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

There are accounts reporting on my Credit Report which are unknown to me, upon further research, I found that these accounts are fraudulent. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Date XXXX Balance : {$4600.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a CFPB complaint with XXXX XXXX on XX/XX/XXXX regarding credit reporting issues related to Capital One Auto Finance under # complaint XXXX. They answered and closed the complaint on XX/XX/XXXX.
Today XX/XX/XXXX I ordered and received a new copy of my current credit report. XXXX XXXX is now reporting an open auto loan with Capital One Auto Finance as well as a missed payment. This account was already closed and charged off as indicated in the attached report from XX/XX/XXXX. It has decreased my credit score and is now showing I owe money on an open loan that is actually closed and charged off. This is in violation of FCRA. I have attached copies of Capital Ones recent letter and images of how XXXX XXXX was reporting in XX/XX/XXXX and XX/XX/XXXX It is against FCRA to report a missed payment and revolving credit on a closed and charged off account. They will continue to report this every month until they fix it. During that time it will decrease my score every month. I am requesting they fix this as the loan is closed and charged off.
Product: Credit reporting or other personal consumer reports

In according with Fair credit Reporting Act is a violation of my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX section XXXX XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX a section XXXX ; it also XXXX a consumer reporting agency can not furnish account without written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; a creditor may not treat a payment on a credit card account under an open consumer Credit plan as late for any purpose. as for charge off account with Denefits LLC, a charger off is considered a certificate of indebtedness and charge off are considered income and income can't be reported to my credit
Product: Credit reporting or other personal consumer reports

During covid my Indigo credit card was closed by the merchant and my payments were up to date when I disputed this issue and now it's back on my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX FAIRWAY INDE XX/XX/XXXX XACTUS-AVANTUS/FAIRWAY XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX CAPITALONE XX/XX/XXXX DISCOVER FINANCIAL SER XX/XX/XXXX DISCOVER FINANCIAL SER XX/XX/XXXX FEB/DESTINY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CORELOGIC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Debt collection

in XXXX i saw a debt on my report that was not mine so i call portfolio recovery and ask portfolio recovery to validate the debt I all so shared with them that I share the same name as my dad, brother, and my son and that I would follow up with a letter I have sent three certified letters to ask for validating the debt 4 months later I have got no response but they call all the time they leave no message they call my phone and my mother phone although my letter state that all communications will be by mail. thank you for looking into this matter.
Product: Checking or savings account

i recently opened a business checking account & chase credit card which chase recently approved it & now closed my account for no apparent reason & not disclosure at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Delete Immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX Please Delete Immediately
Product: Debt collection

I TIED TO DEAL WITH THE COMPANY & IT WAS TURNED OVER TO COLLECTION WITH 3 DIFFERENT COMPANIES THEY TRIED TO SUE ME & PUT IT ON MY CREDIT REPORT, I AM A SINGLE MOM MY HUSBAND IS DECEASED!! I CALLED XXXX & THEY CONTINED TO PURSE ME WITH THE REPORTS, THEY GOT FROM THE OTHER COMPANIES THEY ARE DAMGEMING MY CREDITS STANDERD UP 1ST TIME THEY TRIED TO GET ME & IT WAS OVER 2YEARS AGO SO THEY SOLD IT & MORE MONEY WAS ADDED IT WAS CHANGED AGAIN THEN IT HAS BEEN CHANGE AGAIN TO TO TRY TO COLLECT IHAVE NOT BEEN YOU CAN GO TO MY REPORT & READ, XXXX  MADE NO ATTEMPS TO HELP ME I THINK THIS IS WRONG DO I NEED TO CONTACT TH PRESIDENT OF U S A FOR HELP!!!
Product: Debt collection

I originally had a debt with XXXX cable for {$1000.00}. The debt was sent to XXXX XXXX XXXX ( XXXX ). The account was settled with XXXX for {$510.00} on XXXX ( approval code XXXX ), in order to close the account. Within a month or two another credit collection company ( AFNI INC ) was trying to collect for XXXX {$510.00} ( which would have been the remaining balance to XXXX, had I not provided a lump sum to XXXX to settle the debt ). 

XX/XX/XXXX -I called AFNI around XX/XX/XXXX to let them know that this debt had already been settled with XXXX  . They told me that they were hired by XXXX and that I had to contact XXXX to fix it. I then called XXXX who told me they did not have the settlement in full letter from XXXX. I called XXXX back, and they said they absolutely sent that info to XXXX and they would send it again. 

XXXX XXXX- I called XXXX and XXXX again to resolve this matter. Assured by XXXX it would be handled, nothing changed XX/XX/XXXX-Again called XXXX to ensure XXXX was sent proper info to realize debt was settled. Given file # XXXX XX/XX/XXXX- Called XXXX again to straighten this out, given reference # XXXX XX/XX/XXXX-called XXXX again. Transferred 3 times, on the phone over an hour and the final person pretended to be from another cable company!! 

XX/XX/XXXX- disputed AFNI XX/XX/XXXX-disputed AFNI I provided what was a large sum of money for me, to settle this debt and improve my credit almost 2 and a half years ago. Instead of improving my credit, I received another negative account to further affect my credit negatively. I have tried to resolve this matter and been unsuccessful. XXXX was always helpful and I feel reported honestly. XXXX has been rude and incompetent, and AFNI negligent. They were provided with proof of my settlement in full receipt from XXXX and still attempt to collect on me, negatively affecting my credit score for years and thus costing me extra money in the current loans I have.
Product: Checking or savings account

I closed my XXXX XXXX  at Ally Bank on XX/XX/XXXX. Ally verified the routing numbers for my XXXX XXXX. I was told XXXX days. I have spoken to XXXX bank representatives since then and each say its closed. I have at least XXXX case numbers ( latest # XXXX ) trying to determine the issue. I have spoken to numerous supervisors, and I get the same answer : you should have in on to 3 days. Today is XX/XX/year> and still no money. I am looking for my {$6400.00}. 
Background : I had XXXX XXXX 's - XXXX per month with {$6000.00} plus accrued interest in each XXXX. Because of age and health, I have started to consolidate to a money market at XXXX. I have had trouble getting my money every month. This is worst case, and I think Ally customers should be aware. Ally appears to be financially sound. I think this is their way of using my money without paying interest. I lose both at Ally and XXXX.
Product: Bank account or service

I chose no overdraft on my account for a reason when I opened my account but Capital One allowed 2 transactions to go through my account and be paid that were over XXXX a piece on the same day when there was on XXXX dollars in my account instead of sending the payments back so that caused my account to be overdrawn and then on top of that Capital One charged me over XXXX NSF charges when they should not have paid those two checks. My issue is that the bank knowingly allowed these payments because the company who submitted the XXXX checks initially submitted a little over XXXX to the bank and they sent that back then the company split the payments into three checks and the bank accepted XXXX of them when there was not enough money to cover either of them at the time. So, I could n't bring my account current at that time due to other transactions coming out of my account so I paid it off slowly via my direct deposits from work and since it went over 30 days they charged off the account but did not close it because my direct deposits were still going to that account so I finally reached the payoff/charged off amount on XXXX and I am waiting on them to release my account back to full servicing but in the meanwhile, I wanted to send this complaint because had they not accepted those XXXX checks on the same day I would not have been charges so many fees and gone through this ordeal. If there is n't enough money in my account things should not be paid regardless of any other factors because that is for me to straighten out not for my bank to make that decision and then capitalize on it with all those fees. I believe Capital One did this on purpose because the XXXX check that the company submitted on the same day for around XXXX was sent back, all of them should have been sent back period due to the balance in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy og my credit report. To my surprise, XXXX, XXXX, and XXXX are reporting accounts incorrectly. The collections accounts are not only reporting as open but, also shows past due balance. According to the FCRA, I have the right to an accurate credit report. INn accordance with the Fair Credit Reporting Act Choice Recovery Account number : XXXX and XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without written instructions.
Product: Checking or savings account

I had three fraudulent transactions posted to my account on XX/XX/XXXX and XX/XX/XXXX of 2020 one in the amount of XXXX another in the amount of XXXX and another in the amount of XXXX, I filed a dispute with the bank on XX/XX/XXXX i had my debit card replaced in the process the dispute was denied a few days later i wasn't given a clear reason why all i know is that the charges were fraudulent and unauthorized and TD bank failed to understand this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXXL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

This company has charged off the original balance of the vehicle of {$27000.00} but yet reporting a past due balance of {$4100.00}. Every month this company is reporting a balance to my credit report of {$4100.00} to a charged off account. I would like the also like the original contract that I signed with this company that is reporting to the credit bureaus.
Product: Mortgage

For the record as evidence in court for prosecution I submit these call logs records as evidence that employee known as XXXX from XXXX Wells Fargo Home Mortgage continues to refuse to comply with the lawful notices previously sent and continues to violate consumer rights and harass me.
Product: Debt collection

This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation of HIPAA as well as the Fair Credit Reporting Act.     After viewing a copy of my credit report, I noticed a collection account placed on my credit report from  Enhanced Recovery Corp.      Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA ) t o protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt an d HIPAA author ization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.       XXXX   XXXX   XXXX   XXXX   needs to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XX/XX/2016    amount {$720.00}
Product: Debt collection

You have account XXXX for Self listed on my report as a charge off but also a balance reporting. If something was written off, a 1099-C must be filed ( which is never received a copy ) and the balance should show XXXX. A charge off is also considered income and income can not be reported on a credit report. 

I'm also receiving emails as if the account is still open as a regular credit card and not charged off. Im receiving many emails and many different types. You also continously reported late on my trade line AFTER the 90 day no pay period that the FCRA requires. Any account that is being reported in accurately MUST be removed. This is your official 30 day notice to remove the trade line from my credit or I will sue for statutory damages.
Product: Credit reporting or other personal consumer reports

Filed and attempted multiple disputes on XX/XX/ hence no reply or action by company. I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give XXXX, Experian and XXXX a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response XXXX, Experian and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information updated and corrected.
Product: Vehicle loan or lease

The vehicle, a XXXX XXXX XXXX, was paid off as of XX/XX/XXXX. Capital One Auto Finance, the lienholder, insisted by phone that they provided the California Department of Motor Vehicles with a release of lien, which they did not. They blamed the DMV for the delay in receiving my title. I checked with my local DMV desk at a XXXX office earlier this year and they confirmed that there was still a lien of " {$0.00} '' against the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I went through this process THREE times with Citizen 's Bank HELOC which I received a letter entitled, " Your Investigation Results '' which states that Citizens One Loans is " deleted '' from credit report I thought they understood that meant it was not me who spent the {$9000.00} line of credit and beyond a preponderance of the evidence, it was their senior representative - XXXX. 
In the previous Complaints to the CFPB, there Office of the Chair was just answering my complaints as if tea ever read them!? In the complaint, I wrote that I was told, years ago, by XXXX that it was costly to transfer money to pay my HELOC and at the time, I trusted banks! XX/XX/2016, I entered the bank seeing XXXX, the teller closest to the entrance. I saw on his computer screen my account opened and a larger amount deposited into an account I thought XXXX closed and money buy the hundreds was being transferred into my checking account # XXXX!!! I did not know at the time to take a picture and where is their fraud department as I had an account there for over 25 years and if I wanted the money ( check from XXXX XXXX ), I would have deposited it into said account!!! 
The Office of the chair in my last complaint told me it does not cost anything to make transfers ( I KNOW ) and Informed me that I should go to XXXX XXXX ( which I DID & sat in that office ( prior to the chair 's office recommendation! ) as I have my XXXX! Although it would be illegal to take advantage of a mentally challenged individual. I never made a claim for water and sewage back up which is what the heck is written on the check I never deposited into closed, I thought, account!!!!! 
I just got a bill AGAIN saying I owe {$100.00} by their Equity Department manager in the XXXX XXXXXXXX?!?! By the way, the branch at the location I banked CLOSED!!! I wonder why ...!?!?!

I never took any money from that account but was paying it! 
Once, I went to the bank because I never in entire time banking at Citizen 's received any statements for that account not knowing that there are billion dollar lawsuits for a bank to have an account open in their name and that person, in this case ME, not knowing about it! or never receiving statements!!!! in my last complaint, Citizens hello department I infer thought it funny to send me all the paper work at once so the pile was 3 inches high or more!!!!! Little too late I think!!!!! I was unaware of activity as I never made activity!!! I asked for XXXX and he 'actiing ' like he was having serious conversation with the HELOC department ( way before this incident in 2016 ) but when I asked what was said he told me that he could not discuss it and being naive, I accepted that as an answer ( don't ask me why?! ). 
I do not owe any money to Citizen 's and why did I get a removed from credit report and still get a bill????? 
I DO NOT OWE IT WAS A RESULT OF IDENTITY THEFT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had a credit card for 20 yrs with XXXX XXXX. The one I had then I filed bankruptcy on because of their collection practices and late fees and over the limit fees. I was granted that in XXXX. They claim I have opened an account on XX/XX/XXXX ( 2 yrs, 4 mos ago ). The balance showing on my credit report is {$390.00}. XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX. Original company XXXX XXXX XXXX XXXX I have called Researgent Capital Seversal times. The last time the women said there were 2 pmts made. She said NO ONE COMMITS FRAUD AND MAKES PAYMENTS. Then she laughed. Today I got a letter in the mail giving me 30 days to dispute this letter. I am getting nowhere.