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

I've asked for Capital One to validate the debt they say belongs to me on 4 different occasions & they've refused to do so. I asked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX for Capital One to validate the debt and they respond with a stall tactic letters all 4 times. As a consumer I am entitled to a validation. I have the debt validation letters I've sent them along with 4 certified receipts I've send them. I've even called them asking for it. I don't understand why Capital one is refusing to Validate the debt they say belongs to me. If it belongs to me then prove it. The burden of proof is on Capital One not me as the consumer.
Product: Credit reporting or other personal consumer reports

A registered deliver of security was tendered with special endorsements for the principle account ( investor ) for satisfaction and discharge as well as cancellation pursuant to article X1 in the base indentures for the issuer and registrar. I am giving notice of instructions to fulfill your fiduciary duties pursuant to article V1 section 7.01 of the base trust indenture and also communicate within 15 days giving reason of non performance of fiduciary duties per the trust indenture Act of 1939 and the securities Act of 1933. My UCC11 search also shows no liens as it was release after 21 days by the previous Note holder as the Prom Note was sold to XXXX XXXX XXXX XXXX for servicing a servicer can not collect payments. I was suppose to receive a Cash Advance at the start of the contract I never did 16 CFR 4331 stop braking the law. Ucc 3-603 tells us a debt can not be paid with a debt. And Ucc 3-604 tells us if the negotiable instrument was returned or destroyed the debt is discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The 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. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX  Account Number : XXXX ; Account Name : XXXX XXXX Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report from TransUnion through XXXX XXXX shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.
Product: Credit reporting or other personal consumer reports

After obtaining my consumer report from TransUnion and XXXX, I have noticed many inaccuracies that I would like to have investigated. Accurate and fair credit reporting is a fundamental right, and the current reporting on my credit file does not comply with this requirement. 

Dispute with TransUnion : Incomplete Balance History and Scheduled Payment Information : Since the opening of my XXXX XXXX  account in XX/XX/XXXX, TransUnion has only reported balance history, scheduled payment information, and past due information for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This sporadic reporting is inconsistent and should be regarded as inaccurate. Accurate credit reporting requires a complete and continuous history. 

Inaccurate Delinquency Reporting : TransUnion is reporting my account as delinquent for 120 days for two consecutive months. This is inaccurate as a delinquent account status should increase continuously if no payments are made. This incorrect reporting negatively impacts my credit profile and does not reflect the actual delinquency status. 

Dispute with XXXX : Inaccurate and Missing Balance Payment Information : XXXX is reporting inaccurate and incomplete balance payment information. Specifically : For XX/XX/XXXX, XXXX reports two different balances : {$1300.00} and {$1300.00}. 
For XX/XX/XXXX, XXXX reports two different balances : {$56.00} and {$1000.00}. 
Inaccurate Payment Dates and Amounts : XXXX is reporting incorrect payment dates and amounts : In XX/XX/XXXX, XXXX reports a credit balance of {$1000.00}, and in XX/XX/XXXX, the balance decreases to {$680.00} but shows a payment of {$0.00} for XXXX. 
In XX/XX/XXXX, XXXX reports a credit balance of {$910.00}, and in XX/XX/XXXX, the balance decreases to {$880.00} but shows a payment of {$0.00} for XXXX. 
Inconsistent Payment Dates : XXXX reports a payment date of XX/XX/XXXX for multiple months, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These duplicate payment dates are incorrect and do not match my payment history. 

Applicable Laws : Under the FDCPA, specifically Section 807 ( 15 USC 1692e ), it is prohibited to report false information on a consumer 's credit report. The inaccuracies and inconsistencies detailed above violate my rights under this law. Additionally, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) mandates accurate and complete credit reporting.
Product: Credit card or prepaid card

I used my Citi Simplicity card to transfer a balance from another card given the offer of 1.99 % APR. Given this rate until XX/XX/2019. This would allow me to pay down my card faster given the lower interest. However, I come to learn that the way they calculate minimum payment makes this irrelevant as they use 1.5 % of balance or 1 % of balance + interest fees, whichever is greater. Hence, they really should have been advertising the payment calc upfront and I may have re-evaluated if this in fact helps me. Given this calculation my {$20.00} interest accrued means nothing as the 1.5 % of balance is always greater. This was not laid out in any of the documents for my transfer nor if I was applying for this card as a new applicant would I be told this. The card member agreement contains this info, no where is this info online. A chat rep told me this directly and I captured that quote. I asked where my card agreement is and I had to request which may take days and also doesn't come in the mail until you are approved for the card, so no one knows this upfront. I feel it is misleading and withholding info that should be readily available in my account or on my statements as other cards do.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 card

I began receiving emails from XXXX addressed to XXXX. My name is XXXX. I submitted an unsubscribe several times over the past two weeks. I have never reached out to, nor browsed XXXX. 

The emails come from : XXXX XXXX XXXX : XXXX : XXXX ( XXXX ) XXXX XXXX : XXXX Most recently I received the attached email which shows XXXX but is from XXXX. It mentions : Email Security Zone : XXXX XXXX For your account ending in : XXXX Your credit limit : {$2500.00} It appears that this is a scam. That is why I have not initiated conversations with the sender of these emails other than to 'Unsubscribe '. 

My concern is that a 'credit card ' is mentioned associated with my email that has nothing to do with me.
Product: Debt collection

I have to constantly change my number because Portfolio Recovery Services calls me constantly. I tell them to stop calling I even have recorded phone calls telling them to stop but they won't. They even called me when I'm at work sometimes they will back to back call me. I will block their number they will use different numbers. I have to change my number constantly I had phone numbers XXXX XXXX XXXX and many more in the past all because this company harassed me. The information they got as well is not correct and I got 2 times that they called me outside of XXXX XXXX  cut off limit. One is at XXXX XXXX  and the other is at XXXX XXXX. Almost XXXX XXXX  at night when I have to work next morning I can't get any sleep. I have recording after recording asking the telling them to stop. They won't atop calling.
Product: Debt collection

I am not aware of this debt and have not received any notification. Please provide the Certified Mail Receipt bearing my signature if appropriate notification has been sent. I am formally requesting verification of the alleged debt dated XX/XX/2024. Despite previous requests for verification and a cease-and-desist order, I have not received any correspondence or confirmation. 

The NCA account XXXX, with a balance of {$460.00}, contains several inaccuracies and incomplete pieces of information that require attention, along with clarification on the steps taken to ensure the accuracy of the reported account. Specifically, these inaccuracies include the absence of recorded information in the two-year payment history across the three bureaus. Additionally, there are inconsistencies and incompleteness in the information provided by XXXX regarding monthly payments, number of months, credit limit, past due amount, and date of last payment. There is no reported detail to compare to determine accuracy under XXXX and XXXX. 

Given these inaccuracies, I request a thorough investigation into these discrepancies and a prompt resolution of this matter.
Product: Mortgage

TD Bank solicited me by mail to apply for for a HELOC. I called and filed an application. They called me with an issue and we traded phone calls for a while. They are next to impossible to get a human being on the phone, often 20-30 minute wait times with no ability to leave a message. Eventually we spoke and they told me the issue was that my wife, who had recently experienced a stolen credit card, had a fraud alert on her credit report. We contacted the credit bureau ( XXXX ) and removed the fraud alert and they told us that TD 's issue was nonsense and that a fraud alert doesn't prevent them from drawing credit reports. In fact my wife and I just received the mandated letters telling us the credit scores they received. I have since been unable, despite hours of attempts, to get anyone on the phone to discuss the issue. TD 's voicemail talks about exceptional service, horrendous is a much more appropriate term.
Product: Mortgage

A Dear Sir : My name is XXXX XXXX My account number with State Farm was XXXX. The account was in my diseased husbands name. 

I am from XXXX XXXX and I am XXXX years old. I am victimized with this account by State farm.My husband XXXX XXXX XXXX and I took out this loan of {$30000.00}. Unbeknown to me he was borrowing much more money that I was not aware of. He was very sick at the time and receiving XXXX XXXX.Then when he went into intensive care.I found out what he was doing I called and .stopped his borrowing.I paid an increase payment. I paid off the loan around 2013. I borrowed money from the XXXX XXXX for the amount what XXXX owed.Where I came from XXXX we grow up that we do n't have money we do n't spend and we owe money we pay no matter what. I think State Farm did wrong to me each time XXXX borrowed more money they should have notified me the spouse and it and I should signed by me also However, I signed for a small amount for help him out. No State farm people told me or explained to me that he could continue borrowing without my knowledge.I would like someone to look into this matter at this time. I would like you to investigate all the my history with State Fram business. Please look into this matter so I do n't have to live with terrible feeling about all about this acct. I paid off over {$82000.00} to State Fram I borrowed from the other bank to pay it off. Please. Check this. What can you do help me feel better with State Farm I really believe in State Farm. I always deal with State Farm I feel there are something can be done by authority. I am victimize by working so hard not being at home. I did not know State Farm and my husband could do this no matter what I paid off. Now Sate Farm should do the something like this case should change people like me from oversea work so hard and ending is disappointment. I would like see some truly caring people .I have two personal friends that are lawyers who would like to read the contract.
Product: Vehicle loan or lease

The company I'm complaining about is KIA MOTOR FINANCE In XXXX of XXXX they called a reference of mine and I called them and asked do not ever call this reference again hey have contact number.In XXXX of XXXX and XXXX XXXX hey called the same reference asking them for my contact information.I called the today and advised again do not call this reference and they advised that the name is on my contract as a reference and i advised i does matter I have asked them not to contact my references because they have my contact information and i did advised i would be filing a complaint in regards to this matter This is a FDCP violation and I want this fined for it
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme disappointment with the lack of response from TransUnion, XXXX, and XXXX regarding the disputes I sent regarding inaccuracies on my credit report. Despite my diligent efforts in listing the accounts and clearly outlining the violations to my consumer report, it has been over 30 days and I have received no response from any of the credit bureaus. 

It is imperative to note that under the Fair Credit Reporting Act, every detail on my credit report must be 100 % accurate. The accounts in question are in direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) for their failure to report accurately. Furthermore, the violation of 605 ( c ) running if the period has also been noted, as the date of last activity on these accounts is reporting incorrectly. 

I am attaching copies of all letters sent for your reference. I expect immediate action to rectify these issues and ensure that my credit report reflects accurate information as mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to XXXX XXXX  about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX  ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX XXXXccount XXXX : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS FIRST XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX IN Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Bank account or service

TD Bank manipulated my account in order to force fees. They placed holds on checks and promised to refund fees related to those holds. They returned payments that should have been good, costing me money with my creditor and showing late payments on my credit report. Additionally, after they learned I intended to get a lawyer, they did n't remove the fees they promised to remove, they did n't properly initiate chargebacks, and they left my account at a negative balance. The following charges should not be on my account : XXXX/XXXX/2016 FEE OVERDRAFT {$170.00} XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX {$99.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 FEE OVERDRAFT {$35.00} XXXX/XXXX/2016 DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} ( unauthorized ) I have screenshot text messages where they agreed to remove all fees and this never happened. Once I had to bring a lawyer into it, they did n't initiate the chargebacks after someone got a hold of my card number. They 're being vengeful instead of professional.
Product: Checking or savings account

TD Bank apparently opened accounts using my name and address without my authorization. I have never had a bank account with TD Bank and do not want one. Now, they are billing me for service fees on accounts I didn't open. This smells of the XXXX XXXX fraud. The accounts are TD Simple Checking # XXXX and TD Growth Money Market # XXXX.