23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am disputing Capital one of this alleged debt. 

Capital One has violated my right to privacy. Capital one has not notified me of my right to dispute debt. Capital One is defaming and humilating me with their unfair, impartial and negative reporting. 

Capital one has used multiple tactics to make me believe they were NOT a debt collector. Capital One has harassed me through texts, emails and phone calls trying to collect on this alleged debt. Not once did they notify me of my rights as a consumer. 

I am exercising my rights in good faith as a consumer and am notifying Capital One of this dispute. I expect Capital One to cease reporting adversely and to cease & desist communicating with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am challenging the incorrect information with the creditor SEARS/CBNA where they have cleared violated the law by reporting a balance of {$3700.00} on a closed account. This is a violation of the FCRA. I request this account be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my personal information on my credit report that was incorrect. Report number is XXXX I also called the credit bureaus telling them to remove the personal information that I do not want on there. According to the fair credit reporting Act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party people.

These are clear violations of my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX cash app took money an sent XXXX to a XXXX XXXX person looks like a scam so I contacted same day an said this was fraud they did there fake investigation and stated they cant do nothing about it so then I kept filing complaint then they said they cant speak to me anymore I've told them numerous times it was fraud I honestly believe cash app is a scam so then I filed through XXXX they acted like they investigated then stated that I told them to authorize those charges and there ok to do that when that never happen so I uploaded prof of my conversation and sent it to them an then they stated they cant speak about it anymore an have my account negative XXXX an are taking any money that is sent. 
It is there job to retrieve my money from the scam not mines my bank helped me but they need to fix the account.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has continued to report inaccurate fraudulent information on my credit file from Ally Financial for the amount of {$8600.00} I've last reached out to XXXX on XX/XX/20 and since then they have dropped my score by 142 points as of XX/XX/20
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I paid off a credit card with XXXX XXXX. It was never updated on my credit report. On XX/XX/2023, I paid off a revolving credit account, it was not updated on any of my credit reports. Interestingly enough, credit increases are reported immediately but credit decreases take upwards of 30 days to update. 

Also, all three of the credit reporting agencies ( XXXX XXXX, XXXX and Equifax ) report very different credit scores for me, as does XXXX XXXX. I had to contact all three credit reporting agencies as well as XXXX XXXX to update my scores. They are not updated. The house I am renting is going on the market. I need to continue to repair my credit so I can rent a new apartment or find a lender who will approve me for a mortgage. I'm tired of waiting three months for credit reporting agencies to reflect positive changes on my credit report and the hours I need to spend on the phone just to have an accurate reflection of my credit rating. I'm doing my best after major XXXX and a global pandemic. Credit reporting agencies need to do better and stop discriminating against consumers.
Product: Debt collection

I sent a Debt validation letter and no response. 
4 months ago.
Product: Vehicle loan or lease

I purchased a car for about {$14000.00} almost 4 years ago.I gave XXXX down payment and I 've made my payments of {$380.00} each month, sometimes more and three years later my balance is still {$14000.00}. When I try to ask questions I can barely understand them and they said it is because I made a few late payments. I need file a suit against them. Does anyone know what steps I can take against them. Is what they are doing legal?
Product: Debt collection

I have disputed a debt that was sold to XXXX XXXX XXXX. I have requested validation of this debt by way of documents containing my signature, as this account does not belong to me. XXXX XXXX XXXX sent bills and advised that this account was sold to them by Sterling Jewelers, with whom I have never had an account. Sterling Jewelers has neglected to send proof of this account 's validity with verifiable documents that bear my signature as proof that I established this account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate reporting of my account with XXXX XXXX XXXX ( Account Number : XXXX ) on my credit report. The account currently shows incorrect information, and I believe the reporting does not comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the following issues need to be addressed : Account Information : Company Name : XXXX XXXX XXXX Account Number : XXXX Contact Information : Phone : ( XXXX ) XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX Issues : 1. Incorrect Payment History : My credit report inaccurately reflects the payment history with multiple entries marked as XXXX for payments from XX/XX/XXXXXXXX  to XX/XX/XXXX, despite making regular payments. This appears to be a coding or reporting error. 
2. Incorrect Payment Amounts : The actual payment amounts are listed incorrectly, such as showing {$58.00} as scheduled, but the actual payments were made correctly. For example, the balance is showing as {$2300.00} on multiple dates, but my payments made during these months are higher than reflected.

3. Balance Reporting Issues : The balance for the account is consistently shown as {$2300.00}, but there are discrepancies with the actual balance owed. The report does not reflect payments that should have reduced the balance over time.

4. Clarification Needed for Account Status : The report indicates the account was CLOSED, but there is no explanation of the reason behind the accounts closure. This requires further clarification to ensure transparency in reporting.

Legal Basis for Dispute : This complaint is filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 - 1681x, which mandates that consumer credit reports be accurate and complete. Specifically : 15 U.S.C. 1681e ( b ) : Requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy in the reporting of information.

15 U.S.C. 1681i : Mandates that consumers have the right to dispute inaccurate information, and the credit reporting agency must investigate and correct or delete any information that is found to be incorrect.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires that companies providing information to credit reporting agencies ensure the accuracy of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is attempting to Delay an investigation that is taking almost 6 months to complete On XX/XX/2020, XX/XX/2020 and XX/XX/2020, I have asked Experian to Verify the accounts on my credit file are Accurate and complete and they have failed to investigate. According to the tracking numbers, they have been delievered and received by Experian. Over 120 days have passed and Experian has not produced the result of their investigation with an updated report on my credit file Again, attached is my Identification and proof of address
Product: Debt collection

I contacted the lender, Credit Central in XXXX, SC, because I am past due on my account and wanted to let them know I would be in today to pay on my loan in the amount of {$71.00}. I received an angry letter on my door the day prior and wanted to work towards catching up my loan. I asked for XXXX, a man who I assume is the manager. He has left multiple aggressive messages on my phone. When I told him my name his first words were " Hey XXXX, do I have to come out there and choke you? '' I asked him not to say that and nervously laughed. He just said " Ok. '' I explained what I could pay today. He said I owed {$140.00} now. I said I could atleast do the {$71.00}. He said that was fine and then said " Do n't make me come back out XXXX again. '' I said nothing back but only replied that o would be in today. I felt very threatened having a strange man say he would choke me and then adding for me not to have him have to come back to my address. What can I do about this? This is ridiculous and scary.
Product: Student loan

I just received a decision from my loan servicer stating their investigation is correct and all information is reporting accurately. The loan reflects late payments during a period the FEDERAL GOVERNMENT SUSPENDED PAYMENTS. Please remove these accounts from my credit report to align with FTC. 

AGAIN, The federal governments has executed the cares act as well a mandate to suspend ALL STUDENT LOAN PAYMENTS. LATE PAYMENT ARE STILL REFLECTING WRONG. PLEASE REMOVE ACCOUNT FROM ALL 3 BUREAUS AS THE STATUS IS NOT CORRECT AND ACCORDING TO THE FTC US15 U.S. Code 1681i.
Product: Credit card

Under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. 

Regards, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX
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 rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX 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 a 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 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

Someone has access to my personal information and is opening up accounts in my name. Ive contacted all three credit bureaus so they can fix this, and theres still accounts remaining on my credit report that is not mines.
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 rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account number : XXXX Account name : DISCOVER BANK, Account number XXXX Account name : XXXX XXXX XXXX XXXX, Account number XXXX Account name : XXXX XXXX XXXX XXXX, 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 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 or other personal consumer reports

My credit report contains inaccuracies under XXXX XXXX XXXX. Specifically, the hard inquiries were not authorized by me and negatively impact my XXXX XXXX. Kindly remove them as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the same loan twice on my credit report. I have reported this to the credit bureau however XXXX keeps verifying both accounts as valid. I have only had one XXXX XXXX  XXXX  loan but reporting the same loan twice with slightly different account numbers is not helping my credit. Transunion has listed one account # as XXXX and the other as account # XXXX. XXXX XXXX XXXX needs to remove these duplicate records from my credit report but they are failing to do so even after I have asked Transunion to reinvestigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX this company took out another hard inquiry on my report as if I was opening a new account. Prior to this inquiry on my report, I was NOT trying to get any line of credit with them, open an account, or refinance my account. I already have an open account from XXXX from them. The company is using this as a way to get back at me since I am a few weeks behind on my payment. Instead of just updating my open account and marking it as late. They attempted to open another account without my permission, knowing that it would make my score down some more. The company reports when you are behind ONLY, but NOT when you make payments on time.
Product: Debt collection

I received a " settlement opportunity '' letter from Enhanced Recovery Company, LLC dated XXXX XXXX. I had already disputed this same debt ( as it is not mine ) in writing last year. They first put the collection on my credit report on XXXX XXXX. They completely ignored my first letter asking them to validate the debt. I asked for proof that it was mine, not just a name and an old account number. They did not send me proof, and instead proceeded to put it on my credit report without further contact with me, and then sent another letter on XX/XX/XXXX. Since they refuse to send me anything other than an invoice asking for payment, I believe they should not be allowed to put anything on my credit report. I monitor my credit very closely and do not appreciate having to spend time writing letters to companies who buy bad paper and hope to threaten me with bad credit in order to get paid. Almost anyone can put something on my credit report these days, without any proof shown to me or the credit bureaus. After several attempts in writing to get some proof, it is still on my credit report. I would like you to step in and help resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the fair credit reporting, XXXX XXXX XXXX, with the original creditor being XXXX XXXX incorporation, and XXXX  have violated my rights. Both of these accounts are not my accounts. 

15 USC 1681 section 602 states I have the right to privacy and the right to fair and accurate credit reporting. 
15 USC 1681 section 604 A Section 2 : also 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 number under an open-end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt in question is the Department of Veterans Affairs in the amount of {$3600.00}. This account was paid of XXXX XXXX. This is not a collection account. Experian is reporting this account as currently in collections for XXXX and XXXX of XXXX This information is in accurate and completely false. I have disputed this with the original company ( the United States Government ). They have told me they are not reporting this as a collection. I obtained the original documents from the department of veterans affairs from the U.S Government. I have supplied this documentation to Experian. I have disputed this account ( 6 ) times! They continue to report this account as a collection account in collections as of XXXX and XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I put these companies on notice that if they do remove these accounts from my report that I didn't give them permission to report I will be moving forward with a legal action for violation of my federally protected consumer rights according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in default. Started the default resolution program in XX/XX/2020. Made {$10.00} payment ( only required {$5.00} ), then the virus hit, and president order went into effect. Made another {$20.00} payment in XXXX or XXXX. 

Keeps being reported as late payments on all 5 accounts even though thats not the case. Program should have ended in XX/XX/2020 and it didnt until XX/XX/2020. 

I have disputed with all 3 major credit agencies as well is US Dept of Education and the collection agency to no avail.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and seeking redress for violations.
Product: Credit reporting or other personal consumer reports

Back in XXXX, I was affected by a XXXX data breach settlement and my identity was presumed to be stolen. According to Consumer Law 605B, if there are any items that are proven to be fraud, it must be deleted from my credit report.
Product: Student loan

I have previously filed a complaint regarding my problem. The case number is : XXXX. The status is showing that it is still in progress. In the meantime, my employer has received a new garnishment letter, which says it will go into effect on XXXX/XXXX/2016. It is now XXXX/XXXX/2016, so it is supposed to take effect on my next paycheck, which is Friday. The order states they are garnishing 15 % or levy, which was supposed to be attached, but was not. It is issued to USA Funds, on behalf of XXXX XXXX. Can you please advise? I 'm already getting a paycheck for {$300.00}, if 15 % is taken off of that, I will not have anything left.
Product: Money transfer, virtual currency, or money service

My check was approved and completed by XXXX threw the Venmo app and Venmo has yet to still add the funds toy account