23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Unlawful Collection Attempts on a Charged-Off Account : Despite charging off the account, Capital One continues to try to collect on it, which is a violation of federal consumer protection laws. A charge-off is a write-off for tax purposes and should not result in further collection attempts. The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C Negative Credit Reporting : Capital One is continuing to report negative information on my credit report, despite the account being charged off. This is unfair and deceptive, and it is negatively impacting my credit score. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Capital One 's continued collection efforts on a charged-off debt and negative reporting violate 15 USC 1692, which prohibits improper debt collection practices Violation of Privacy Rights Furthermore, I am invoking my rights under the Privacy Act of 1974. CAPITAL ONE has failed to provide proper notification regarding the sharing of my personal information and has not offered me the ability to opt out of such disclosures. 

Illegality of Reporting Transaction History : Under 15 USC 6801, it is illegal to report transaction history without my consent. The policy of Congress mandates that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of their non-public information. Per the FCRA, I am formally opting out of any and all authorizations I may have givenwhether written, unwritten, verbal, or non-verbalunder 15 USC 6802. This includes the sharing of my personal information and any usage of my data without my express written consent.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$67.00} XXXX  XXXX XXXX Balance : {$53.00} XXXX  XXXX XXXX Balance : {$190.00} XXXX  XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Credit last year was XXXX until late 2019. At that times, I saw my score drop below XXXX. It was all due to a Old Navy Card Visa that I never even activated. I made one purchase on-line with the card, and paid it off in full. In case I missed any balance, I put it on auto-pay. Apparently there was some kind of {$12.00} charge after I paid off the purchase I made. I did not open bills or emails from Old Navy because I had not shopped there and it was on Auto Pay. I finally realized there was a {$12.00} charge ( not from purchases ) that had become delinquent when my credit score went down. I talked to a representative at length and explained it. My bank info was in the system, so there was no explanation why auto-pay did not pay it. I spoke with representatives several times to explain the situation, and demanded that the error be corrected on my credit report. I was assured that it would be. Now, here we are into XXXX, and this credit card account is still reporting delinquencies for XXXX and XX/XX/2019, and my scores are still below XXXX to no fault of my own. This mistake is the only blemish on my credit report in nearly 20 years of perfect credit history.
Product: Credit reporting or other personal consumer reports

I have disputed several inaccuracies with XXXX XXXX XXXX XXXX XXXX XXXX I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and Perfom an investigation. The creditor is illegally reaged my date active from dates.XXXX XXXX is missing date last active and your company has failed to do the proper investigation because if so you wouldnt allowed all those late charge offs from the creditor and i would not have XXXX different dates of last active these are FCRA violations XXXX To whom it may concern i am writing to dispute the following information on my credit report : These items are currently showing inaccurately on my credit report filed with the credit bureaus. Pursuant to 5 U.S.C ss 552a ( i ) ( 3 ) Im requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in the determination shall not use such record. Please contact me at the email address below to let me know that you have corrected my credit report by removing the disputed items within. The next 30 days as stipulated by the FCRA. Thank you for your assistance with correcting this erroneous information on my credit report
Product: Credit reporting or other personal consumer reports

I tried disputing through all the credit reporting agencies and they were told by the creditor XXXX XXXX the debt was verified. I tried contacting them XXXXXXXX XXXX for info about the debt and they wouldnt give me any and eventually hung up on me. I just noticed this on my reports and it was closed and charged off in XXXX. Because I have no idea what the debt was I disputed it and my score dropped almost a XXXX points just for asking for info about the debt.
Product: Student loan

Hello, I am contacting your company because I need help with high student loans that I am unable to pay. I was attending a private college to obtain a degree a certification. during the time I was there I spoke with other students who were obtaining the same degree and cert and we were all charged different amounts for our loans. I feel as though the school over charge and made a bunch of promises like getting a free lap top after graduation. When I attened the school I had addressed several problems some of them got fixed and majority of them did not. The price was way outrageous and I wanted to eventually withdraw due to personal medical issues at the time. But i feel as though I was forced to stay in the program being told i would be charged and would have to start all over again. I stayed and completed it. fast forward, XXXX of this year I saw that the school had closed its locations due to bankruptcy. I was shocked but not surprised. I started to submit a complaint back when i attended the school but I had no real info on how to do so. since the school has closed there is only XXXX school that would accept the credits but they do not have the degree of study that I want. I do not think its right that they just closed and did not inform current and former students. its like they left us holding the debt. and it is really hard for me to get a job in the field I have the degree in. please help this has caused so much stress and I almost wish I would have never attended this schoo.
Product: Credit reporting or other personal consumer reports

The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX  ACCT NUMBER : XXXX  DATE : XX/XX/2017 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax every week for the past 2-3 months. I have noticed some unauthorized, unverified inquires on my credit report in XXXX, submitted a FTC report to the bureaus, 4 times for Equifax, and they are refusing to delete the unauthorized inquires. They have failed to verify the inquires and since I have submitted the FTC report numerous of times, they are refusing to adhere to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

So contact XXXX XXXX after discovering that hard inquiry on my reported to credit bureaus. Which I was unaware at that time. Then realized that this was result of misinformation that was given by a sales associate that had assure my what she was doing a soft inquiry to see if I was offered a credit increase which would consider as a soft credit since I already had a XXXX XXXX XXXX Account already. I made myself very clear when ask about processing as a hard inquiry & sales associate response was this is soft credit that would not cause drop in score. I explained I didnt want anymore hard inquiry because recent inquiries that were on my credit report. I acknowledged prior that I already had a XXXX  credit card that can be use already at XXXX XXXX XXXX XXXX XXXX. So only if was soft ( aka In-Store Credit ). But taking advantage as well as deceived by the sale associated who manipulated that situation by given inaccurate information regarding inquiry. I connected merchant in order for this issue to get resolved, but three attempts ( XX/XX/21, XX/XX/21, & XX/XX/21 ) which I was transfer to credit issues department which had then spoken XXXX then XXXX. Then I attempted to reach out to them again & was told that a compliant/report was issued to be corrected information regarding the unauthorized credit reporting. I also had similar issue w/Macys Credit Card when I change my mind before credit was ran, I was told that she suspend the application then it should fall off or removed for incomplete application which takes 24-48 hrs. But instead it wasnt which had resulted it being reported as a hard inquiry on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a number of inquiries on my credit report for XXXX, Experian, and XXXX that I did not authorize in XXXX and XXXX. I keep getting frequent notices that my information was sold on the XXXX market. I need this inquiry to remove from the credit bureau.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I looked at my report and noticed information was reporting that shouldn't be on my report. 

According to 15 USC 1681i 5 they are suppose to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) In general If, after any investigation 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 shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ( ii ) promptly notify the furnisher of that information that the information has been deleted form the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure the b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681 s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relying to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified. by the consumer, at address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have edivence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX pulled a copy of my Equifax credit bureau with out my consent. I spoke with XXXX and they could give me no valid reason as to why this was pulled. 
I spoke with Equifax to dispute this and they indicated they could not remove it since we have no control of our own personal credit file. 
I can't begin to explain the problems with this situation! 
I would like to have the hard inquiry removed from my credit file. I have closed the account and while I am under no illusion that companies like this will care in slightest of loosing a good account because of nefarious behavior, I can only separate myself as much as possible from them.
Product: Checking or savings account

Citibank has not been able to provide me access to online banking after calling XXXX times. The support team just keeps on transferring me. There was a fraud in my account and a new account was then created for me, ever since have not been able to access online banking even after talking to Citibank for XXXX XXXX I can not access my funds. I need access to these funds asap. This is my XXXX complaint here still no one fixed it for me. This bank should be regulated better and its a shame. Please fix the issue so that I can access my banking and can have access to MY OWN MONEY!!!!
Product: Prepaid card

Card was stolen and reported to Wisely. Dispute Report was filed but was never received by me for submission to local police department. Wisely has refused to send report to me via email and has said dispute has settled without any information provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have the XXXX XXXX Bank trade removed from all CRAs. 

XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting different amount of accounts than XXXX and XXXX. 

They have failed to help with reporting XXXX XXXXXXXX XXXX as an open account. XXXX has fixed this with no problems. They are claiming no data was given the past 3 months and that it was recently reported closed which it is not. Company also has refused to remove multiple hard inquiries placed in an abusive manner on my report XXXX XXXXXXXX XXXX has not reported for the month of XXXX & account should have XXXX $ balance!
Product: Debt collection

My husband received a call on his cell from a person named XXXX XXXX at this number. When my husband asked who he was, what the call was in reference to and how he get my husband 's cell, XXXX refused to give any info except he was having me served and after giving his phone number XXXX hung up. My husband then called the number back to give them my cell number and a female answered with threatening actions and curse words. I came in and my husband asked me to speak with the female who would not give her name, but proceeded to yell and scream at me that I owed a debt and the debt was being turned over to the IRS. After a minute or so I was finally able to get her to be quiet for a moment and asked what company she was calling from and for what creditor she was calling on behalf of. She rudely did not want to answer, she only wanted to threaten me that I was being served and the matter would be turned over to the IRS. I finally got her to say the original creditor was Chase Bank for a sum of over {$19000.00}. I do not have any accounts with Chase Bank and I informed her of such. She continued to yell and curse me out and by that time I simply told her to do what she needed to do and I unpolitely told her to XXXX and at that point she started cursing at me again and I hung up. It seems strange to me that this company would call my husband instead of me and be belligerent to both of us to such a high level.
Product: Debt collection

On XX/XX/2025 I received an alert from XXXX that Resurgent Capital Service had placed and debt on my credit report for {$1500.00} plus. I contacted the company, and they do not have proof that the debt belongs to me. The debt was a part of identity theft. When the credit card was open through XXXX XXXX I was sick during that time and could not have applied for the credit card. I believe my ex-husband and his girlfriend may applied for the card, but it was not me. XXXX sent me an email saying that I benefited from the card and that was not true
Product: Checking or savings account

I received a check from XXXX XXXX on XX/XX/2022 in the amount of {$1400.00} and deposited it into my checking account with Chase through Mobile Deposit on XX/XX/2022. Friday XX/XX/XXXX the funds from the mobile deposit were released to my account and no longer showed pending. Then Thursday XX/XX/XXXX all funds were shown to have been removed from my checking account and my account was completely closed. I called Chase customer Service twice, once on XX/XX/2022 then again XX/XX/2022 both times I was informed that the check could not be verified by the maker because no number for XXXX XXXX was in Chases Database. I then went into The XXXX TX Chase branch and spoke to someone and was informed the same information and was told to reach out to XXXX XXXX and get a phone number from them that Chase could call to verify the check. From there I went to XXXX XXXX in person and spoke to the cashiers office and was informed that the funds were released to Chase and then I was given the number to the head of the Cashiers office and the Vice President for obtaining verification. I again went up to Chase and informed an advisor of the issue and provided him with the number to XXXX XXXX XXXX XXXX and Cashiers office. I was then told that the phone numbers were not in the database and that they would not be able to call anyone to verify the check and the funds can not be released until Chase has verified the check with the maker. I then asked if verification could be made with XXXX since that is who XXXX XXXX banks with and was told that was not possible. From there I asked what I could do to obtain the {$1400.00} and was informed that the branch was going to submit a complaint to Chase and wait for a response. I was denied a copy of any of the transactions and was never given an alert to the account being put on hold or closed. There was no answer when I requested a timeline of when the situation would be resolved and was told there was no way to ensure me that it ever would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified dispute letter to XXXX on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit report. I sent another certified letter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit reports ; which I did not receive a response back from XXXX, XX/XX/XXXX, or Experian. My latest certified letter was sent on XX/XX/XXXX to identify the continuous inaccuracies being reported on my credit report by XXXX. I also requested for XXXX to send over proof that the alleged repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I requested copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle to be provided to me within 15 days from the receipt of the certified mail notice that was sent on XX/XX/XXXX. 

I pulled my XXXX credit report to review, and I noticed that the account has been re-aged and is now reporting a Date of Last Activity as ofXX/XX/XXXXXX/XX/XXXX with XX/XX/XXXX. I have requested for this erroneous account to be removed from all bureaus on my credit report. There are several inconsistencies and errors that I identified on my credit report. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to Re-age an account. I also noticed a comment on the XXXX account on my credit report that stated a payment was made after the account was closed. This is a inaccurate statement, and I am demanding for this account to be removed.