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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am a XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX who who earned XXXX reward miles with a Capital One credit card. This was equivalent to a dollar value of {$470.00} for travel purchases. Capital one advertises on its webpage that the miles never expire as long as you do not Close your account and keep it in good standing. Capital One does not indicate what it means by good standing. I live half the year in California and half the year in Vermont. Mail is forwarded between the two states. I just discovered that Capital One closed my account because of lack of activity with the card. I spoke to two members of the customer Solutions team at capital one who said they sent a letter to me in XXXX indicating there was A lack of activity on the account. That letter was sent to California at a time we were in Vermont. We never received the letter. Had we received it we certainly would have made a purchase with the card or redeemed our miles for an airline ticket to keep the account active. Capital one said this was the only Notification that was sent ; there was no other letter, email, or phone call. When I requested that the miles be reinstated, I was told I had no recourse and the miles were permanently forfeited. Both agents said an appeal or escalation was not possible. I would like a replacement of the miles or the equivalent in cash. My account Number was XXXX the expiration date was XX/XX/26 and the security code was XXXX. My name on the card was XXXX XXXX XXXX. Their address : Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX. Phone : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX : Balance : {$110.00} Account Name : XXXX XXXX  # XXXX : Balance : {$9900.00} Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX : Balance : {$74.00} Account Name : XXXX # XXXX : Balance : {$5200.00} Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX : Balance : {$950.00} Account Name : XXXX  # XXXX : Balance : {$6700.00} Account Name : XXXX XXXX XXXXXXXX # XXXX : Balance : {$4100.00} Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 Date of Inquiry XX/XX/XXXX, 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 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 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 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 XXXX Date of Inquiry XX/XX/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.
Product: Debt collection

I was notified by collection on my credit that there was a defaulted lease at an apartment complex in XXXX Tennessee at the end of XXXX through XX/XX/XXXX. I have owned my house in Georgia since XXXX. This debt is not mine. I have tried disputing it, unsuccessfully. 

Debt was reported from Genesis Credit Management in the amount of {$2200.00} on XX/XX/XXXX for a defaulted lease at XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX Tennessee. I have filed a police report with the XXXX XXXX XXXX department in XXXX Georgia, where I reside. 

The complex would not provide me with the documents that they used to lease the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you as no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a certified XXXX XXXX working for a non-profit. Over my years spent XXXX clients, I have witnessed several clients, especially seniors, being taken advantage of by XXXX XXXX XXXX. They do not explain the terms of the contract in terms that the consumer can understand. I often see that they allow their accounts to fall seriously past due before they even contact them to notify them of the client 's enrollment or to " negotiate '' a settlement. 

From what I gather, XXXX XXXX XXXX takes money directly from their checking or savings account, and holds it in an escrow account until there is enough to " negotiate with creditors '' Meanwhile, they let the client 's credit accounts go delinquent for several months or years, thus destroying their credit. I imagine they do this to condition the creditors to accept settlement easier. In the case of seniors living solely off social security, National Debt as well as the creditors know that they can not garnish those types of earnings. It also seems that they only pay one creditor at a time. I called several times to get information on how exactly they use they money they receive from the client to pay their various creditors, and did not get any answers. The reps I spoke with directed all of my questions to their website. 

I have called the company to have the terms and service works. It is incredibly high pressure and incredibly difficult to get clear answers from direct questions. They are very good at " spin ''. 

Also, they claim to be very well reviewed and highly rated with the XXXX. After several internet searches, it seems like the reviews are incredibly polarizing ( love or hate ), without middle of the road reviews. One site either has all rave reviews and others are all negative. The language used in the reviews is incredibly repetitive and there are very few spelling or grammatical errors contained within the positive reviews.This is a major concern because it is my belief that many of these " great '' reviews are in fact false, fraudulent, do not pertain to the services they specifically offer, or are paid content. It seems that the reviews are sometimes reflective of the customer service they received on the phone, but not to the entirety of the debt relief services. The ability to control the market through carefully manipulated internet analytics is a growing concern to all consumers and needs to be addressed immediately.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Inquiry by Capital One Auto Finance Name : XXXX XXXX Company Name : Capital One Auto Finance Inquiry Date : XX/XX/year> Inquiry Type : Hard Inquiry Description of the Complaint : I am writing to formally file a complaint regarding an inaccurate inquiry made by Capital One Auto Finance on my credit report, which I believe is incorrect and unauthorized. The inquiry in question appears on my credit report dated XX/XX/year>, and I have reason to believe that it was made in error. 

I do not have any current business relationship, loan application, or account with Capital One Auto Finance as of the inquiry date, and I have not given permission for such an inquiry to be made. I believe that this inquiry was made in error or as the result of incorrect or incomplete information. 

To resolve this issue, I request that Capital One Auto Finance : Provide documentation or evidence of the reason for the inquiry. 
Remove the inaccurate inquiry from my credit report within XXXX business days, as it appears to be unauthorized or incorrectly placed. 
Provide confirmation that this inquiry was removed or corrected from my credit file. 
Please investigate this matter and ensure that Capital One Auto Finance complies with applicable regulations regarding credit reporting and inquiry practices. I would appreciate a timely response and resolution to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX  was paid off approximately in XXXX of 2024, the collection agency could not provide a receipt. 
XXXX XXXX  credit card was paid off I have the letters but they still show on my credit report Im in a forbearance program with my federal student loan company but they are steady reporting late payments onto my credit
Product: Checking or savings account

Charged many overdraft fees. Causing my account to get closed.
Product: Vehicle loan or lease

Toyota motor credit is activity reporting false payment history information on my credit report on payed off vehicle which is effecting my credit please have them remove this payed off balance this is effecting me to obtain credit and has me at a low credit rating this is currently all false please remove this credit payment history provide me with proof of dates times and of verifiable proof off any money owed or late payed thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the XXXX XXXX  account ( Account Number : XXXX ) on my credit report, which reflects a significant violation of the Fair Credit Reporting Act ( FCRA ). 

Failure to Provide Reinvestigation Details : Upon my dispute of the information reported for this account, I requested a detailed explanation of the reinvestigation process as mandated by 15 U.S.C. 1681i ( a ) ( 6 ) of the FCRA. The credit reporting agency has failed to provide this essential information within the required timeframe. This omission prevents me from understanding how the investigation was conducted and what findings were made, undermining my right to a fair and accurate credit report. 

Given this failure to comply with federal law, I am requesting the immediate deletion of this account from my credit report. I also urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this violation to ensure adherence to the FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Equiufax is reducing my score every time I make a payment on a account, lost a XXXX loan because of there reporting false information, adding credit cards I don't have.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

To Whom it May Concern, I received the attached letter from 5/3 stating my account was overdrawn {$160.00} and counting. I have not used this account in months and left a nominal amount ( believe around {$1.00} or {$2.00} in it ) and now all of a sudden I am overdrawn {$160.00}. I have no access to online banking, I have tried to regain access and it does not allow me to login. Password reset or other attempts are failed even after I provide the required information.

5/3 Terminated my online access and failed to mail me statements for me to even see what is going on with my acccount. Reg E requires periodic statements, especially when there are transactions and/or fees. 5/3 never sent that, but sent me a letter stating I owe {$160.00}.

I dispute that amount owed and any amount of the fees. I am requesting 5/3 advise me what caused the account to go overdrawn, if the charge is valid, then I am requesting 5/3 to honor the charge ( which apparently they have already done ) reverse out the fees because I had no ability to access my account to rectify the situation and I will set up a transfer to pay. Otherwise if I don't recognize charge, I would like to dispute it. I would also like to obtain account access again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit card or prepaid card

Card was charged an air ticket purchase which was not made by me and the credit card company looked into it then came back saying it is me. I want them provide proof it was me but they refused to.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date XX/XX/XXXX, and showing opened on XX/XX/XXXX on XXXX reporting as of XX/XX/XXXX. The last payment was not made on XX/XX/XXXX and is 30 days past due from XX/XX/XXXX reporting late every month from XXXX until XX/XX/XXXX. This is very inaccurate payment history reporting. I should have an active payment history from XXXX. XXXX, Equifax, and XXXX report different Account names as third parties XXXX XXXX XXXX XXXX This erroneous information falsely manipulates my creditworthiness and has destroyed my ability to obtain credit. XXXX failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding the deletion of the following account : XXXX Account number : XXXX.
Product: Credit reporting, credit repair services, 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Product: Debt collection

I mailed a certified letter to Amshercollection services. They have the same physical address under a law firm that they use to intimidate customers. The certified letter was returned to me without being opened. I requested proof of contract to substantiate their claim. I wanted a certified copy of an original contract, with my signature, specifically naming their company as a entity to enforce a commercial claim against me. Fair Isaac Credit Act says all debt has to be 100 percent verifiable.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : EXPERIAN : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I just checked my credit score on XXXX. My credit score was XXXX points and my new updated score is fall by 55 points as XXXX points now. I am good with pay off my credit card on time. I never miss any payment. When I checked details of credit report.And, I got to know that someone pulled my credit report without knowing me. The company name is TD auto finance. Please help me to get my credit score back. It is supposed to go higher this period. But it falls below 55 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have breach alerts & i have filed a idenity thieft report in XXXX county alalbama police departmart! i have looked on my credit alerts this early morning and i see so much stuff that is no way connected to me!