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

On XX/XX/2023 I disputed several accounts on my report with XXXX, XXXX, and Equifax. Each of these Bureaus are reporting closed accounts with current open balances and current late payments. I disputed each of these accounts with all 3 Bureaus as I have no knowledge of these accounts nor am I responsible for any of these accounts. All 3 Bureaus claim to have investigated and replied online that the accounts were verified as belonging to me. This is false and inaccurate and in addition to that all 3 Bureaus continue to report late payments as well as open balances listed under original creditors with late payments as of XX/XX/2023 on one page, then on another page stating that I dont have any open accounts. They are also reporting accounts listed as in collections and charge-offs with the original creditors as well as the collection agencies. Ive also been informed that I can not dispute further on these accounts because its been determined that these accounts are mine although I continue to deny knowledge of ANY of these accounts. By these Bureaus continuing to report in such way they have caused and continue to cause hardship for me due to their false reporting and taking someone else 's word for these accounts that I deny knowledge and responsibility of.
Product: Credit card

Please see the complaint number below submitted XX/XX/XXXX for full complaint details. Additional requests are as follows : XXXX Please advise the underwriting criteria for the balance transfer offer as I would be surprised if a XXXX credit score is to low for this offer. Balance transfers are generally a tool to help those in debt relieve it, people in substantial debt don't have XXXX credit scores which leads me to believe this is a tactic to pull people in with no intention of furnishing the offer. 

Please advise what action was taken to review the 4 different calls I had where I was advised I did qualify for the 0 % APR on transfers. Please also advise how you may assist me or make me whole for this misinformation. In my opinion, the only way to make this whole is to provide me with the balance transfer option I was advised multiple times I was approved for and was showing on my account. 

Lastly, the statement is made that I had the opportunity to decline the card. I did not. I applied, it said it was approved and then I received an email with the details. I was at no point provided with the opportunity to review the offer and decline or accept. 

There are clear UDAAP violations here, Advertising and Marketing violations, and TILA violations and the disclosures around the promotional offer were not clear. I received an offer for a card, a pre-qualification. My credit card is significantly higher than it was when I got the first card. Capital one may be seeking to brush this off with the simple provision of a document, but that is not going to happen here. My next step is to bring my lawyer in to sue for the misinformation clearly provided by phone on multiple occasions. 

Should Capital One maintain its stance to not provide me with the offer I should have qualified for and was advised multiple times by Capital One employees, specialists in the balance transfer, that I was qualified for? I will seek legal action on principal alone as I no longer even need this balance transfer. These business practices are very deceptive and unprofessional. The CFPB should initiate an examination into your practices as the presence of multiple calls telling me I am qualified alone is grounds for furnishing the acceptance of the 0 % APR offer. 

I would like to know if Capital One reviewed all of the calls and it is their position that they do not care what was relayed to me in the calls. 

I would like copies of the call recordings furnished through the CFPB. And I would like to see the underwriting criteria for the balance transfer offer.
Product: Vehicle loan or lease

# XXXX with Santander consumer Usa XXXX XXXX XXXX on XX/XX/XXXX XXXX : XXXX XX/XX/XXXX began 1st monthly payment of {$310.00} I file a complaint against Santander Consumer Usa because i think this bank has been unfair and misleading against my loan and my credit report. 
First when i realize that the rate was very higher ; the same day XX/XX/XXXX, i try to return the car but the dealer ( XXXX XXXX ) refuse to take back the car. And since then i keep paying and dealing with a bizarre and unprofessional company Month ago, I was very surprise after calling to request the status of my loan and their customer service told me that " i have request an extension in XXXX '', that's why my loan have been extended. I never request any extension on my car loan. Since i get a loan from this bank, i used to have bad experience and i never complaint against that. But this time, they are going so far to use unfair practice with my account and without any clear explication It's unethical and very shamefull.
Product: Debt collection

The collection company, DIVERSIFIED CONSULTANTS, is saying that I owe them an amount of {$870.00}. I have no knowledge of this account. I asked them to validate this amount and I have not been provided with evidence nor a detailed explanation stating the reason behind this amount. Ive disputed this amount directly to the collection company two times in 2018, once on XX/XX/XXXX and the second time on XX/XX/XXXX. According to the Fair Debt Collection Practices Act, Section 808 : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. Any collection fees or interest that have been added by DIVERSIFIED CONSULTANTS is unlawful and they should not be reporting this amount to my credit this way.
Product: Prepaid card

I filed a complaint to the CFPB On XX/XX/XXXX, # XXXX. This is it : YOUR COMPLAINT I have received a {$500.00} American Express gift card as a Christmas gift. I have not been succesful in buying products and using it. I was able to make XXXX purchase from XXXX but now it doesnt work at XXXX XXXX Ive tried using it at XXXX XXXX, XXXX 's, XXXX XXXX with no success. I am not able to go search for retail outlets that may accept this card at this time as I am at home. XX/XX/XXXX the card was purchased from a grocery store. XX/XX/XXXX XXXX card declined " missing security code '' {$140.00} XX/XX/XXXX XXXX -successful purchase -woo hoo {$20.00} XX/XX/XXXX XXXX XXXX  Declined XXXX missing security code '' {$35.00} Many Times on XXXX I tried and it was declined and purchases go back to default payment. XX/XX/XXXX XXXX XXXX declined {$450.00} XX/XX/XXXX balance left on the card {$470.00} I would like to use this card, but where is it accepted. I assume Amex makes it difficult to use in hopes it wont be used and they will make money off of these cards. As I read online such as XXXX, it seems like many are having issues with the AMEX gift cards. Almost no where can they be used. So I am hopeless on how to use this gift card. 


... Now I received an email on XX/XX/XXXX from American Express saying they will refund by check my {$470.00} but I have not seen this check. 
I have called several times to American Express gift card support but I am not successful in obtaining a refund .I am told I need a case number yet I am not given one. I have called on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX. Each time I am on the call for 45minutes or more. I'm told to call back again etc. I would like to receive a refund for my unusable gift card.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went on XXXX to check my credit report because I was declined by XXXX when I tried to open my very first credit account. I find that someone used my information to open a Bank of America credit card in XX/XX/XXXX and failed to pay off credit card debt. Hence, Bank of America closed the unauthorized account and is charging me {$940.00}. I notified other credit bureaus and Bank of America, and filed a police report.
Product: Credit reporting or other personal consumer reports

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from XXXX reporting or misunderstanding of my financial history.
Product: Debt collection

DCM services has not stopped contacting me, regarding my grandmothers debt that was owed. My grandmother left me everything in her Will and executor of her Will. She didnt have money, just a little house she worked her butt off to get. Now I own the house, and this company DCM services has not stopped bothering me and threatening to take my house that I inherited to pay a XXXX debt, which in my opinion is a write off. I have no other choice but to settle this debt myself. Which is not good for me, because my job was affected due to covid 19. Now Im finally back at work and DCM services wants XXXX cash upfront. I have children and a family. And if DCM services are within their rights and are lawful, then the laws are messed up. Why should I have to pay for a XXXX loan I never took out? Why is my house threatened to be foreclosed on? This is unfair and outright inhumane and evil.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to falsely report my credit to the companies, which is resulting in inaccurate reporting. I have reported this issue with Equifx and XXXX, yet the false reporting continues. Every customer service representative that I have spoken to has confirmed that I have never been late on my auto draft payment. The accused late payment is XX/XX/XXXX. This account was reported up to date until XX/XX/XXXX or XX/XX/XXXX ( depending on the company being reported to ). This error has taken my credit score down significantly and XXXX refuses to fix their error, as do the credit bureaus. I have sent proof of payment in the form of a PDF showing the payment was withdrawn from my banking account on time and that XXXX posted it to their site on time, too. None of this has seemed to matter. I will attach this evidence here once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was in bankruptcy until XX/XX/2018. XXXX XXXX said that 3 payment were late not true and in XXXX of this years they said XXXX payment was late also not true. Need this investigation fone one this company bad business
Product: Credit reporting, credit repair services, or other personal consumer reports

my housing application was rejected based on derogatory notes on my credit report. On XX/XX/19 I Called Equifax to get a copy of my credit report. Their rep gave me a run around and after 30 min. when I asked to talk to a manager he put me on 10+minutes of hold and never returned. I needed copy of report because I was denied housing and needed the issue to be resolved quickly. So, next I went on Equifax website to " request free copy of your Equifax credit report : Online at Equifax.com/FCRA '' ( https : //aa.econsumer.equifax.com/aad/landing.ehtml ) I submitted my info, but at the end, instead of the report I got a message " we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX '' ( see attached ) I called the # but there was no one to talk to and that wasted another 15 minutes of my time. 
I called Equifax # again : XXXX, asked to talk to a manager. A supervisor came online and after getting all my private info told me I had to send more info by mail. I told him I had already applied online and I should be able to access the same info Equifax provided to 3rd party  about me, and I didn't have the luxury of another month or two to wait for the back and forth. Instead of providing the info they provided to 3rd parties about me so that I can contest it, the supervisor hung up on me! 

I am lodging this complaint against Equifax for 1-wasting more than an hour of my time on the phone and acting rudely by hanging up, 2-for deceiving me and others to input private info into website but once they got all that private info, refusing to release the credit report, 3- dragging the matter with no intention to resolve it, while they provided derogatory remarks about me to the landlord, as a result of which I was denied housing. 
Finally, since I already filled out their online application and did call XXXX but no one was available, and since I need this info soon to do damage control, I want Equifax to send me the credit report immediately, by email to ( XXXX )
Product: Credit reporting or other personal consumer reports

This account shows I am an authorized user and have a XXXX balance. It is negatively affecting my credit score. I do not know who's account it is. I suspect it is my father but we have been astranged for years. I do not have any bank of america credit cards or bank accounts and they are unable to locate the account. I do not have the full account number or card and I have no idea who is making the minimum payments. I would like to be removed as an authorized user.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion credit reporting agency XXXX remove the following information account : XXXX XXXX balance {$5600.00}, XXXX  XXXX account : XXXX balance {$4000.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance XXXX XXXX  XXXX  account : XXXX balance {$2600.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance {$20000.00}, XXXX  XXXX  XXXX XXXX XXXX account XXXX XXXX balance {$16000.00}, XXXX XXXX  account XXXX XXXX balance {$14000.00}, XXXX XXXX account XXXX XXXX balance {$10000.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance {$26000.00}. This is a result of identity theft and fraud, please remove all listed accounts within XXXX business days of receiving this complaint. This activity has resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiries, collections, appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX FEDERAL  TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX or XXXX XXXX : Dispute missing information from XXXXEquifax. ( scanned and sent Certified mail ) Dear Sirs, Attached is myEquifax credit report SSN last four **** with missing information that can not be disputed online for unknown reasons. 
Included are my driver 's license so you can correct my date of birth to XX/XX/XXXX and my name from XXXX XXXX to XXXX XXXX XXXX XXXX My Social Security card is provided so you can match it to XXXX report with SSN last four **** included. 
I have provided my XX/XX/XXXX XXXX XXXX credit card statement so you can add my Apartment number # XXXX to myXXXX report. 
Please provide a copy of my corrected credit report within 14 days when you have corrected all three ( 3 ) my name, date of birth and address, as I have been denied credit recently. 

Sincerely, ================================== XX/XX/XXXX Dear CFPB, I send the Letter to Equifax on XXXX XX/XX/XXXX, certified mail XXXX XXXX XXXX XXXX XXXX, and Equifax received on XXXX XX/XX/XXXX because Equifax did not send a credit report on two previous requests XXXX 

I requested my credit report my mail and to have my name, date of birth, and apartment number corrected online, by mail since I can not get thru the phone line at XXXX or XXXX because after answering all the questions on their phone system it does not connect me with a person to check on my dispute. I included myXXXX report online with the missing and incorrect information to correct my name, date of birth, and missing apartment number from XXXXEquifax report online.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete this account : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i file a consumer complaint with tranunion XXXX XXXX about my acoount i ask them to validate the account for the XXXX XXXX XXXX XXXX for {$7400.00} and also XXXX  XXXX XXXX  {$1000.00} and university XXXX XXXX for {$310.00}
Product: Student loan

I contacted Fed Loan Servicing regarding student loans in XXXX. I was inquiring about the student loan forgiveness program. I work for a non-profit, and have since XXXX. I was told that in order to become eligible for the program I would have to bring all my loans over to Fed Loan Servicing. Just recently I found out that information was not correct and my loans qualified for the program since my start date at the non-profit. All my loans were Government loans and did not need to be consolidated to be eligible. I have asked several times over the years and received misinformation on my loans. <P/>All I would like is to have my loan payments back dated to when I started working for a non-profit. I feel as though Fed Loan Servicing wanted my loan consolidated with them for their benefit, not mine. The customer service agents I have spoken with tell me they can not do anything.
Product: Debt collection

Company is trying to collect a debt that is not even owed to them. I never signed an agreement with these people or have I signed any documents with these people. They keep putting this debt on my credit report and when i complain they take it off. This has been a vicious cycle that is causing irreputable damage to my credit profile. In addition to this when I called the company they admit that I do not owe them a debt ; however as you can see it is back on my credit report again.
Product: Debt collection

I have notified Simons Agency Inc by Certified mail about this complaint and they completely ignored my complaint about this issue. 

Simons Agency Inc in NY has been trying to illegally collect from me and has left XXXX entries on my credit reports. I have asked NJ Treasury to look up Simons Agency to verify if they are bonded or not ... NJ Treasury has confirmed to me that Simons Agency is not bonded to collect in NJ and is not legally allowed to collect in NJ without bonding. 

According to New Jersey Section 45:18-1 Collection agencies must file bond to engage in the business of collections in NJ, there for Simons Agency is not legally allowed to collect from me or put anything on my credit report because they are not bonded to do so. 

Simons Agency Inc has already broken NJ law and is in violation of the law. I ask that this be fully investigated and to comply with my resolution.
Product: Checking or savings account

Disputed transaction XX/XX/year> from XXXX XXXX the company reached out to me XX/XX/year> letting me know it could take up to 90+ days, I wanted to know why is taking so long?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a review of an erroneous item on my credit report. A lien, that was withdrawn and Experian note it was released/withdrawn but did no remove it from the report even thought the could not verify it and had evidence it was withdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to dispute inquiries that where not authorized by me Ive sent letters on XX/XX/XXXX and XX/XX/XXXX and that just this year. Ive sent all the paperwork theyve ask for and yet to remove these inquiries.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was approved for a joint auto loan. My banking account was used for all the payments for the whole duration of the loan. I made all my payments on time and had no major problems until XXXX of XXXX. I was told I had {$460.00} balance remaining on my loan from XXXX of XXXX, Consumer Financial Service of XXXX, IL never contacted me or show this balance on any of my recipients before XXXX of XXXX. This company falsified payments and the amount paid to all three credit bureaus. As of today XXXX XXXX this auto loan is currently open on my XXXX XXXX account with a balance of {$460.00} with the wrong Lender contact information. I have this auto loan paid-In full as of XXXX XXXX. I dispute both XXXX and XXXX Credit Report on XX/XX/XXXX On XXXX XXXX I filed a complaint with the XXXX XXXX XXXX  as well. I spoke with Consumer Financial Service on the following dates ; XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via phone which were recorded and save because of previous inaccurate information given to me on several different calls. The Lender Change the date to XX/XX/XXXX with the credit bureaus for my auto loan approval date and didnt report my last car payment for the month of XX/XX/XXXX. Its so much fraudulently activity taking place within the company its ridiculous. The Lender refused to call XXXX credit Bureau to close this account that is currently open..stating they dont report to XXXX credit Bureau. I received conflicting information on which credit bureaus this lender report payment history too. This company has destroyed my credit score and stole money from me as well
Product: Debt collection

In accordance with the Fair credit reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

On ( XX/XX/year> ) Midland credit Management INC. opened a collection on my report. 
Account # XXXX For the amount of {$1100.00} I have never signed any written document saying that I owe this debt collection. 

They are violating my rights of the FCRA as a consumer. 

I do not know who they are and I have no written consent from my end. 

Also, they have not verified that I owe this debt to the alleged company. 

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. 

Please have this removed from all three bureaus. 

XXXX XXXX XXXX XXXX.