 35 of trying to resolve. I am including statements, logs of my attempts and transcripts of the issue. Please let me know if there's anything else I can provide. Thanks for your help! XXXX XXXX
Product: Debt collection

This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 

I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NC, XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as XXXX, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281sw715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

No closing date of lease on report and late payment reported incorrectly
Product: Bank account or service

I think it sucks that Capitol One Checking does not tell upfront about needing a savings account opened before you apply for their online fee free checking account. It really was a waste of my time after learning about this policy of theirs.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX  XXXX XXXX XXXX XXXX XXXXXXXX - {$570.00XXXX XXXX XXXX XXXXXXXX - {$680.00} XXXX XXXX XXXX XXXX {$1900.00}