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

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/ It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-oft misrepresents my payment history and negatively impacts my credit score Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections Thank you for your prompt attention to this matter.
Product: Checking or savings account

XX/XX/XXXX I was charged {$29.00} nsf I had the funds another account the company never allowed the payment to hit the account but thy charge a fee
Product: Debt collection

XXXX XXXX XXXX continues to harass, mislead, and intimidate me with hostile collection practices. Multiple representative claiming to represent XXXX XXXX XXXX contact me throughout the day, threatening additional legal action. Unbeknown to me, XXXX XXXX XXXX sent a summons to a XXXX address for which I did not reside. At the time, I was living in XXXX and was not aware of any legal proceeding by XXXX XXXX XXXX. As of XX/XX/2022, I offered to settle with XXXX XXXX XXXX at {$570.00} per month for XXXX. XXXX XXXX XXXX declined my offer ( {$6900.00} ) and thus, demanded immediate payment including my bank account information. The following are the hostile tactics used by XXXX XXXX XXXX. XXXX. Sued without properly notifying of a lawsuit, sued me in a state where I did not live, sending summons to XXXX, while I was living in XXXX. XXXX. Threatened and suggested my credit would be damaged. XXXX. Attempted to seize my property, personal bank account, demanding my debit card information. XXXX. Communication tactics ( repeated phone calls, using threatening and abusive language, transferring me to numerous XXXX XXXX XXXX personnel. XXXX. Threatened to take additional negative legal action, taxes, and garnishment if I did not provide access to my bank account. XXXX. Contacted me after requesting them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXXXXXX XXXX {$2400.00} XXXX  XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$3300.00} ( XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$150.00} ( XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXXXXXX is coming after me for a loan that I received online. the rates where not explained until I had already signed for the loan. I received {$1300.00}. They were expecting me to pay {$600.00} a month for 26 months anything but ridiculous. I tried to discuss this with them and give them their money back with no luck. They want you to default on the loan so that they get 15 times as much in interest. Receiving harassing calls at work and at home. Talking about garnishing my wages. This can't be legal. No one should be able to take {$15000.00} over a {$1300.00} debt.
Product: Checking or savings account

I opened a high interest bearing Money Market 360 account with Capital One Bank many years ago. I recently logged in and calculated my interest rate for my account it was 0.8 %. Formerly it was over 4 %. 

I contacted Capital One Bank to determine why the interest on my account was now so low when the advertised rate is 4.3 %. They stated I would need to open a 360 Performance Savings Account to get that rate. 

My issue is that Capital One stopped paying competitive interest on legacy accounts without notifying customers that they would need to open new accounts to obtain competitive interest rates. This has likely cost me hundreds if not thousands of dollars over the time period they made this unannounced change to my interest bearing account. I can only imagine how much Capital One has profited by downgrading existing formerly advertised high yield savings/money market accounts without notifying the customer of the change or the ability to change to a comparable high interest account. In effect, Capital One has been cheating customers for an undetermined length of time. There is nothing to stop them from doing this again to cheat customers and pocket the difference until the customer happens to check their investment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported the incorrect balances in XXXX, XXXX & XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has my address as an office on my credit file XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have attach a picture from google maps of XXXX errors
Product: Credit card or prepaid card

On XX/XX/2023, I called navy federal credit union and asked for my tax refund to be released early because it was pending. I was told to call back on XX/XX/XXXX, to release funds and I was told today that majority of ny tax refund was offset due to a unpaid credit card. From my knowledge, tax returns can only be offset due to state and federal debts. A credit card is neither. I have 2 checking accounts with this bank and 5 savings accounts, 4 which are custodial savings accounts for my minor children. I receive mail on a regular basis from navy federal but I never received a letter stating the bank would be collecting my entire tax refund to repay an unpaid debt. I am a single mother to XXXX children, XXXX with suspected XXXX XXXX XXXX  This money would have helped offset some of their medical bills. Had I not called, I would not known why i received a partial refund. I get direct deposits every 2 weeks into this account. The money has never been transferred to this closed accounts. Covid effected my household as well as XXXX of other houses holds. The housing crisis and food inflation cost has taking a toll on me. I attempted to discuss this with 2 different individuals at navy federal. My tax refund was illegally seized by Navy federal without warning. Although i understand that I do owe for this debt, there was no conversation or correspondence between myself and navy federal before my refund was offset. Banks do not have the authorization to offset refunds for debts. I would like to resolve this matter and have my monies returned to me.
Product: Credit reporting or other personal consumer reports

My credit reports are all different. I cant even get my XXXX. They say I have no score but yet Im XXXX XXXX. I have a XXXX, un Equifax. I have a XXXX, Equifax has my wrong birthdate so its not even me trying to fix this.
Product: Student loan

SO Basically I feel like I am being over charged for student loans I am a single mom of XXXX children I am struggling and these student loans are keeping me from doing anything productive for me and my family.I am currently still in school trying to pursue my career so I can live a better life for my children Its like every year it goes up tremedously I reached out to the lenders about this no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation and deletion of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent, and after contacting the creditors listed below, they confirmed they have no evidence that I initiated these inquiries, nor do they possess any written authorization or permissible purpose for these actions. Since there is no authorization from me, either verbal or written, I ask that you delete these unauthorized inquiries from my credit report immediately.
Product: Checking or savings account

On XX/XX/XXXX I deposited XXXX checks via mobile app, XXXX under my name and another under someone else but endorsed to me, the next day I noticed that the app said the funds where on hold until the XXXX. Didnt think nothing of it but that same day the XXXX I noticed that my XXXX accounts and another XXXX where XXXX a signer where frozen and funds couldnt be used, not the funds from those checks but funds available from other sources. I contacted chase via phone and they told me the checks couldnt be verified, that XXXX looked like it was written by a child, that it was missed spelled, that they couldnt contact the maker of the checks ( never called him ) that the amount was suspicious, that the endorsement was wrong, that they tried contacting the third party by phone but the number I provided appeared as someone else, I been calling every day trying to solve this issue and XXXX just running loops with their solutions I already contacted the phone carriers and the phones are under each of XXXX of us and also the maker ( my employer hasnt been contacted ), the last suggestion they gave me was to ask the maker of the checks to cancel the payment, and that cant be done because chase already cashed the checks and deposited in my account and froze the money until they solve this matter. So now here I am no solution tru them over the phone or the branch ( they refused to take ids in the branch and we both have accounts with them ) the branch said it cant be solved there because of policy with the call center, today is the XXXX and XXXX to XXXX XXXX where I know theyre gon na keep my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I was about to purchase a house and my loan broker check my credit and inormed me that my credit had gone down because of a line of credit that was not paid for the month of XXXX, 2022. I called Self, Inc to confront them a bout the account. They informed me of a bank account at XXXX XXXX that does not belong to me. For sure, I have never open any account with Self, Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1524 Daytona XXXX Fl XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/year> CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason : XXXX XXXX XXXX  FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT US AUTO CREDIT XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTC, XXXX, CFPB Client name XXXX 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 65081 and list of Inquiries.

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: Debt collection

I am writing to request the removal of a collection account from my credit file. The account in question has been paid in full, and I would like to ensure that my credit report accurately reflects this. 

Details of the Account : Creditor Name : XXXX  XXXX XXXX XXXX Account Number : XXXX  Collection Agency : XXXX XXXX Original Amount : {$250.00} Date Paid :XX/XX/24 Reference Number : XXXX Enclosed with this letter are copies of the payment confirmation and any relevant documents that demonstrate the account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$780.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$590.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX {$510.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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: Checking or savings account

I did not make or authorize these transaction ( s ) that appear on my account. 

Noticed the transactions on my account, So as per Bank Of America I contacted the merchant to attempt to solve the issue and retrieve my money back into account after numerous attempts and being advised that the company was investigating my claim XXXX continue to debit money from my account, I contacted Bank Of America and explained to the representative what was going on she suggested a block from that company being able to debit account I continued to attempt to resolve issue with merchant after months and the issue not being resolved I contacted Bank Of America on XX/XX/2023 to put a claim in for monies debited again I only waited so long because I attempted to solve issue between myself and merchant, This is the first thing my bank ( Bank Of America ) advise the customer to do and now that I did that I am being denied my claim without the bank investigating because I did exactly as BOA advises. Also the information the company has does not match with any of my personal information per phone number, customer name, or email. This is why I am requesting an appeal on my claim and boa please do a investigation. As a loyal customer past years I would really appreciate my bank working with me to help resolve this matter..
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe TransUnion XXXX and XXXX has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. 
I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. 
1. Proof of right to own/ collect this alleged debt 2. Balance claimed including all fees interest and penalties XXXX. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use XXXX in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX Account XXXX XXXX