23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I financed brakes in XXXX of XXXX with comenity bank through a company named XXXX XXXX XXXX I was promised a one year of free interest rate in which my balance statement wasnt mailed to me two months later. I wasnt able to pay off my balance before the due date. I was charged interest rate for that year plus more interest rates on the new balance of my account. I finally paid off my balance XX/XX/XXXX, but they continue to charge me interest rate on a XXXX account. I called Comenity bank to try to get some help, instead they say the bank lended me the money and it automatically generates interest rates.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against Capital One regarding their continued inaccurate reporting of a debt on my XXXX credit report. This reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit score and financial reputation.

Key Issues : Incorrect Reporting of Sold Debt : Capital One is reporting a balance of {$470.00} on my XXXX credit report, even though this debt was sold to XXXX XXXX XXXX. 
Under the FCRA, once an account is sold, the original creditor is required to update the balance to {$0.00} and note that the debt was transferred or sold. Capital One has failed to update this information properly. 
Impact on My Credit Report and Score : The continued reporting of this balance by Capital One creates confusion and misrepresents my financial obligations, resulting in a negative impact on my credit score.

This inaccurate reporting has adversely affected my ability to secure financial opportunities.

Failure to Address the Issue : Despite previous disputes and attempts to resolve this matter directly with Capital One, they have not corrected their reporting.

Resolution Requested : I request the following actions : Immediate Update of the Account : Capital One must update the account on my XXXX credit report to reflect a {$0.00} balance and clearly indicate that the debt was sold to XXXX XXXX XXXX. 
Removal of Inaccurate Reporting : If Capital One can not validate the current reporting, I request that the account be removed entirely from my XXXX credit report. 
Compliance with the FCRA : Capital One must ensure their reporting practices comply with the FCRA to avoid future inaccuracies. 
Supporting Documents Enclosed : A copy of my XXXX credit report showing the incorrect reporting by Capital One. 
Correspondence with Capital One regarding this dispute. 
Impact and Final Request : The continued inaccurate reporting by Capital One on my XXXX credit report has caused significant financial harm and undue stress. I kindly request the CFPBs assistance in ensuring Capital One updates this account appropriately and in compliance with federal regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Debt collection

I dont owe XXXX anything or at least this amountXXXX owed me an credit and they never applied the credit to my account So I told them I was paying anything until they apply the credit to my account.So they decided to closed out my account and send me to collections The amount being reported to my credit report is inaccurate and incorrectIm asking for the original contract with terms and conditions.I want a copy of all the statement for the account history I was suppose to receive reduced phone bill serviceI was apart of an Affordable Connectivity ProgramThey were by law suppose to reduce my phone bill to like {$30.00} a month .They also owed me a bill credit They never paid meSo I didnt payI stop paying because I got tired of arguing with the foreign call center repsI told them Im paying until credit my account and you give the federal assistance program. 


I will be filing a federal lawsuit against XXXX and Credence resource management for unethical business practicesI may also do a federal class action lawsuit for others who have dealt with this I will also be contacting the FCC about this matterI will also be contacting the TX Attorney General and Maryland attorney general about this serious important matter This is a clear violation of the FDPCA and FCRA.Which are grounds for a federal lawsuit Im also asking that they cease and desist from communicating with me via mail telephone and email .After reciept of this complaint/dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY 107 POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.
Product: Debt collection

The original creditor XXXX XXXXXXXX XXXX sold a debt to National Credit Adjusters for {$470.00}. This fraudulent debt has caused damage to my reputation and ability to obtain credit. I've asked for a verification of this debt such as an original contract showing that I'm legally obligated to pay this debt and I have not received anything. The credit bureaus continue to report this debt without proof that this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX ( XXXX ) inquiries appearing on my Equifax Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with Equifax and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
Product: Vehicle loan or lease

I am a victim of identity theft. I have disputed an account  with North state Acceptance and  they continue to verify the debt as mine even after I submitted my original police report. I 'm now asking you to step in and help me resolve this matter before any further damage is done.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on TARGET/TD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
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 : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach, and these accounts and inquiries were fraudulently added without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items.

FraudulenXXXX Accounts : XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXXXXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1500.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$340.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$550.00} XXXX. Creditor Name : XXXXXXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$340.00} XXXX. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$610.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$480.00} XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00} XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$690.00} XXXX. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$610.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13000.00} XXXX. Creditor Name : XXXX, XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$860.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$400.00} XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) 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 ( multiple inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

regions bank XXXX XXXX XXXX XXXX XXXX took XXXX from my account i had a checking and savings i deposit XXXX i did a cashier for XXXX and another for XXXX gave it to XXXX XXXX XXXX to purchased me and my XXXX kids a home to call ours they cash my cashier check without giving me keys for the trailer my lawyer XXXX XXXX XXXX XXXX has copies of contract where the contract for trailer said paid and full XXXX XXXX XXXX XXXX, XXXX XXXX XXXX took my funds tried giving me a trailer i never pick i waited three months for a trailer i never chose they known for taking some customers money and keeping the trailer for them after this happen alot of fraud been going with my accounts checking and savings i should still get the trailer they played me with willing to give XXXX back alot but they cash out XXXX from me and tried giving me 8 sets of keys for a trailer that suppose to be ordered and me and my XXXX kids waited three months until they tried giving me and my family an awlful trailer that i never chosen and also they been having lots of fraudelent on my account i was unaware of i got into accident XX/XX/XXXX XXXX XXXX had XXXX XX/XX/XXXX had XXXX again XX/XX/XXXX on my XXXX  the XXXX  were out i deserve to have money into my account XXXX for my kids for when they would get into college i really been getting messed over im missing my XXXX out of XXXX   XXXX  XXXX XXXX XXXX me and my kids still not in a home i need my funds back can yall please help plus i waited three years for my settlement i got XXXX on highway in XXXX XXXX XX/XX/XXXX we deserve our funds im going to be XXXX XX/XX/XXXX life wasnt easy i couldnt work i had XXXX  XXXX XXXX XXXX i really need it back thanks my name is XXXX XXXX XXXX XXXX
Product: Debt collection

Capital Accounts has listed a collection debt on my credit reports. I have not received any debt validation even though It has been requested several times through the credit bureaus and registered mail. Capital Accounts continues to update this collection monthly and yet has not provided anything that proves they have the right to collect or that the debt is legally mine.
Product: Credit reporting or other personal consumer reports

My credit report contains errors under 15 USC 1681c-2. The listed inquiries were made without my authorization and are damaging my credit. Kindly remove all unauthorized hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$820.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$280.00}, and DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}.
Product: Debt collection

Penn Credit reported a medical debt that was owed 2 yrs ago Contacted them with a Debt validation letter on XX/XX/2021 no response from company
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not being reported accurately. Specifically, there are two late payments listed on an account for which I made timely payments. The Dates are XXXX XXXX XXXX XXXX XXXX  It is essential that consumer reporting agencies provide information that is completely accurate. 

I have attached a copy of my report to this complaint, highlighting the dates in question. Please investigate this account and update the payment status to reflect that these payments were made on time. 

Thank you for your understanding and prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last 4 of social XXXX Last year I was a victim of idenity theft, XXXX, since then I have been trying to clear my credit report some issues have been take care of, but other they will not provide me with and supporting document that its my account. I have asked that they provide me with supporting documents. Never get anything back. I have written 4 letters to the 3 bureau to dispute those errors I have sent them the police report I filled and documents. I havent received nothing. All 3 credit agencies have I have disputed the highlighted accounts below. Stating that they were not mine, and they are still on my report. The XXXX XXXX  below I called them and they said that is was another company. Here is the letter I wrote down when I called them. 
Todays date is XXXX Talked to this XXXX they told me that XXXX XXXX XXXX pulled my credit report. I told them I did not authorized it. Now this is XXXX I talked to. So I got the number for XXXX XXXX XXXX, phone XXXX left message to call me, waited 5 days no call back today I called and a person answered and told me that he did nothing for XXXX XXXX XXXX. He gave me another number XXXX name is XXXX left message to call me going to wait 5 days to see if he calls. No call back. 
XXXX XXXX  is the same company as XXXX below, and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Credit Accounts and account number XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXX XXXXXXXX XXXX These Accounts are not mine no supporting documents Experian XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquires XXXX XXXX  XXXX XXXX XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX  XXXX XXXX XXXX. These accounts are not mine never provided me supporting documents. 

XXXX XXXX Personal Information XXXX XXXX XXXX XXXX not mine XXXX AZ, XXXX Credit Inquiries XXXX XXXX XXXX XXXX Revolving Credit Accounts XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXX XXXX These accounts are not mine no supporting documents I have all the letters I sent the 3 bureau and police reports XXXX 

XXXX you can not get you credit score unless you pay for it. Why is that, the other 2 credit bureau you can go online and see you score.
Product: Credit reporting or other personal consumer reports

I am an existing Comenity Capital Bank credit card holder. I applied for a credit limit increase in XX/XX/year>2024 not being made aware that the request would result in a HARD PULL on my credit file. There was no additional step to consent to a hard pull, nor was there any fine print suggesting a hard pull on my credit would be made. In fact, in the recent past, online credit limit increase requests for Comenity cards were always SOFT PULLS. Again, I did not check an additional box consenting to a hard pull on my credit file, and no such box offering consent is present on the Credit Limit increase page. I want this inquiry removed from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX  XXXX
Product: Debt collection

I received a XXXX tickets in XX/XX/XXXX that was captured by a camera. I am in the military and I am always on the move. The only way I found out was when it showed up on my credit report as a collection account on XX/XX/XXXX. I had no knowledge of any debt before it went to collection and showed up on my XXXX report. I had no chance to contest my ticket, let alone pay it. Before this, my score was consistently above XXXX FICO
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX
Product: Checking or savings account

I booked a hotel through XXXX on XX/XX/XXXX for XXXX XXXX their confirmation is XXXX for {$170.00}. 
I never did stay there due to safety reasons. I called the hotel and sent emails to the general manager agreeing to refund me. They refunded the money back to XXXX. I call XXXX and since I disputed the charge they couldn't touch the funds to return to me. I reached out to Robinhood four times provided the info from red roof and to give me my money back. They never sent provisional credit to me. And still won't help. They say if it bring the dispute is lost then I can't get my money back. I want my money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a student loan for my daughter. I was told by the student finance officer the loan will automatically go into deferment and will continue as long as she stays a full time student at XXXX XXXX XXXX UNIVERSITY. From XXXX  2018 to XXXX 2018 XXXX XXXX XXXX took the account out of deferment causing it to reflect late payments, without my knowledge or good cause. I was told their system shows my daughter is no longer in school. My daughter has been a full time student since initial enrollment. I was told I had to make another request for a deferment. I went to my daughter school and told them they need to notify the loan institution of the correct information so these late payments can be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX acct # 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 a account without my written instructions
Product: Debt collection

SYNCB/Sam Club Date : XXXX Account XXXX. XXXX XXXX : {$2100.00} XXXX XXXX. XXXX  XXXX XXXX, Florida XXXX I have send them letters and disputes and they come back as accurate, I never applied for this card and its hurting my credit score i want it off and I have tried to send the company and stil refuse to do it. If not I want this letter send to another claims.
Product: Credit card

I accidentally purchased the wrong hotel rooms for a trip to XXXX. As soon as I made the mistake, I called my credit card company to see if they could cancel my transaction bc the hotel does not have an international number to call. I was assured that the transaction would not go through because it would cause my credit card balance to exceed the limit. The next day, the credit card transaction processed and I was allowed to exceed the limit. I have not previously been allowed to exceed my limit which is one of my favorite things about this credit card. When I called to ask why they said I had signed up to allow for the card to exceed its limit ( not sure when I did that ... ) and I would be responsible for the extra hotel rooms. I also reached out by email to try to correct the mistake but they have a no cancellation policy.