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

Seventh avenue catalogue order account is reporting that my account with them is XXXX payments behind and I have been making payments for months. Because of their consistent revolving dates of inconsistent payments I am suffering credit accuracy in all of my credit reports due to the continuous reporting from Seventh Avenue catalogue. I am filing a complaint as to the accuracy, prejudice I really believe is behind the reporting.
Product: Credit card

Capital one restricted my account on my credit card. When i called in to find out why they stated they had to verify my bank account that i was making my payments out of. I was forced to send and upload photos of my id, give my full ssn and date of birth. they then stated that they needed to call my bank to get verification that i am the account holder. I was forced to give my personal account number over the phone with capital one listening in. My bank asked if i felt safe doing this and i stated no i don't, My bank asked if they could call me on another line to verify my personal info and capital one told them no i can't do that. Capital one then stated that if they can not verify me as the account hold my account will remain restricted and I would not be able to make any payments on the account or use my account until they confirmed I was the bank account holder. I felt completely violated. This was an over step on capital one. I was forced into doing this otherwise my account would laps and cause issues with my credit the same account is also linked to my car and would have my car getting reposed because i would be unable to make payments on that account. When I asked why they are doing this now after i have used the same account for years to make payments i was told it for my safety. At no point do i feel safe. In face I feel violated by Capital One and what they did. I am now going to my bank to close all my accounts and reopen new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX spoke to an agent about inquires that where removed and placed back on they stated it was accurate which it was not called XXXX times and they kept giving me the run around. I 've sent in the proper documents and still no results.
Product: Credit reporting

According to my most recent credit report, Factual Data at XXXX XXXX XXXX XXXX XXXX CO XXXX is currently reporting to the XXXX credit bureaus that I applied for credit in XXXX 2014. I did not give authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. Having these inquiries are adversely affecting my credit report and is impeding my ability to obtain necessary credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up of the previous CFPB complaint I submitted to the Credit bureaus requesting the removal of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. I also sent another Dispute letter last XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File, My dispute letters has complete attachments of my personal information as well as the IDTHEFTREPORT I received from the FTC. I have been disputing for the removal of the fraudulent items and yet the Credit Bureaus have done nothing. Once again, I need the following accounts and information removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX CT XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX A XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Product: Debt collection

On XX/XX/2021 I attempted to resolve a debt with Capital Management Services. The debt was taken on from XXXX XXXX. I wrote them and mailed two letters which they failed to respond to within the allotted time. Because they failed to recognize and respond to my letters, I am asking for the debt to be removed both from my history, and my credit report. 

The amount that was owed was about {$5500.00}. I attempted to settle, and they attempted to charge me twice. After learning that I didn't have verification I attempted to request it in the two letters ( as stated above ) and called their offices. I received no response. 

I would like this amount removed from my credit history and report.
Product: Credit reporting or other personal consumer reports

I have been disputed information on my credit report with Experian for the past 2 years. Every dispute after submitting a copy of my Driver 's license, SSN and address verification. Experian continue to send me a letter to verified my identity and insisting that the address on my credit report is actually a new address that need to be verify. This company is using tactics to prolong the matter as long as possible with rectifying and reporting accurate information. I need information that you have to continue insisting in reporting accurate information compare to XXXX and XXXX. 
I have attached the letter they keep sending me whenever I placed a dispute for the past 2 years, and then after 30 days another letter is sent that information was verified which is incorrect and accurate because no investigation is perform. All reporting agencies obligation are to report verified and accurate information but Experian continue to insist on reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX Balance XXXX {$2400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXXBalance : {$530.00} XXXX  XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance XXXX {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$17000.00}
Product: Credit card or prepaid card

I was a customer of XXXX XXXX XXXX XXXX XXXX program, that automatically rolled over to Barclays XXXX XXXX XXXX XXXX in late XX/XX/2022. 

I received email notifications of this transfer, however I DID NOT RECEIVE MY NEW CARD, CARD MEMBER AGREEMENT, NOR ACCOUNT INFORMATION by the close of the new billing cycle on XX/XX/2022. I believe I was still able to access my account balance from Synchrony, and when I called Barclays, the tele-banker could inform me of my balance, however she could not accept payment via telephone, nor could I establish an account online without the full account number. As a result, no payment was made! 

I was assured REPEATEDLY that I would not be charged given I had not received my account information, and IN-FACT, my card was not supposed to necessarily have been received yet (! ), it was showing that the mailing window of 7-10 days had not yet been reached. 

When I was finally able to access my account, by late XXXX, there were, of course - LATE FEES AND INTEREST CHARGES. I contacted the bank, as there also appeared to be charges from unrecognizable vendors. 

By the time of my next statement ( XXXX ), no actions had been taken to resolve the original LATE FEES, nor interest charges, nor had there been any communications regarding the reversal, then re-charging of the questioned fraud I had reported. 

I wrote to the bank via their online messaging center, the issues were still not resolved, and I was told that because I had not made the payment by the due date ( no matter what had happened ) I would have to pay interest fees and late charges. 

By XXXX statement, I was fed up - I closed the account, reconciled the fraudulent charges myself, determined the balance less the late fees and interest, paid-in-full and am still waiting for the bank to reverse their charges due to THEIR ERRORS and FRAUD. 

Currently, my account is closed, all charges are paid - and now I am being charged interest only on ALL of the fees and interest DUE TO THEIR ERROR and inability to properly address the issues. 

PLEASE HELP
Product: Credit card or prepaid card

On XX/XX/XXXX I enrolled in Account Assure, an account protection program for my Express Next Card issued through Comenity Bank. The fee for Account Assure is {$1.00} per {$100.00} of my monthly statement balance. Per the Account Assure Terms and Conditions the program is an optional addendum to the Credit Card Agreement for my Express  Card. Eligibility Requirements state that subject to the Terms and Conditions I as the primary cardholder may be eligible for an involuntary unemployment benefit. Accordingly to be eligible I must have experienced an involuntary unemployment for at least 30 consecutive days from the Date of Loss, including the Date of Loss. Furthermore, in the event of involuntary loss of Permanent Full-Time Employment I must have been engaged in Permanent Full-Time Employment on the Date of Loss. In addition, my loss of XXXX XXXX must be due to Involuntary Termination. As such, my employer must have been required to make contributions for my employment to the state unemployment insurance fund. On XX/XX/XXXX I became involuntary unemployed from my employer due to the economic impact of COVID19. Based on this eligibility I filed a benefit request for involuntary unemployment with Account Assure on XX/XX/XXXX. After filing this request I received a benefit form to complete. Upon review of the form it included an Employer Verification section to be completed by my former employer. On XX/XX/XXXX I spoke with two representatives through Account Assure and advised that my employer was unable to complete the section as the company used an external payroll software provider for employee verification ( i.e. date of hire, payroll stubs, etc. ). However, I was provided a letter on company letterhead stating I had been involuntary terminated due to the economic impact of COVID19. In addition, I had verification of my unemployment benefit statement. According to the two representatives my benefit would be denied because the letter provided by my employer did not meet the requirements as it failed to state my date of hire and number of hours worked. However, in the Required Documentation section of the Terms and Conditions it stated " in the event the cause of unemployment provided by the state unemployment office and the employer contradict each other, the state unemployment office information shall overrule the employer information. '' It appears the " cause of unemployment '' is sufficient. As a result of the verbal information I was provided on XX/XX/XXXX I made the decision to close my Express account with Comenity as the program is misleading and makes it difficult for customers to request a benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my date of birth wrong. I have sent in copies of my Driver 's license, SS card, passport, utility bill, via certified mail 3 times and once via regular mail I have been asked a 5th time to send in my DL. I can not do anything online as my DoB is wrong- I do not match. i have also requested where did they get this wrong information and why not corrected? no answer no correction, just a 5th request for DL. 
XX/XX/XXXX letter on error and copy of all documents requested. 
XX/XX/XXXX certified mail to equifax on errors and all requested documents XX/XX/XXXX certified mail to equifax on errors and all requested documents. 
XX/XX/XXXX certified mail to equifax on errors and a 4th copy of my DL and SS card XX/XX/XXXX A letter from equifax stating that results of their investigation to send in a copy of my DL to correct my DoB. I have proof that all 3 certified letters were received. 
I have no response as to where this misinformation or how determined as I requested. 
XXXX  & XXXX have all information correct. Only Equifax will not delete/ correct wrong information as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has continued to ignore my request to block fraudulent inquiries. Someone has been using my information to apply for credit without my consent. I have taken the necessary pre-caution and asked for a fraud alert but it has not been very much help. Ive sent several letters to Trans Union with a copy of my identity theft affidavit and Trans Union has not helped remove these inquiries. These inquiries are fraudulent and need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On average I have called them 4 times a month because XXXX constantly kept taking out a payment from my bank but a week later it would be refunded with no record of a withdraw or refund and they would claim that I never paid it. Then my {$200.00} dollar payment would be {$1000.00}. 

On top of that they have constantly recorded information incorrectly. In XX/XX/2018, I had called 12 times because someone had typed in my account number wrong. 12 times they told me it was fixed. They lied everytime. They have even lied about their office hours and have given me fake phone numbers to contact them. They are despicable XXXX XXXX. They use illegal tactics and tons of fraudulently information and I want my loans transfered to another company. I have been put through a living XXXX with these XXXX XXXX. My own mothers credit score was hit with 100 points because they faled a missed payment. I am barely scraping by and these people deserve to be in jail.
Product: Debt collection

I have received a collection on my credit report from LVNV Funding LLC. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$640.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. I dont even have an account open with this credit card company so please remove it from my account. It is not mine nor anybody i am associated with. Sincerely XXXX XXXX XXXX
Product: Checking or savings account

I made two mobile deposits some funds were available immediately as normal. I received a email verification of the deposits. Four days later the check deposits were gone online. Citibank never notified me. When I called all they said was there was a problem with their system and I was to check the account periodically. I asked for a time period and I was told by an overseas operator just to check my account it was very difficult to understand the operator. I normally have funds available sooner than this also the deposits not ever showing up is troubling.
Product: Credit reporting or other personal consumer reports

Experian has a address I never stayed at which is XXXX XXXX XXXX XXXX XXXX XXXX I sent in my Identification and a mail an its still not updated also they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called multiple times and its not correct my address is XXXX XXXX XXXX XXXX XXXX XXXX I cant get my XXXX scores updated because of this
Product: Payday loan, title loan, personal loan, or advance loan

They were taking {$99.00} out of my account every other week. Only {$24.00} was coming off the principal but the amount due was going up daily surpassing my limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to dispute and this is my second complaint regarding Equifax, XXXX and XXXX. XXXX send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. XXXX is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from XXXX. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX account XXXX, has violated my right. 


15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written isntructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

They took longer than 30 days to get back to me. I submitted a dispute on XX/XX/XXXX to dispute the inaccurate and incomplete information that Equifax furnished on my report. After getting the generic it is verified letter, I then submitted a CFPB complaint because Equifax has continuously decided to break federal and state laws, especially 15 USC 1681 and that is just naming the one I know most about. They have continuously changed information from month to month and they have not bothered to do a real investigation like the law says. I have a detailed list of violations that Equifax has racked up while doing and reporting whatever they want. 

They also mention in another complaint, after 45 days of NOTHING that the information I presented does not match what they have in their records which shows to me that there is a CLEAR MIX UP or there is no way they did an investigation in the past, because how can they report information without even knowing it is me. I submitted a complaint on XX/XX/XXXX and they responded back on XX/XX/XXXX, asking for more information. They would not need this information if they did the investigation they say they did. They also had a data breach in XX/XX/XXXX, which is when this information started reporting on my account inaccurately. This is my final attempt before I look to have a lawyer assist me in court for violations and damages afforded to me by federal and state laws. I will use these violations to possibly collect the maximum amount of damages afforded to me under the process of the law and I do not settle.
Product: Vehicle loan or lease

I am filing this complaint regarding seven late payments and a repossession reported on my credit report for a vehicle that is now paid off with Navy Federal Credit Union. These inaccurate and unfairly reported items are preventing me from obtaining a new vehicle, and I would like the matter to be investigated and resolved. 

On XX/XX/XXXX, I contacted Navy Federal and spoke with XXXX, the manager on duty in the auto loan department. I requested a detailed letter ahowing my payment history for my vehicle loan. She stated that she would send it and I never received the letter. I also requested the phone number to repossession depaetment She provided me with a phone number for the repossession department. However, when I called that number, it was incorrect, and I had to be transferred again to the actual repossession department. 

On XX/XX/XXXX, at XXXX XXXX, I spoke with XXXX in the repossession department and explained that the seven late payments and the repossession on my credit report are preventing me from obtaining a new vehicle. I informed XXXX that I was in and out of the hospital at the end of XXXX and most of XXXX, and due to my medical condition, I had no one to make payments on my behalf. Prior to late XXXX, I had an exceptional payment history and never missed a payment. Additionally, after my car was repossessed, I redeemed it the very next day and never missed a payment again. 

I also have a history of financing a previous vehicle with Navy Federal Credit Union, during which I never missed a single payment. Despite this strong history, Navy Federal inaccurately reported inconsistent repossession dates across credit bureaus, violating my consumer rights under FCRA consumer law 15 USC 166B : XXXX and XXXX show the vehicle was repossessed in XXXX and XXXX. 

XXXX reports the repossession only in XXXX. 

This discrepancy is inaccurate and unfair. Since I recovered my vehicle the very next day, this means I paid what was owed at the time, and the repossession should never have been reported in the first place. 

I requested Navy Federal Credit Union to remove the negative marks as a goodwill adjustment, considering my longstanding exceptional payment history and the extenuating medical circumstances that led to my temporary hardship. However, they refused to assist me, despite my proven track record as a responsible borrower. 

This is no way to treat a valued customer who, despite facing life-threatening health issues, still managed to bring the account current as soon as possible. I am formally requesting that the CFPB investigate my case and have the seven late payments and repossession status removed from my credit report due to their inaccuracies and inconsistencies. 

Please let me know the next steps in resolving this issue. I appreciate your time and assistance.
Product: Credit reporting or other personal consumer reports

I HAVE NO KNOWLEDGE AND HAVE NOT AUTHORIZED THE FOLLOWING INQUIRES. MY WRITTEN CONSENT WAS NOT GIVEN XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXXY XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Please reopen case XXXX, Nothing has been resolved by the company 's response.
Product: Debt collection

I received a letter from a collection agency for a debt that I don't owe. This is fraudulent and I have attached a FTC Affidavit and I want the collection account removed from my report as fraudulent
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 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. 
The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX Loan account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}