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

XXXX XXXX XXXX, XXXX. filled suit claiming I owed the debt being reported as charged off and collection on my credit report. On XX/XX/2018 a Superior Court ruled in Summary Judgement on the merits that XXXX XXXX XXXX was not legally authorized to collect this debt and also ruled in my favor for motion to dismiss for lack of standing ( XXXX XXXX XXXX, XXXX. did not show they had a legal right to bring this action ). Case has been dismissed with Prejudice, without objection from the Plaintiff ( XXXX XXXX  XXXX, XXXX. ) see attachment of court ruling. I submitted the court ruling to the CRA 's disputing the tradeline with a copy of the court order. XXXX XXXX XXXX, XXXX. responded to the dispute indicating that the information was being reported accurately refusing to delete the tradeline. XXXX XXXX XXXX is listing this charge off and collection as the " original creditor '' and by continued reporting of this information after the Summary Judgement order is a FCRA violation and state consumer laws violations. XXXX XXXX XXXX is also in contempt of a court order as the judge has determined in ruling for Summary Judgement that I do not owe this debt to XXXX XXXX XXXX and therefore the item must be deleted immediately or they will face legal action.
Product: Credit card or prepaid card

On XXXX XX/XX/2023 I paid off the balance on my Bank of America Visa credit card and inadvertently overpaid the balance. On XX/XX/XXXX I requested a refund for the overpayment. First a representative named XXXX who refused to identify herself further behaved in an abrasive and rude manner denying me the refund i would be entitled to. Upon waiting an inordinate amount of time on a second call I spoke with XXXX XXXX ( if that is really his identification ) who insisted that if I did indeed require a refund it would take 14 days. He could not explain why I could not have my money returned within a reasonable amount of time like 24-48 hours eventhough I have held accounts there for 30 years and pay monthly fees of {$25.00} throughout that time period. I maintain I deserve prompt access to my own funds and asked what if I went to a branch requesting this money or even if I closed this account where the balance would have to be returned to me. He insisted that there was no way I could get around a minimum of 14 days and it wouldnt make a difference who I spoke with whether I maintained my accounts with BoA or not. I contend that this is fraud and it is gross mishandling/mismanagement of my money against my wishes. I wish for this to be a formal complaint against the bank and its personnel assuming they will vouch for these people. How do I get MY MONEY that is currently essentially stolen as it is being held for no reason against my wishes, back?
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite providing detailed accounts and citing violations under FCRA sections 623 ( a ) ( b ) and 605 ( c ), where the company failed to mark disputed accounts and incorrectly reported last activity dates, none of the credit bureaus have responded within the 30-day period mandated by law. Attached are copies of all correspondence sent. This failure to validate the collection account also violates FDCPA section 809 ( b ) as per FTC guidelines.
Product: Credit card

On XX/XX/2024, received notification from XXXX that my credit had been checked by " CB Indigo '' in XXXX, XXXX for a credit card. My wife got the same notification at the same time, but she had her credit frozen at the time. I immediately froze my credit and reached out to XXXX to remove the hard inquiry from my report, which they did. The hard inquiry did not show up on my XXXX or XXXX reports. 

When calling the XXXX number listed on the hard inquiry, it took me to a very sketchy sounding " debt collection agency '' and asked me for my SSN. Not wanting to provide that information to an unknown entity, I hung up the phone.
Product: Money transfer, virtual currency, or money service

Unable to link XXXX XXXX XXXX XXXX with PNC.
Product: Debt collection

Hello Consumer Financial Protection Bureau, I have received a letter from XXXX , XXXX XXXX XXXX , P.L . a law firm representing XXXX XXXX XXXX, XXXX. They are claiming that I owe allegedly " {$550.00} '' however, I did not receive any debt validation from both the credit debt collection agency or this firm. I Furth more question the legitimacy, I will need a debt verification.
Product: Credit card or prepaid card

I have a credit card for XXXX XXXX that is not mine. 
The card was opened in XXXX under the name XXXX XXXX. I was not XXXX XXXX then, my name was XXXX XXXX. I did not get married until XXXX, then changing my name to XXXX. 

The person who I believe stole my identity was my boyfriend 's ( at the time ) sister who's name is XXXX XXXX. Her and her boyfriend were visiting in XXXX awaiting the birth of my son. I believe they stole my SS number and opened a card in her name, stealing my identity. 

I can prove the name change with a marriage license. 

the previous complaint number was XXXX. 

I spoke with XXXX XXXX as well. They are doing an investigation as well.
Product: Debt collection

I want to make a complain to JEFFERSON CAPITAL SYSTEMS enforce to provide any information about this account doesn't belong to me. 

XXXX XXXX XXXX This collection account is affecting me in XXXX and XXXX XXXX believe that your actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and request immediate resolution. 

I have not received proper verification of this debt, as required under XXXX XXXX. XXXX ( b ). Please provide detailed documentation proving the validity of this debt, including the original creditors name, signed agreements, and payment history.
Product: Credit card or prepaid card

While at an XXXX store in XXXX, Texas in XXXX XXXX, I took out an XXXX XXXX ( provided through Comenity Capital Bank XXXX XXXX, OH ) at checkout. By doing so, the card was immediately activated so that I could pay for my purchase and receive a discount. This purchase was for {$85.00}. 
I was given a brochure about the card and told it would be mailed to me ; however, I was never asked to review or verify the following : - My first and last name. Even now, on this account, my first name and last name are both spelled very incredibly wrong. 
- My address. The bank initially sent all correspondence to the wrong address. 
- My phone number. I believe this information actually was correct, but they just never called me to correspond. 
- My email. I'm not sure if they ever had this info, but if they did, they definitely never tried to use it to let me know of account balances or charges. 

After this date, I returned to New York, where I live, and never received anything from XXXX or from Comenity that includes phone calls, and of course written correspondence, since my correct address was not on file. 

On XX/XX/XXXX, I checked my credit score as I may have to move apartments and discovered a negative mark on my otherwise usually impeccable score. I've never made a late payment on anything in my entire life, and my score had tanked from XXXX to XXXX. 

Upon investigating, I discovered that the XXXX card had been sent to the wrong address and had accrued more than 90 days of late fees. Upon learning of this, I immediately called and made a payment. I had to call because I didn't even know the card account number, and couldn't track it to my name ( which again was extremely misspelled ). The balance, which included the late fees and the original purchase cost, now totalled {$270.00}. A representative of Comenity credited the late fees back to my account. I paid the remaining {$85.00}, making the balance {$0.00}. 

After doing this, on the same day ( XXXX XXXX ), I wrote and mailed a request to Comenity Capital Bank for a goodwill adjustment. I outlined the above situation, my credit history, and the fact that this whole thing was wrapped up in a small purchase charge that could have been prevented had multiple clerical errors not occurred. A few days later I received a letter from Comenity saying my request was denied. 

I immediately typed and mailed another request for goodwill adjustment, this time stressing in detail each piece of evidence that clearly demonstrates I would have paid this charge had I had the opportunity and awareness, and that I don't deserve my credit score to be damaged over this.

I received another denial letter a few days later. This bank obviously is fine making clerical errors and letting people suffer the repercussions that they don't even deserve. It's unclear if they ever tried to contact me to resolve the late charge. It's insane that my credit score should suffer because of a bad name and address, and that Comenity Capital Bank is OK with letting that happen.
Product: Debt collection

The company is XXXX XXXX XXXX. I received phone calls from this company daily sometimes two or three times a day. I have called them back several times requesting information on the debt so I can verify its legitimacy. The company has refused to send me any information. On XX/XX/XXXX sometimes in the XXXX oclock hour, I received phone call from them. I returned a phone call and the person on phone transferred me to a young lady who called herself XXXX. Again requested information to verify that the company is a legitimate company and the debt is mine. XXXX stated that I just need to send money and paid the bill. I told her that I was not going to send money to a company whom I dont know. I again asked her to send me information to verify the company and the debt. She again refused and said I needed to pay {$1100.00}. I stated to her that I was not sending money to a company that I was not sure was even a legitimate company. I also told her that the fact that she was refusing to send me information made me believe that she was a scammer. That made her angry, she started yelling insults and called me broke. I hung the phone up in her face. I am a professional middle aged woman. I refused to be harassed by this company. If they had sent the information and I verified the company and the debt, I would have paid it, I believe this company is a scam. If not their conduct is very unprofessional. Please address this issue and I appreciate your time in the matter. Thank you.
Product: Student loan

On XX/XX/2018, a company by the name of Premier Student Loan Center promising to enroll me in a forgiveness loan program. They are trying to scam me and they have changed my FSA password. They have all of my personal information including my name, card information, address, social security number, and financial aid information. I spoke with them and they gave me false information. I did more research after realizing what had taken place and wanted to report the issue.
Product: Credit card or prepaid card

This is my second complaint through your system with Capital One. My income has changed and prospects are good and I have been making payments - granted less than the amount due but making payments to honor my responsibility and yet Capital One has charged off my account like I haven't made a payment in months. I have gone through this with my other cards, namely XXXX, and they did not do a charge off in fact, I was able to get back on track with them and still have an active account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter XX/XX/XXXX regarding inaccurate and items not known to me on my credit report. To this date I have not a response on the validity of the items. I feel that my dispute is not being taken seriously and I am being taken advantage of. Section 611 ( a ) states that failure to investigate these items in 30 days is a reason to immediately remove the disputed items from my credit report. It has been over 30 days and should be deleted promptly. I demand the items be removed immediately and if not done will consider litigation due emotional distress. I am concerned due the XXXX date breach my information may have fall into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. 

My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is Equifax. 

Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$25000.00}
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

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

I rarely use my Capital One card, so when my annual fee was charged to my card I didn't receive an email alerting me to the charge. I did receive an email 30 days later telling me the {$19.00} was past due. I called immediately, paid the amount and explained the situation. Due to the fact that I am an excellent customer, the representative, as a first-time courtesy, said that she would reverse the late charges and report it as a " paid as agreed '' status to the credit report agency. The credit report was never corrected as promised and it has hurt my score substantially and caused two XXXX credit cards to reduce my credit limit substantially. I would like to have this corrected on my credit report.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXXXXXX ( original creditor : XXXX XXXX XXXX ) Account number : XXXX Account Name : XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX : Account number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX, has violated my rights. 

15 U.S.C. 1681, Section 602 A. states I have the right to privacy.

15 U.S.C. 1681, Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus and self inc for months about this account showing up with a balance on my credit report when in fact I paid it and closed them in XXXX. I had a credit builder account and an credit card both of them were paid and closed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$78.00} ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I tried mobile depositing a check for {$2500.00} on XX/XX/XXXX into my account and it got returned citing the bank could not verify the account. I asked a representative to validate the the number on the check was read correctly by the system. They could not do that. I tried depositing the check again and I got an error saying the system can not read the numbers on the bottom of the check even though they are clearly visible. I was charged a {$5.00} fee for something that's likely a USAA computer error and can not get any human validation.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section XXXX and XXXX XXXX provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On my Bank of America Cash Rewards credit card, I noticed two fraudulent charges on my statement. I noticed the first charge on XX/XX/2019 and reported it to Bank of America and thought that was all. But upon further inspection of my bill, I realized there was another fraudulent charge made in the amount of {$350.00} which is not a small amount. I have received a letter from the bank stating that I have won this dispute and that the money would be credited to me. It has been 20 days and there is no sign of the money that I have been promised. This is not a small amount so it is dragging my available credit down. I have called the bank multiple times and spoken to multiple specialists who have told me that they will put in reports and escalate it to no avail. I have had nothing but positive experiences with this banks fraud services except for this one. It has been 20 days and there is no sign of my money. The letter was dated XX/XX/XXXX.
Product: Debt collection

My information was exposed in a recent data breach. I am requesting that all disputes on my report be deleted off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/2017 I have previously disputed this fraudulent account. It was not opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding previous complaints with this company. Transunion has been and are continuing to report negative information to my consumer report and they are not in compliance with the Fair Credit Reporting Act.