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

I received an email from Capital One Auto refinace offer for refinace on autos. Applied online and was approved for a XXXX XXXX. When I contact Capital one as requested via phone at XXXX and spoke with XXXXXXXX XXXX  she stated she needed me to verfiy information with lender which I did and the at the end of the call they confirmed the amount and lender was correct but had the wrong vehicle. She could not get the matter resolved after XXXX mins and gave me another number to call in the morning. I called XXXX and spoke with XXXX and lead person and explained the same thing and either needed to get the correct vin # which was given or remove the hard hit on my credit. she advised I would have to dispute with the credit reporting agencies. I advise this is Capital one error after holding for her for XXXX. This type of operation should be able to handle this issue without putting a customer through this type issue and time. Please have Capital one either get the correct information to process the refinance for the XXXX or have the hard hits on my credit removed on all 3 credit reports. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had set my accounts with XXXX XXXX XXXX  to be on auto pay with my checking account at XXXX  XXXX XXXX. Due to fraudulent activity on my checking account the bank would not pay the credit card bill and charge me an nsf fee. At the same time allowing other transactions to go through with an overdraft fee. The bank picked and choose what accounts to pay on, and did not pay my credit cards. XXXX XXXX XXXX repeatedly marked me as having late payments but it was due to bank error and not my fault. I also have had made many payments by debit card to them and they closed the account according to my credit report when the person on the phone told me the accounts were still opened. 

# XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance XXXX {$1900.00} XXXX XXXXXXXX Balance : {$9400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong info : FCRA violations XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report due to a critical concern regarding my FICO score. This is the third time I am submitting a complaint in regard to the same situation that has happened multiple times over the past year ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XX/XX/XXXX, my credit score with TransUnion dropped XXXX points to XXXX. The score factors indicated were accounts with balances, consumer finance accounts, and seeking credit ( see attachment ). None of these factors are accurate. I did not have any account with balances other than my mortgage, I do not have any consumer finance accounts, and I was not seeking any new credit due to the lack of inquiries during that period of time. While these factors dropped my score in XX/XX/XXXX, on XX/XX/XXXX, my score increased XXXX points to XXXX with the exact same factors mentioned ( see attachment ). Please explain to me why the same factors would give two opposite results and why inaccurate factors are mentioned on my account? 

On XX/XX/XXXX, my credit score through TransUnon was still XXXX, but now instead of negative credit factors, positive factors were mentioned, yet my score did not increase. The score factors indicated that I have no missed payments, limited the use of my available revolving credit, have an established credit history, and shown recent use of credit cards and/or bank issued open-ended accounts ( see attachment ). On XX/XX/XXXX, the credit bureau reported a new factor of too many accounts with balances ( see attachment ). I only have 2 credit cards neither with balances, and a mortgage account. 

On XX/XX/XXXX, my credit score indicated a further decrease to XXXX. The factors that were given were no recent credit card balances, no recent revolving balances, accounts with balances, and consumer finance accounts ( see attachment ). My credit report has no negative accounts or information. How can my score decrease when there was no negative activity ( reported or otherwise ) whatsoever between XXXX and XXXX? I have no consumer finance accounts and it the credit factors mentioned are contradictory. One factor says no credit card or revolving balances and the other says accounts with balances. I have no inactive accounts reported to any of the credit bureaus ( see attachment ). I also have only two credit cards reported and a mortgage, none of which are in delinquency or late ( see attachment ). 

I have contacted the credit bureaus multiple times in the past to inquire why my credit score has gone down without any reason. Not a single customer service representative at any of the credit bureaus I contacted have provided an explanation. Over a 24-year span of building my immaculate credit, this significant drop is catastrophic and is a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lowered score can affect my standing with any reputable financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 alleged fraud or extortion. 
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 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 XX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

I keep finding documents and extra bank cards from Wells Fargo. These statements are showing I am making payments, but the payment was not applied to the account. Example is I was getting paid every two weeks and would send XXXX XXXX XXXX a minimum of {$200.00} every pay. A friend of mine works at XXXX XXXX and I asked her to look into my account history. She said I had made 10 payments and never late. I sent her a list of payments I was showing from the bank statements which included 12 payments that I found. I was missing XX/XX/XXXX bank statement and XX/XX/XXXX bank statement ... the numbers obviously don't match. 

I also found lastnight that I bounced a check to XXXX XXXX XXXX for XX/XX/XXXX rent. Not only was I not aware I bounced but they covered it somehow. Im not sure if they are creating bank cards or how it is being done but I was using XXXX XXXX provided by XXXX. I found a statement and it looks like they were funneling money through this account. I remember I was struggling at the time but this statement claims I had over {$7000.00} I am at a library because everything i have is compromised. Please make this stop I also need the charges related to XXXX XXXX investigated. I dont use it, nor have I ever. 

My student loans are also in need of investigation. I didnt receive those funds. I received a portion but I know I didnt get what is claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Info collected from XXXX XXXX : Acct from National Credit Systems was opened on XX/XX/XXXX. Acct remains open & " joint '' responsibility regarding XXXX XXXX XXXX. 
I have tried numerous times to contact National Credit Systems via phone & email & can not get a response back. Emails go unanswered & phone calls get " transfered '' & voice-mail left time after time & still no response. I also tried calling the apartment complex to discuss any options & was told it was completely out of their hands as they no longer have that account, that it was sent to National Credit Systems. 
There are lots of issues with the entire process. First, the dates are incorrect. Due to covid their office at XXXX was closed for weeks, I had no way of signing the lease the date that is on the lease - I was told to " back-date '' the application. A walk-through was refused b/c of civil as well. So obviously covid was a big deal as it is still referred to as a " global pandemic ''. Due to myself & my roommate ( joint acct ) losing our jobs at separate times we were unable to make the rent. I spoke w/ them about partial payments & they refused- all in full or nothing. Long story short, during covid + I just found out I was XXXX XXXX XXXX XXXX XXXX XXXX  XXXX yes old the complex still somehow still evicted us & charged late fees ontop of other fees during the months. Per the Federal Cares Act late fees between XXXX XXXX XX/XX/XXXX were prohibited + the complex was given a covid relief bailout for renters that were unable to make their rent. So between the dates being incorrect ( dated on a Sun and the complex is closed on Sundays ) on the lease + being charged prohibited late fees + Noone can seem to send me a copy of the lease as well as the bailout they received during the global pandemic & not supposed to be able to evict ppl due to covid I don't understand how this has been an ongoing issue for over 3 years. Noone will answer my calls for information and how I can get this off my report so I can find a place to rent. There are so many inaccuracies regarding this account on different levels that all this negative information on my report is prolonging the hardship that covid started. Federal and state laws were made related to evictions and past due rent etc to prevent this from happening yet it is still being allowed to happen and is very much affecting my credit score as well as my tenant screening report. 
Again, I have tried multiple times to contact National Credit Systems & although they can not contact me back - when I dispute it on XXXX XXXX they can find time to contact them. 
Dates are not correct, charges were added that were prohibited during those months- so many things were done & I need help due to the inaccuracy as well as the negative impact that a global pandemic has caused on my reports and can not find anywhere to rent due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last ( XX/XX/2022 ) that you need my updated email address which is XXXX. It appears that my credit file has been compromised. Again, I was going through my records & noticed the accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

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

After previously filing a complaint regarding the publication of personal credit information, I am following up again, because Equifax continues to report medical collection attempts. These accounts are under the {$500.00} threshold for medical collections ( Medical or health care classification ) and should no longer appear on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now XXXX XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Product: Credit card or prepaid card

CareCredit by Synchrony BankXXXX XXXX XXXX XXXX  XXXX. 

Refusing to refund charges for paid in full XXXX, still sending us bills and threatening to report me to credit bureaus if I don't continue to make payments for services never received and will not receive. XXXX XXXX overcharged, over-billed, failed to bill insurance, cancelled appointments regularly, then refused to treat all patients at their XXXX  part of the " practice ''. Multiple patients have complained and nothing is being done. Office lies about everything and doesn't bill insurance properly, so insured consumer is left with paying for the same treatment twice. Even charged for a " complimentary '' XXXX XXXX essential kit! I would have returned that asap, but I was told it was free and my child used it before I noticed I was charged for it. The whole front office is dishonest and scams its patients. This is why they can't keep honest employees. XXXX  and XXXX  are great, however they always quit once they realize what is going on. I don't know how or why the state has renewed the business license this year. I will also file a complaint w/XXXX XXXX XXXX. Patients are stuck with XXXX  on their XXXX  and without treatment causing further damage to their XXXX  and XXXX  while continuing to bill us and refusing to refund pre-payments already made. My son is stuck with XXXX  on, XXXX  growing visibly skewed. This may affect him for the rest of his life without XXXX. 

I have been an excellent customer for decades with CareCredit and Synchrony Bank and pay my debts in full and on time. I have clearly been abused in this case. When I call, I'm transferred to dead extensions for " help ''. Emails back from the company state they will not reimburse the fraudulent charges. They have refunded me a mere {$220.00}. but expect me to pay for continued treatment of {$1000.00} XXXX they ended treatment XX/XX/21 and refused to give me a referral to a takeover XXXX  ), treatment extension of {$750.00} ( six months beyond the normal 30 months and we've only had a few actual sporadic months of " treatment '' ), retainers {$300.00} and final records {$70.00}. I was told I would receive a big refund by XXXX  staff of a few XXXX at the last appt on XX/XX/21. What a lie. 
However, I am still receiving bills for {$1100.00} in charges, already paid {$2200.00}.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX Account Number : XXXX Balance Owed : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the 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, I found that under section 605b ( a ) XXXX and Transunion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

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

To Experian Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX