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

When I review my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate and investigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 accounts below : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX BANK Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The account were closed due to fraud & is damaging my credit want removal of the credit account with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( " XXXX '' ) improperly reports an amount assessed after the termination of the lease, as an unpaid loan, which impacts the credit in a more harmful way than if the item would be properly reported. 

At the termination of the lease, the lessee has to return the vehicle and receives a lease termination statement, from the dealer where the vehicle is returned. The dealer reads the odometer, looks at the overall condition of the car, inputs the data into the system and generates a statement showing the amount to be paid in case of returning the car and a buyout proposal. 

In my case the value of the amount owed if returning the car was XXXX ( XXXX ) and the buyout was the residual value of the car. The dealer mentioned that any extra mileage fees will be waived. I opted for the return of the car and received a statement in writing showing a XXXX dollars owed to XXXX. 

Unbeknownst to me, the amounts were not accurate. XXXX assessed a {$5000.00} amount based on additional mileage and opted for reporting the amount to the Credit Bureaus as unpaid loan. This foreclosed any possibility for me to obtain another car lease for 7 years. 

The proper way for XXXX was to post the loan as paid in full, as showed in the document obtained at the end of the lease, and the {$5000.00}, as a collection item. The collection item would influence my overall credit, but it would allow me to obtain another car lease. 

I believe that adding the {$5000.00} at a later point is fraudulent, as the amount would have greatly influenced my decision to purchase the car rather than return it. 

By improperly reporting the item XXXX are trying to extort an amount that I believe it is not due to them. Rather than trying to adjudicate the matter in court, they are choosing to miss-report in an effort to unduly obtain the funds. 

I have contacted XXXX, but the representative was unable to understand what is issue is.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX  I entered into a debt settlement arrangement for multiple debts via XXXX XXXX. Majority of my accounts are now settled and have been paid in full. Two accounts remain that I am paying via a direct debit from my account every two weeks, which is added to an account with XXXX, and from XXXX, they send payments to the two creditors that I have settlement agreements with. 

Both of these companies are reporting to my credit as being in collection and delinquent. However, they have been in a settlement and repayment status for over a year. Most recently, the larger of the two appeared on my credit report and caused an alert to come up at my job. I have tried disputing the information via my credit report, and I have also sent letters to the companies requesting that they cease reporting this information as it is inaccurate. It is quite frustrating to be doing everything I am supposed to be doing, holding up my end and making my payments to make these things right, only to be harmed and put under question in my career due to false information being reported. How can these companies claim I am not up to date, when I have a company submitting payments to them regularly? Even when I uploaded the proof that they are in active settlements to XXXX, the results remained the same. What is the point of me having been in this program for XXXX years now, getting charged all this money every month, to be treated as if I have simply ignored the debts and be punished as if I blew them off when that is the farthest thing from the truth? I sincerely hope you can help me get this resolved. I am more than willing to escalate my complaints to the state Attorney General 's office as well if that can help me. I have attached a copy of my XXXX  XXXX XXXX  summary which I have highlighted the two accounts in question, one with Calvalry Portfolio Services, the other with XXXX XXXX, which shows the original balances, the settlement agreements with fees and what I currently owe as of a week ago.
Product: Money transfer, virtual currency, or money service

They suddenly came back and re-charged me for all of my previous purchases on my debit card, resulting in being charged twice for every single one. Since XX/XX/XXXX, I have purchased exactly {$500.00} worth from Coinbase using my XXXX debit card. You will see in the screenshots, that I was charged a total of {$2000.00} within the past 2 days.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

My debit card was duplicated and used fraudulently at a post office made  XXXX  money orders in the amount of {$4900.00} on   X/XX/2017 . I f iled a police report and a report with the postal inspector. Chase denied my claim first they said my card was used and swiped with my pin number because that day the machines were down to use my pin. I escalated the call now they are saying it was a chip on chip transaction. I filed another claim to reopen my case and now they are saying  XXXX  out of the  XXXX  transactions are correct. All the  XXXX  transactions were done at the same time all together. I asked them how is it possible to claim  XXXX  incorrect and not  XXXX  when the person did it all together.
Product: Debt collection

A collection agency entitled FCR Services contacted me via email identifying themselves as a collection agency working on behalf of The XXXX XXXX ( a translation services company ). FCR claimed I owed {$200.00} that they were attempting to collect. The amount in question was for services that were not delivered as promised and I settled with the XXXX XXXX, paying them {$100.00}. I informed FCR to that fact and send them copies of the payment document.

Nearly a month later, they sent another email once again attempting to collect the original {$200.00}, showing no acknowledgement of the proof of payment I had sent them. I then called the XXXX XXXX who informed me that they are not working with and have no knowledge of any collection agency working on their behalf and that my account was settled and closed. I recorded the conversation as proof. 

I then called back FCR services who offered to put my name on a do not call list, but said my account would remain open. I believe they are misrepresenting themselves and somehow got wind of the disputed amount, but it is obvious they are misrepresenting themselves as agents for The XXXX XXXX.
Product: Credit card

Wells Fargo sent me a letter telling me I was " ..among a select group of valued customers receiving an automatic upgrade to the Wells Fargo Signature Card. '' It went on to explain that this " upgrade '' would happen without any input from me, and listed " benefits '' none of which were actually of any benefit whatsoever to me. In fact, there were changes in the fine print to the minimum payment calculation that would be detrimental to me under certain circumstances. I am complaining because 1 ) the claim that this is an " upgrade '' is totally fraudulent ; 2 ) the change was made unilaterally- rather than asking me if I would be interested in the change, I was informed the change would be made automatically unless I made a phone call, costing me valuable time for no good reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit report and noticed there are numerous errors regarding XXXX XXXX XXXX. I see that the last active dates are different. Dates of last payment are different. On my XXXX report it has been reporting C/O and on my Equifax the payment history doesn't match. From my understanding under the FCRA all info on my credit report must be 100 % accurate. There are 2 accounts that are reporting the same mistakes. I have not received a 1099-c regarding the charge off for both of these accounts neither. Dispute letters have been sent and nothing has been resolved to fix this.
Product: Credit reporting or other personal consumer reports

I am sending this complaint as a follow up to once again asking for assistance to request the Experian and XXXX Credit Bureaus for the removal of inquiries from my credit reports. I realized that these inquiries were made in error or without my authorization. I understand that inquiries on my credit report can impact my credit score, and as a responsible consumer, I strive to maintain an accurate and positive credit profile. Therefore, I kindly request your assistance in promptly investigating and removing these inquiries listed below from my credit report. 
EXPERIAN : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This student loan was in a repayment plan up until XX/XX/XXXX when I was told that the remaining debt was considered satisfied for less than the full balance following the plan completion. My parents received collection letters beginning in XXXX for an outstanding balance but I was never directly contacted. When I contacted Aspire Servicing Center about an outstanding balance of over {$1100.00} spanning 3 accounts in XX/XX/XXXX, I spoke with a representative and informed them that I had already paid off the balance following a repayment plan ending in XX/XX/XXXX. At that time, Aspire informed me that their legal team would investigate the account. Upon completion of the investigation, they informed me they would cease collection activities. I did not pay this account off in XX/XX/XXXX since it was already paid off as of XX/XX/XXXX, so the credit reporting incorrectly reflects the account as in a collection status from XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX credit card that is paid off, I have a new milestone card that is paid off as well. They took over XXXX points in a 1 week. Even when paying my minimum. Now they both paid off.
Product: Credit reporting

On XXXX XXXX, I sent Trans Union a letter requesting that they correct errors on my credit report. Over thirty days have passed, and I have yet to receive a response of any kind.
Product: Debt collection

Diversified Consultants, Inc ( DCI ) tried to collect on already invalidated, declared fraudulent account with XXXX XXXX. I have never owned a XXXX Phone or device in my life. I do not own this account and filed all the appropriate paperwork with XXXX and DCI to dispute the incorrect association of my name with this company. Both comapnies have assured me that I am not associated with this fraudulent account but DCI still filed a negative amrk against my credit today, XXXX/XXXX/XXXX. In violation of the Fair Credit Reporting Act and also in violation of the Fair Debt Collection Practices Act, they began making harassing phone calls in XXXX of this year using an auto-dialer to my cell phone, which I finally had to block. I sent them a " validation letter '' and they never replied. 

I just sent another, certified mail this time. I have now filed a complaint against them with the Georgia Division of Consumer Affairs, the Better Business Bureau of Georgia ( against DCI ), and against XXXX XXXX with the FTC 's Bureau of Consumer Protection. 


This is a lot of hassle they are putting me through for {$2100.00} that I do n't owe. They assured me the account was not associated with me any longer after following all the stops. If they do not remove the mark, my next step is small claims court here in Georgia for : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I will seek punitive and statutory damages and an injunction against them illegally re-aging debt in our state.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i upgraded my Equifax membership after i received notification and a confirmation number that the previous disputes about addresses that did not belong to me were all removed.

On XX/XX/XXXX i attempted to dispute inaccurate information on my report when i noticed the same addresses that were disputed and removed reappeared along with an unauthorized hard inquiry that was also dispute. 

On XX/XX/XXXX at approximately XXXX XXXX, i called Equifax about those addressing and an unauthorized hard inquiry being reinserted back on my credit report less then a month after their removal. 

I spoke with several different employees that continued to bounce me around to about 4 different employee telling me its nothing they can do, from caller to caller until i final ask for a supervisor, she told me her name was XXXX I explained the situation but she was unhelpful, i ask her why were those addresses reinserted or not removed from my report, i provided her the confirmation number for that removal. 

Supervisor XXXX said the addresses were my previous addresses i told her those addresses do not belong to me. Then she ask me if the address were fraud, i told her i do not know, because they are not mine, then she ask if i thought it could be someone with a similar name as mine, i told her i dont know, i want them removed. 

Supervisor XXXX said she cant remove the addresses because its tied to a creditor, i ask her for the creditors information she said she cant give out that information, i repeatedly asked her who is the one reporting these addresses, who is the creditor, she said she cant give out the information ... so i told her i believe is a computer glitch by Equifax. 

Supervisor XXXX said its not a glitch, i then asked how can you report addresses on my report and not provide me with the creditor who is reporting them. Supervisor XXXX kept repeating over and over i cant give you the names of the creditor. Between me getting bounced from employee to employee the call lasted about 1 hour and 34 mins.

I wanted to add i was told by 3 different employees and Supervisor XXXX that i can not dispute a hard inquiry with Equifax even through Equifax provides a dispute page for hard inquires. I was told i need to wait 2 years even if the hard inquiry is not authorized. 

After a frustration long call i ask to speak with her supervisor, but she said its her manager. I was left on hold for 17 mins and no one ever returned, just left me on hold.
Product: Credit reporting 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 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. Account Name : XXXX XXXX Account XXXX. XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) Account XXXX. XXXX. Account Name : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account XXXX. XXXX Name : XXXX XXXX XXXX Account XXXX. XXXX XXXX : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) Account XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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.
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. 

OK Student Loan Authority, has violated my rights. These are the accounts I demand removal Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 a 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 reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  XXXX XXXX Opened : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} Charge-off XXXX XXXX XXXX Opened : XXXX Balance : {$19000.00} Late-Open
Product: Checking or savings account

On XX/XX/XXXX my debit card was lost, I reported it lost/stolen received a new card on XX/XX/XXXX. Phone was also lost XX/XX/XXXX returned XX/XX/XXXX. Realized on XX/XX/XXXX XXXX zelle transactions that I did not approve of XXXX and XXXX were send to an unknown recipient. Called my bank to report fraud. Will get back to me 10 business days, no word. I called XX/XX/XXXX They denied my report due to no proof. Called XXXX to get some type of information. It is against the law for them to provide any info. Chase refused to help and denied my refund as of XX/XX/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 USC1681 Section602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reportingagency annot furnish a account without my written instructions.

15 USC 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.
Product: Credit reporting or other personal consumer reports

TransUnion shows that I took out XXXX loans from XXXX instead of XXXX, and effectively doubling the amount I owe and ruining my XXXX XXXX. I assume this is reported XXXX  because of the move to a new online platform. Be that as it XXXX, this has severely affected my XXXX XXXX through no fault of my own. 

I have yet to hear a response from XXXX.
Product: Credit card or prepaid card

I constantly get the following message when I access my Capital One Credit card app : " Receive a statement credit up to {$100.00} on your next hotel booking through Capital One Travel. * '' Good until XX/XX/2023 I got the message today and when I called, I finally was told that the offer had gotten used up, that it is only good for a certain number of customers. 

When trying to book this travel, the system would not let me book the travel saying that my credit card information was wrong. I spoke Capital One, they assured me that the problem was fixed, they transferred me to their travel department ( this is a separate entity that does business as Capital One Travel. The inability to book the travel due to system glitches entailed multiple transfers from Capital One to Capital One Travel. Each time, they assured me that they would resolve the problem. After two hours of this, I was told that the {$100.00} offer was only {$25.00}. I have been a good customer of Capitol One, always paying on time.
Product: Debt collection

Debt XXXX radius global solutions llc amount {$520.00} XX/XX/year> requested full detail list of payment history, requested original signature of contract for this creditor change of title to collect on debt
Product: Credit card or prepaid card

My capitol one credit card account was hacked, including online access. 
They made fraudulent charges and changed user information, effectively locking us out of managing the account. 
Capital One will not resolve the issue since they are claiming they can not prove that the account is mine. I have submitted all the required documents ( social security card, ID, mortgage and bank statements, household bills, etc ) but the addresses will not match since the fraudster changed all the addresses. 
They will not offer any other solutions to resolve the problem.