23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Capital one has added numerous late payments to my account. I have called and requested to be put on a payment plan. I was advised by rep XXXX that I was then put on a plan in which they have no notation of. Poor record keeping. I also disputed the lates because my wallet was stolen in which Capital One was given the police report number. i was still never sent any new cards and late payments were are inaccurate were added to my account. I was lied to by Account Supervisor XXXX and also rep XXXX XXXX on XX/XX/XXXX at XXXX XXXX and again at XXXX XXXX. They advised that there was nothing they were able to do and they are not authorized to remove the late payments even though they acted without care. 

The late payments are as follows XX/XX/XXXX : XX/XX/XXXX & XX/XX/XXXX :  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I signed up for a feature to utilize if I become unemployed that my bill is still paid. After being out of work and on FMLA in XX/XX/XXXX and XX/XX/XXXX i received none of the features I signed up for. The representatives within Capital One are acting with negligent. I was also advised by a rep to violate my HIPPA rights and send in my FMLA doctors statement. Which I feel is a complete violation of privacy and against HIPPA laws. 

Also one of my cards has expired and I was never sent a new one for that card either.
Product: Debt collection

Zion debt holdings at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX phone number XXXX contacted my wife some security account that my father in law opened up under XXXX. We have nothing to do with that account or debt that my father in law ( XXXX XXXX ) may owe. We never authorized any account or signed anything that allowed us to incur any kind of debt or account for my father in law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company and reminded them that I paid off my RISE loan on XX/XX/2023, for {$1400.00} but it was still showing as having this amount due in my credit report. They said it would be updated but it was not. I disputed this with the credit bureau-XXXX and RISE said that the my account had not been paid which is totally untrue. The money was deducted from my account on XX/XX/XXXX. RISE is still showing my account as owing {$1400.00} when it has been paid in full. TransUnion has not updated the account.
Product: Student loan

My daughter took out 2 parent plus loans that Navient harassed me for an entire year bc my daughter wasnt paying them so I took those 2 loans totaling XXXX into my loans. My loans have never been late. 

Now, recently they have begun harassing me alleging i co-signed for these private loans for my daughter who I have not communicated with for 7 years. I KNOW I NEVER SIGNED FOR ANY PRIVATE LOANS. I HAVE REQUESTED A COPY OF ORIGINAL LOAN PROMISSORY NOTE AND ANYTHING WITH MY SIGNATURE. They have not complied. The loans were taken out XXXX XXXX before Sallie Mae was using XXXX. However, they must produce something with my signature for a private loan. If they changed the terms of my daughters loans and allegedly I am the co-signer, then they are required to notify me and I must agree to it. AGAIN, I NEVER SIGNED FOR XXXX PRIVATE LOAN AND THEY ARE REQUIRED TO PROVIDE PROOF OR REMOVE MY NAME FROM ANY RESPONSIBILITY FOR HER LOANS. THEY MUST PROVIDE ORIGINAL DOCUMENTATION TO PROVE LIABILITY ALONG WITH SOME SORT OF SIGNATURE. They stated it was XXXX but Sallie Mae was not using XXXX in XXXX and XXXX. 
My credit is being negatively affected now so I am going to sue for damages and attorneys fees. Please assist with Navient. They are seriously not following the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked into my credit report, I noticed that some of the information was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) mandate that these items be verified by the three credit bureaus ( 1 ). ( A ). It is unacceptable to treat these reporting items as unverified allegations without providing evidence within the prescribed window of time. Sections 611 ( a ) and 609 ( a ) ( 1 ) ( A ) ( 1 ). ( A ) Could you look into the unverified items and remove them from my file right away? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit Reporting Act ( FCRA ) to conduct a reasonable reinvesting action of disputed information on credit report, leaving inaccurate or unverifiable account unresolved.The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To date, these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.
Product: Credit reporting or other personal consumer reports

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, 15 U.S.C. 1692c ( c ) I sent dispute letters to the following creditors more than 45 days ago and they have not responded and the debt is still reporting. Please immediately remove the following accounts from my report. 

( 1 ) XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX * per XXXX They arent even licensed in Texas and the dont have a purchase agreement for the debt their attempting to collect. 
( 3 ) XXXX XXXX XXXX * per XXXX  They arent even licensed in Texas and the dont have a purchase agreement for the debt their attempting to collect. 
( 4 ) XXXX XXXX XXXX per XXXX  They arent even licensed in Texas and the dont have a purchase agreement for the debt their attempting to collect. 
( 5 ) XXXX XXXX *refused to provide validation ( 6 ) XXXX * states purchased by another lender also XXXX  account paid and closed over 7 years
Product: Payday loan, title loan, or personal loan

I took a loan out for XXXX XXXX dollars then a loan company name Pegasus purchased my loan for XXXX and now they are charging me XXXX as repayment. I have a lawsuit going into settlement and my lawyer made me aware of this. I tried calling they are not trying to help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I have received a copy of my consumer report and I noticed that you have furnished transactions as late on my Consumer Report a creditor you can only treat a payment as late when they meet all the requirements of 15 USC 1666 B. 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. The account that you Experian are Furnishing below as late is inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute these accounts in its entirety due to the fact you are reporting inaccurate and incomplete information and you must delete these transactions listed as late immediately. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Enclosed : copy of ID and Utility Bill showing proof of address and SS.
Product: Debt collection

Through the use of a credit monitoring service, I discovered that AllianceOne Receivables Management , Inc. was reporting a debt in the amount of {$690.00}. I filled out a form on their website to attempt to resolve the issue. A Compliance Officer replied, and after speaking to her on the phone I was able to obtain an account number and a phone number to call. I called that number, repeatedly, over two weeks. I left messages clearly stating my name and the account number I was given. I finally reached them and the representative was unable to locate my account. I was given another number to call and received the same result. Again, I was given another number to call and my account was unable to be located. I now have a fourth number to call and have left a message. I am trying to be proactive and resolve this debt, but this company is making this process impossible.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXXXXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Checking or savings account

Around XX/XX/year> Capitol One placed a freeze/block on my checking XXXX account. Their reason for this freeze, I was told this by customer support, was a routine XXXX transfer from a third party. I regularly trade currency, RMB for USD, on a website called swapsy.com as I live and work in XXXX. I have used this service receiving many XXXX transfers into other bank accounts for 5 years and have never had a single problem. The XXXX transfer I received was initially credited to my bank account with no problems, I debited the money for a purchase, and only XXXX days later the account was frozen with the account having a balance of roughly {$7.00}. The XXXX transfer can be fully trusted and vetted by contacting XXXX or XXXX. 

At the time of the account freeze, I had just initiated a {$5000.00} transfer from another checking account and I could not stop this process. So, unfortunately, my {$5000.00} arrived into a bank account that was frozen. This money I desperately need for my finances and I am in severe mental and financial distress at the loss of my money. When I ask Capitol One when this can be resolved, I am only told that the account is under " investigation '' and they will not give me a timeline for how long this will take. Despite my desperate pleas to customer service I am repeatedly told, " We are ending our banking relationship and will not provide a timeline for access to your funds. '' I am demanding that you unfreeze my bank account and/or release my funds immediately as this is my hard earned money. As well, I have emailed and am mailing the same demand letter for release of my funds. I will continue to pursue this money endlessly. I will not stop until justice is served. I am prepared to report this matter to relevant media sources including but not limited to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, XXXX, XXXX, XXXX. In addition to media contact, I have searched the web and found Capitol One has done this to many people, victims. I intend to begin an online forum to find victims of Capitol One fraud and begin a class action lawsuit against Capitol One. I will not rest until my money is returned and other victims of fraud inflicted by Capitol One are given justice. 

I only consider myself lucky to have other funds. Unfortunately, I am now using my stock portfolio to pay bills at a great percentage loss. 

I offer Capitol One the opportunity to lawfully return my money to avoid further legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts : XXXX XXXX - {$470.00}, XXXX XXXXXXXX - {$540.00}, XXXX - {$100.00}, XXXX XXXX - {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - {$1900.00} Dispute letters were sent to credit bureaus ( XXXX, XXXX, Experian ) on XX/XX/2023 through USPS certified mail to verify through physical verification of the original signed consumer contract of all accounts mentioned above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) for reporting multiple inaccuracies regarding my account. These inconsistencies are misleading and damaging to my credit profile. 

Company Name : XXXX XXXX  XXXX XXXX XXXX Lender ) Company Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Inaccuracies in Reporting : 1. Conflicting Account Opening Dates Across Different Credit Bureaus : One credit bureau reports the account was opened on XX/XX/XXXX Another credit bureau reports the account was opened on XX/XX/XXXX This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires accuracy in consumer reports.

2. Contradictory Payment and Account Statuses : The account is reported as Current and Closed at the same time.

One report states 60-89 days late, but another shows Current.

This creates confusion and is a clear violation of 1681s-2 ( a ) ( duty to furnish accurate information ).

3. Inconsistent Closure and Charge-Off Dates Across Different Credit Bureaus : One credit bureau states the account closed on XX/XX/XXXX, with a last payment on XX/XX/XXXX. 
Another report marks the account as charged off as bad debt and a profit and loss write-off. 
An account can not be closed and charged off simultaneously. This violates the FCRA and creates misleading reporting. 

Applicable Laws Supporting This Complaint : FCRA 1681e ( b ) : Duty to Ensure Maximum Possible Accuracy ( Conflicting reports violate this law ) FCRA 1681s-2 ( a ) : Duty to Provide Accurate Information ( Bureaus are reporting different dates ) FCRA 1681s-2 ( b ) : Duty to Investigate Disputes Consumer Financial Protection Act ( CFPA ) Prohibits Deceptive and Misleading Practices 1681e ( b ) : Duty to Ensure Maximum Possible Accuracy ( Conflicting reports violate this law ) 1681s-2 ( a ) : Furnishers must report accurate information 1681s-2 ( b ) : Duty to investigate disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS CREDIT XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX {$110.00} not mine XXXX XXXX   XXXX {$980.00} not mine XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$970.00} not mine XXXX XXXX XXXX XXXX {$710.00} not mine XXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$700.00} {$700.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in XXXX  column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit card

The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that Bank of America reported I was delinquent on several credit card payments. I contacted Bank of America and they said that they only had a checking and savings account under my name on file. XXXX these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report to them but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion, XXXX  and XXXX  Reports there are to many inquiries that I did not authorize. 

It is very disturbing that these inquiries were made without my written consent or knowledge and I would like them removed immediately please. 

Thank you, XXXX XXXX Please see report pages with the inquiries that I did not authorize or consent to.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XX/XX/2024 Experian, XXXX XXXX XXXX, XXXX, TX XXXX. 
Subject : Demand for Immediate Account Removal Due to FCRA Violation To Whom It XXXX Concern, I am writing to formally demand the immediate removal of the following account from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Under FCRA Section 1681s-2 ( a ) ( 3 ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer. 
Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal. 
I am demanding that you : XXXX. Immediately remove this account from all credit reporting agencies. 
XXXX. Provide written confirmation of the accounts deletion within XXXX  days. 
Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees. 
This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report. 
You have XXXX  days to comply with this demand.
Product: Credit reporting or other personal consumer reports

LexisNexis violated my privacy rights. they took my Information off of Pacer Service Center and gave it to the Credit bureaus. According to the fair credit reporting act all information must be 100 % accurate and reported through the original creditors bureaus. In this dispute the original creditors is the United States Bankruptcy Court. I have documentation stating they do not report nor verify any Information with any of the Credit Bureaus nor LexisNexis. In this case my privacy rights was violated by LexisNexis I Demand this Public Record to be Deleted from My file Immediately.