23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or around the date supplied, I called Capital One to verify I was in collections with them. I called Capital One to verify this debt when I was advised that there were 2 closed accounts that needed attention. I worked out a payment arrangement to get them both paid off so I can work on rebuilding my credit. After 5 years, and trying to apply for a mortgage, I find out that Capital One did not close my other account. Upon inquiry of the open account, they claim I only paid 1 of the 2 accounts that I had open. I told the person I spoke with that I called Capital One to pay them both off, and said informed me that I must have been routed to a 3rd party collector, as when someone who is in collections calls, the system automatically routes them to the third party. I was unaware of this. The person I spoke with in the initial call informed me that both accounts were going to be paid upon, when the last person at Capital One informed me that he gave me incorrect information, and I would only be paying on one account. Since this person was speaking on behalf of Capital One, and seeing as how the account has been charged off, and Capital One has been paid to this account, I only find it fair that they take this off of my credit so I can proceed with my mortgage.
Product: Mortgage

on XXXX XXXX XXXX I refinanced my home equity line with XXXX XXXX, They sent out a check and on XXXX XXXX Huntington deposited it. I had an account at Huntington that I had money saved and did n't touch so I was unaware that monthly Huntington was now taking a minimum monthly payment from that account, I went into the local branch to closet that account to find it was drained and found out why. The local branch was no help and the XXXX was no help. They essentially deposited that check and stole that money, they said since there was not an account number on the check they would not have known what to do with the check. XXXX XXXX sent a payoff letter with the check that had the account number and all my information that Huntington conveniently misplaced. I need this taken care ASAP because I 'm refinance my home with XXXX XXXX and that line is still showing open so I now technically have XXXX liens on my home and Huntington 's should have been closed & released over 2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate reporting of late payment on the three CRA. The FCRA states that erroneous information should be deleted if source can not be validated by the CRA. 
The late payment reported on my mortgage with XXXX is inaccurate because it is different for the month of XXXX, XXXX and XX/XX/2018. I was reported as 30 days  late on XXXX and 60 days late for the same month on other CRA. I want these late payments deleted due to inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. I have also attached a copy of my Drivers license and SSN for identification purposes. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

XXXX XXXX XXXX I, XXXX is a collection Agency, THEY send to my a Letter trying to collect a Debt to me. I Dispute this debt with them within 30 as the Laws requires. The information they provide to me is not Accurate even My name, they request some documents to me and i send it to them as Birth Certificate, Social Security Card, Driver License, Bill, once i send all the information, they said that's no enough and under FCRA laws, if the information wasn't accurate, have to be removed from my credit report also FDCA laws, said the same and they are violation my consumer right all the time, I'm disputing this with them for more than a Year, Actually the sold this collection to another Collectors as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I request Debt validation, and only send a few Statements, not all of them as I request to them, even in those report is a Different name like mine and legally they have to remove that collection from my credit report, and that is a violation of my consumers right because the information is innacurate and they know it and still threaten me when they are selling this collection to another collections Agencies and keeping this collection on my credit report. My Name on Credit Report is XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 I open a new Claim ID : XXXX regarding a transaction for a total of {$380.00} from a restaurant in the country XXXX, this transection is overcharge based on what I order vs I get charge later when I comeback to United States after vacations, later on XX/XX/XXXX I receive a credit on my checking account but on XX/XX/XXXX the credit has been remove with the excuse that is being a food related complain, I reopen the case again in XX/XX/XXXX explaining that I don't have access to the invoice to see the overcharges however on XX/XX/XXXX the credit has being remove again from the account with the excuse see below " As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history and/or the monthly account statements we sent you. We made this decision because : When you make a transaction in person, you should've had the opportunity to inspect the merchandise. If later you find it to be unsatisfactory or incomplete, giving you a credit is up to the merchant. We recommend you contact the merchant directly for further assistance or send us a credit receipt or proof of return and we'll reopen your claim. 

What's next The credit ( s ) for {$380.00} that was applied to your account will be removed on XX/XX/2024, along with any credit ( s ) for fees related to this claim- You'll see the adjustment ( s ) on your monthly statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a {$15000.00} line of credit with US Bank. The XXXX balance was paid at the end of XXXX. When they had not updated the balance on my credit reports to reflect the XXXX balance, they told me to file a dispute. I did and the balance was correctly reported as XXXX. However, 3 days later, the balance was then updated to {$3000.00}, which was the balance back in XX/XX/, but again, the entire account was paid at the end of XXXX. US Bank has told me to file disputes so they can update the balance to XXXX. I have done this 3 times and each time, they are validating the balance as {$3000.00} rather than XXXX. Actually, the account is overpaid by XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one..XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion does not allow me to check if there is a security freeze in place for my account. Their website has been displaying " Sorry, we're having trouble showing the status of your credit freeze right now '' for the past 2 years. I also have no way to lift the freeze from their website due to this error. 

Their support hours to check the status discriminates against pacific time folks. We should be able to lift the freeze on weekend evenings. 

I've asked customer service about this 10 months ago, but they were not able to tell me when the issue will be fixed.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED.

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an ID theft report. Please find the required documents to assist in the blocking of the erroneous information that is being posted to my report. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account. I have never signed a contract or applied with this company. I contacted them, and it determined to be fraudulent account. And was removed from their records. They sent me a letter as proof of deletion. 


XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Tuesday XX/XX/2018, GC Services called the mother of my girlfriend, claiming that she was listed as a contact point to reach me concerning a financial matter. They attempted to ask her to divulge personal information pertaining to me which she did not provide. I never listed her as a contact point for any debt repayment processes. Under the FTC I believe it is illegal to contact third parties in regards to my personal financial information. I want to report this company for unlawful deceptive debt collection practices.
Product: Debt collection

First thing, Im a XXXX year old XXXX  that doesnt have a credit card or any debts, so I have know clue why they call me, they are very rude and basically tell you to XXXX off if you tell them to stop contacting you
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$160.00} XXXX XXXXXXXX {$3400.00} DEPTEDXXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$2300.00} DEPTEDXXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$4200.00} DEPTEDXXXX   XXXX {$1200.00} DEPTEDXXXX XXXX {$1000.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX  XXXX {$4500.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX  XXXX {$5600.00} DEPTEDXXXX   XXXX {$4400.00} XXXX XXXX {$2600.00} DEPTEDXXXX   XXXX {$4600.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect late payments showing on my credit reports from " XXXX XXXXXXXX XXXX XXXX ''. The credit reporting agencies are showing a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. When I log into my account through the company, they show a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. 30 days had not yet passed and the company reported my account as being late to the credit reporting agencies. All of the information is inaccurate. According to my payment history showing on my account, my the late payments in question have been paid before on the same date that my payment is due. My due date for my payments are the 25th of each month. The XX/XX/XXXX " late '' payment was made on XX/XX/XXXX. There was a payment of {$31.00} on XX/XX/XXXX to cover the payment due for XX/XX/XXXX. There was also a payment of {$62.00} made on XX/XX/XXXX to cover XXXX and XXXX payments of XXXX. As stated above, my payments are due on the 25th of every month and the late payments in question were not 30 days late.
Product: Credit reporting or other personal consumer reports

The collection for XXXX funding for {$670.00}. I had no contract with this debt collector. Theyre reporting inaccurate information. I disputed it already before but it wasnt fixed. Also, another collection with the company HARRIS & HARRIS LTD for {$140.00}. I have no recollection of this account and amount because my internet is included in my rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the disputes that were disputed on XX/XX/XXXX still remain. The credit bureau agencies have 30 days to respond and theyre 5 days over. Please correct the items that were disputed on XX/XX/XXXX and remove. thanks XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX i submitted all identity theft information more than once. My next step is to sue. 

cc : Cfpb, XXXX XXXX XXXX, FCRA, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

they are old debt lost job they try not get touch with me till 2 or 3 year later
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXXXXXX XXXX XXXX  Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Hauge & associates continue to call when they were told not to call.I have filled bankruptsy and they still keep calling.
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 confidentially under 15 USC 1681 XXXX XX/XX/XXXX XXXX Law office of XXXX XXXX, XXXX XXXX XXXXXXXX. XXXX. XXXX, XXXX I truly have no knowledge of this account however i did dispute this account never recieved a response. This is very damaging to my credit i would deeply appreciate if this account will be removed as soon as possible. XXXX XXXX credit card XX/XX/XXXX XXXX i used this credit card company to build my credit i used my own money when i told them i wanted to close this account they did not they continue to put late payments on my account which is incorrect i asked them to send me my money back they never did however i could careless about they money i just want this item removed from all three credit reports i would deeply appreciate it so i can start rebuilding my life and credit so i can make a better life for my family thank you for your time. 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting company can not furnish a account without my written consent 15 USC 1681 S- ( a x1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any resonable cause to believe that the information is inaccurrate. So im asking to please remove both accounts from all three credit report agencies i would deeply appreciate it. Thanks for your time
Product: Checking or savings account

There was an issue two weeks ago where my TD Bank account was suspended. I filed a CFPB complaint and was able to resolve the account suspension, whereas I am able to access my accounts again. Now there is an issue where the bank is using different terms for me personally than what is stated on their web site regarding the checking bonus offered to the public. They are making different terms just for me. First some additional background on this. When I first reached out to TD Bank, a local banker changed my account type without my permission. I had a question whether because of the account type changed ( from " XXXX  '' to " XXXX '' and back to " XXXX '' again ) whether the promotions that I am eligible for and was enrolled in when I opened the accounts would be affected. I waiting 10 days for a response from the " Promotions '' department to ensure that my accounts would still eligible for the bonus promotions due to the unauthorized account type change made by a local TD Bank branch. We also needed to ask for an extension of the funding period for the Savings account since my account was suspended for several days ( which was granted ). Here is the offer from the bank : https : XXXX The terms clearly state that based on my circumstances that I would be eligible for the {$300.00} checking account bonus. What I am being told by the bank now is that I do not qualify for the checking account promotion, even though there is nothing in the terms that would exclude me. The reply from the bank where they claim that my account is ineligible : Hey, The previous account you held is the reason they are not honoring the checking. It may have been more than 12 months ago but, they are still counting it. I provided the last four digits of the old checking account number in the previous response. -XXXX  -- This is different than what the terms state : Offer valid XX/XX/2020 through XX/XX/2020 and is available only when opening through a qualifying website. Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD XXXX  Checking account with cumulative direct deposit funds of {$2500.00} or more into the new checking account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD XXXX XXXX account with cumulative direct deposit funds of {$500.00} or more into the new checking account within 60 days of account opening. Qualifying direct deposits include your paycheck, pension, government benefits ( such as Social Security ), or other eligible regular monthly income from your employer or the government electronically deposited into your checking account. Person-to-person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING XXXX MULTIPLE TIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX XXXX IN FOR XXXX " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Information Due to XXXX Data Breach Dear XXXX , I am writing to formally dispute certain information on my credit report that I believe may be a result of the XXXX XXXX data breach. 

I have reviewed my credit report, and I am concerned that certain inaccuracies or fraudulent entries may have been made due to the exposure of my personal information in the breach. Specifically, I have identified the following : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquires : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I request that you investigate these items and correct any inaccuracies that may have been caused by this breach. In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate and respond to my dispute within 30 days. 

I also request a copy of my updated credit report once the dispute has been resolved. 

Please find enclosed copies of my supporting documentation ( e.g., government-issued ID, proof of address, previous credit reports, etc. ) to help with the investigation. If you require any additional information, please let me know. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$10000.00} XXXX XXXX XXXX {$1400.00} XXXX - XXXX {$0.00} XXXX  XXXX - XXXX {$0.00}