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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX : {$9300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows that i recently had a late payment about 3-4 months ago when i have not missed any payments for quite some time. Also they still show a Dep of Education account on my report that should be deleted as per the Fresh start program since it has been replaced with Dep of EdXXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) RXXXX XXXX XXXX /ACCOUNT # XXXXXXXX XXXX XXXX /ACCOUNT # XXXX XXXX XXXX /ACCOUNT # XXXX THIS IS MY 3rd and Final NOTICE REGARDING THESE FRAUDULENT ACCOUNTS LITIGATION TO FOLLOW I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record.

According to 15 U.S. code 1666b 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 So please update the following account XXXX XXXX XXXX XXXX # XXXX Regards, XXXX XXXX
Product: Mortgage

On XXXX I made an online mortgage payment to Carrington Mortgage Services. On XXXX I was informed that the payment was returned from my bank, so I made another payment and stored my routing number and checking account number. On XXXX i was again contacted by Carrington, who informed me that the payment was returned and that I " must have put in the wrong number. '' And, that I was turned into the credit bureau. I talked to another person on XXXX who verified, that I indeed had the correct information stored. I filed a complaint with the client advocacy department who said they would investigate -- received a phone call back, could not understand the return phone. So I have owned the home for almost 10 years, 8 1/2 which was with XXXX. Never, ever had a late payment. it is impossible to get through their main number so I go through XXXX. So the Carrington rep. on XXXX verified that the correct info. was stored, so they said they would pull the phone call. In the meantime, the only late ( false ) mortgage payment ever reported to the bureau. Plus, when I made the payments on XXXX and XXXX electronically, I received a confirmation email saying the payment was made. I believe they are committing fraud and need to be investigated because i see many other complaints online about them for similar reasons.
Product: Payday loan, title loan, or personal loan

Between XX/XX/XXXX and XX/XX/XXXX, I took out title loans with my vehicle as collateral with Title Max on XXXX XXXX XXXX in XXXX, SC. The loan number was XXXX and spoke to XXXX and XXXX as well as XXXX in that Title Max Office. I could not make the monthly payments so I voluntarily turned in the vehicle, a 2009 XXXX XXXX with just XXXX miles on the odometer. I was told they would sell the vehicle to satisfy the debt of about {$11000.00}. 

I do not know what has happened since the vehicle was voluntarily surrendered on XX/XX/XXXX. Was the vehicle sold? If so, for more than the loan balance and Title Max owes me the difference. I believe the XXXX had a value of at least {$14000.00} due to its low mileage and very good condition. Did Title max sell the vehicle for more than the debt and refused to refund me any difference? They are a sloppy   company and need more monitoring about what happens at the end of the loan or selling of the vehicle. 

Please, do not use Title max if you can help yourself. I learned my lesson but at least have no headaches from them calling me daily about this loan or the vehicle but they need to follow through on what happened at the end? Customers should be given a final accounting of what happened?
Product: Credit reporting, credit repair services, or other personal consumer reports

The error of this charge was disputed and found not valid and was removed off of my XXXX account and XXXX however, its been more than 30 days not being removed off of my Equifax account. 

ACCOUNT : XXXX COMPANY NAME : XXXX XXXXXXXX XXXX XXXX XXXX AMOUNT : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

show XXXX  button XXXX  XXXXDispute XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX filed ftc
Product: Mortgage

We submitted a complaint with your company. Nationstar customer care contacted us and told us we could reapply for making homes affordable even though we got an auction date. Our auction date was XXXX XXXX. We got our paperwork faxed over to customer care at nationstar on XXXX XXXX. By making homes affordable rules you must have paperwork in 7 days before auction. I stayed in constant contact with the representative. On XXXX XXXX I received an email from XXXX XXXX at nationstar that she was going to check on the status of our application. We never heard back from her until XXXX XXXX stating that we had our home auctioned because they never received our application. I have the transmittal showing XXXX pages were faxed on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find so many inaccurate information on my credit report which is in violation of FCRA wherein all should be correct and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we ( my girlfriend and I ) leased a vehicle from XXXX XXXX XXXX Dealership. XXXX of XXXX XXXX XXXX XXXX reached out to us to see if we would like to move forward with an offer where they pay off our current lease and get us into a new vehicle. We accepted and went from leasing our vehicle to purchasing the current vehicle we have with them. Ford paid off the existing lease. We were never late on our payments, yet on our credit report, it states that we have an early termination and showing us delinquent. This is affecting our ability to purchase a home. 

We have reached out to Ford Credit and got documentation that states we have never missed a payment and were offered a special program the dealership had. I also have a document from the Finance Manager of the dealership stating the details of the offer and we were never delinquent on any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account information is inaccurate across the 3 bureau 's XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for anv purpose.
Product: Credit reporting or other personal consumer reports

There are items and and accounts on my consumer report that are a result of identity theft. Consumer reporting agencies, XXXX, Equifax, XXXX are reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental distress, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I believe XXXX, Equifax, and XXXX have not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous and inaccurate items that are being furnished on my consumer report are by XXXX XXXX XXXX and XXXX XXXX XXXX COMPANIES, which both organizations have failed to validate the alleged debt/account. There are no contracts existing between the consumer and the organization reporting these erroneous accounts. Furthermore, my concern is how the organization obtained my non-public personal information. XXXX, EQUIFAX, XXXX, XXXX XXXX XXXX, and XXXX are in several violations of the Fair Debt Collection Practice Act, the Privacy Act of XXXX, the Fair Credit Reporting Act ( 15 USC 1681b 15 USC 1681q ) makes me wonder if they're attempting to conspire to create a false belief the consumer owes such an alleged debt and extortionate the consumer.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I received a letter from Oportun stating if I paid the charge off amount within 30 days of the letter my loan with them would be paid and closed. I paid the amount on XX/XX/XXXX as agreed and now every time I call the representatives as well as supervisors they are stating they have no record of this letter, no record of this debt charge off and that I still owe them. They are still reporting this to my credit as well as calling me continuously telling me that I owe. I also have not received a letter or email stating that I paid the charge off amount that was promised by the representative when paying. I am now feeling like I have to pay more money for a attorney just to have this company honor the agreement
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report.

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for
that complaint is FTC Report Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : TransUnion : 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. Handling Unverifiable Information :
Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft.

Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scammed of my identity last month XX/XX/XXXX. Lost {$800.00} through XXXX XXXX  I reported it in to the bank. I got all the money back. Bank is full aware of my identity fraud situation. Had me change my pin. Nothing more. I didn't report to police as bank claimed they took care of everything. My credit is on freeze and my card wasn't on freeze on XX/XX/XXXX because I was using it to buy medicine. {$750.00} was taken out of my bank. I recieved no alerts, no notifications about this transaction until I atempt to use my card to only find out I was negative $ XXXX. I called in the bank that evening and they told me they will put the dispute in. They said transactions was made in XXXX XXXX which is no where near me and it is done through XXXX XXXX where my account was no longer active. XX/XX/XXXX I went to the branch in person, to tell me that the claim was denied and I need to pay back the debt. At the same time my work check was being direct deposited. I told the bank I need the money for rent and I don't have the money. They told me, I could open a loan account and set up a payment plan and they can help me with loan forgiveness. They continue to tell me that the claim got denied because the " merchant denied the transaction being taken place. '' I spoke with 4 different advocates plus 1 from the branch. They said if i could get a statement from XXXX XXXX  stating account was not under my control and my card was compromised the claim can be open again. I end up calling cash app service and open a case there. Later that evening I called in my bank and they said because " I agree to policy money can't be refunded '' even when I told them and the fraud specialist that i want through identity fraud along with the case XXXX from XXXX XXXX. They never gave me an answer to why none of this was flag and how this individual was able to make multiple transactions overdraft. They told me that my account will be flagged and lock and my card was put on hold and another claim will be open. My check went through XX/XX/XXXX For another withdraw of {$50.00} was made. Despite my card being on hold and me telling the advocates of this inquiry. XX/XX/XXXX I officially made police report. Same day, I went back to the bank again but to a different branch and they also didn't give me answers other than a puzzled look from the experience I had from the other branch. They said they will put the claim in for me which I assume was never done and told them of recent withdraw. They close down the card and is sending me a new one. I have to wait 45 days for response to see whether or not the claim goes through. I'll claim fault if I made the fault but I have been robbed and my bank twice has failed to protect my money and putting me in a situation where I may have to pay back a debt that wasn't used by me.
Product: Checking or savings account

I have a savings account with Capital one. On XX/XX/XXXX, I initiated an ACH transfer of {$88000.00} to my spouse 's account, and the transfer was returned. On XX/XX/XXXX, Capital one initiated a withdrawal of {$88000.00} without my approval or authorization. When I called Capital one customer service, they informed me that my account was already closed, and they refused to tell me the reason and where did the {$88000.00} go. I went to the closest Capital one branch by me ( XXXX XXXX, XXXX, NJ XXXX ) XXXX times, they told me that my account was red flagged and under fraud investigation. Capital one is currently holding my {$88000.00}, and can not tell me when will they give me back my money. The {$88000.00} is originally a transfer from my own XXXX XXXX savings account, originated from my and my husband 's direct deposit salary.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has fraudulently used my address for someone else and the sent the report to me. 1. received a report at my home address for another person 2. no such person at this address 3. correct this now 4. have experian apologize for their stupidity 5. get that person off my address 6. now
Product: Debt collection

XXXX/XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Student loan

On XX/XX/2023, I made a final payment towards my student loans of {$10000.00}. My balance was zero, and I owe nothing more. A few days later the company moved to a new portal and it took weeks for them to show my {$10000.00} payment, because at first they said they had no record of it. 

Finally it is showing but has not been allocated correctly. The portal shows two loans : XXXX : - {$9400.00} XXXX : {$9400.00} XXXX XXXX gains interest every day, and it shows I have an {$87.00} payment coming due on XX/XX/XXXX. Both of these loans should be zero. I have paid everything and will not pay a cent more. I have tried for weeks to contact the company and they never ever reply. Chat is broken. Their email option says they will reply within XXXX days, but they never do. You call them and the robot voice literally says XXXX minute wait time, so you choose the option to have them call you back but they never do. This needs resolved immediately because I am sick and tired of trying to contact this company.
Product: Debt collection

I received a debt collection letter from a disconnected XXXX XXXX service back in XXXX ( 4 years ago ). 

I never once received any communication of further debt owed in between the 4 years. 

I placed the debt collection in dispute with the debt collector and asked that they validate the debt. 

I then contacted XXXX XXXX  on XX/XX/XXXX by chat to obtain written validation of debt from XXXX XXXX. 

I spoke with a representative named XXXX. She confirmed that my account ( XXXX ) was fully paid off 4 years ago. My husband checked his bank statement and found the last payment of {$650.00}. 

I received a letter from the debt collection agency ( dated XX/XX/XXXX and agency I.C. System ) that XXXX XXXX indeed validated the debt and I still owe {$650.00} that was fully paid back in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In account to the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer right to privacy and confidential under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Product: Debt collection

Portfolio Recovery, 1 - 2 phone calls per day in an attempt to collect debt that is no longer on credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company sometimes leave voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in the process of attempting to establish and maintain a positive ; credit rating, score, and payment history ( six, suggested late pays ranging from 30 days to 60 days, some consecutive ) I've noticed that after my account with perfect payment history 's closure in XXXX after a financial fraud was committed on my account and they sent me a card ending in XXXX. Card was replaced twice before. After the data breach of XXXX, CapitalOne Bank 's payment history on my account changed negatively. They also said they will be doing nothing about the matter, that the data is accurate and they can not give me any information on account closure dates. They have me red flagged ever since. I also have been having problems with their customer service agents and pre-qualification tool. 
About the pre-qualification tool first. Three different sites ( XXXX XXXX XXXX, XXXX  XXXX XXXX and suggested I was well qualified for the CapitalOne QuicksilverOne Rewards Card, they offer only to be rejected for the application due to CapitalOne Bank 's corrupt debt handling and collecting practices and policies. Thus, being well qualified? And the tool leaves a HARD inquiry on my credit profile yet suggests no harm to your credit score. 

Lastly, the ambient sounds from CapitalOne Bank 's customer service department was suggesting a pedophile was on the phone stating, " Come on XXXX, can't we grant him a credit card? '' Only to have my customer service agent on the phone with me start talking with an XXXX XXXX accent, followed by a sniffles and laughter. I DO NOT like people trying to discriminate against me, even PLAYFUL ATTEMPTS. The customer service in the background also said that XXXX is a XXXX in XXXX  after attempting to put me on hold. 

THIS IS DISCRIMINATION ( ATTEMPTED AND SUGGESTED ) AND FINANCIAL PROTECTION ABUSE THAT CAPITAL ONE IS ; LIABLE FOR, AND NEEDS TO BE IMMEDIATELY ADDRESSED. 

XXXXCAPITALONE DATA BREACHES XXXX, XXXX, AND XXXX. 
*SUGGESTIVE DEROGATORY REMARKS, SUGGESTED FOR ME, FROM CUSTOMER SERVICE OFFICE ( AND MANAGEMENT ) AMBIENT BACKGROUND AND PHONE REPRESENTATIVE ( S ). 
*CHANGING REPORTED INFORMATION DEROGATORILY AFTER ACCOUNT CLOSURE AND DATA BREACH ( ON STATEMENTS ALSO ). 
XXXX IF ASTERISKS 2 AND 3 ARE TRUE THEN IT'S A PART OF A DISCRIMINATORY GOVERNMENT CONSPIRACY AGAINST ME IN ATTEMPTS TO GAIN FINANCIALLY. CHECK PHONE RECORDINGS CUSTOMER SERVICE AND XXXX XXXX LAST 4 OF CARD ENDED IN XXXX. 
.