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

Equifax should not be reporting a collection with a past due balance of {$13000.00} on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I had severe medical complications from a XXXX XXXX XXXX procedure. I had been in contact with XXXX  and informed them of my medical situation. I made all scheduled payments on the vehicle. I was not made aware there were any issues and I was never notified that my account was in jeopardy. Consequently, the vehicle was taken and sold at auction. The vehicle sold for more than what was owed so there is no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

The credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX was properly investigated but how is that possible when my name is misspelled on one account, the open date is inaccurate and date last reported not accurate. This is ground for removal. 

They also have violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : The law clearly states the credit bureau have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( I ) ( ii ). The law states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX XXXX XXXX XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX - XX/XX/year>XXXX  The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXXXXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting.
Product: Vehicle loan or lease

The company gave me a car note amount and came back with a different company with a larger car note amount after we agreed on which company would lend the loan. The company gave the loan paperwork to sign on the computer for XXXX. XXXX is the loan holder for the loan signed. Carmax is not the loan holder but has reported on my credit at a charge off for a car that was loaned from XXXX. I signed a pay off with another company to get the car loan removed from my name and Carmax stated the car is still under XXXX and can not be paid off because it registered to XXXX. A loan pay off expired after I went to a title company and the company would not release the registration information because the paperwork is fraudulent. I never received any contact from XXXX after signing the loan paperwork for them to be the lien holder. I have the paperwork that I signed with Carmax as XXXX as the lean holder. However, Carmax is the company reporting on my report. I do not owe Carmax. This company also sold me a car the year before and within two days the computer electric system began to stall and freeze inside a XXXX XXXX. Carmax also collected {$500.00} downpayment which is also fraudulent and against the law to accept down payments on cars. Carmax need to remove the account from credit report in its entirety or be sued. I have reached out to Carmax several times about the lemon selling cars and fraudulent paperwork. The only response received is that XXXX will not respond or remove XXXX will not remove their name as the lien holder. Car was returned for complaints and rechecked by XXXX XXXX  and returned with the same problems and no mechanical issues were fixed although the car has a warranty for 90 days or 400 miles and the car was driven for seven days before returned for further inspection with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian.com on XXXX XXXX, 2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was Charge off account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this time just today I has a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this Charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXXXXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery can not under FCRA show Late or Open on my report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Also 15 U.S. Code 1692- Congressional findings and declaration of purpose. I want all 3 three credit report agencies to remove Portfolio Recovery for false practices, and not following the consumer laws in place to protect my information and report accurate information, so will not hurt my credit score.
Product: Debt collection

First Credit Services is trying to collect a XXXX Debt, that i settled, and paid off to XXXX XXXX XXXX
Product: Bank account or service

I 'm writing my complaint on how my dispute case on my comerica credit card was handle. I 've put in numerous request when dealing with my dispute case it was n't handle in a professional manner at all. I need to speak to someone of a highler importantance to get this matter taken care of.
Product: Checking or savings account

A check written on a SunTrust Bank Checking account was deposited at XXXX XXXX  after the payee was altered with white-out and changed by the depositor. The check was accepted by XXXX and drawn on the SunTrust account. The fraud was reported by SunTrust to one of the named/authorized parties on the SunTrust account. A fraud case was opened by SunTrust but nothing has happened in over two months and SunTrust has refused to refund the account or provide any details of the progress to the authorized party.
Product: Credit card or prepaid card

For the first time I disputed a charge on my credit card due to non-delivery of an item I purchased. 

Basically, Capital One ignores information already provided in previous responses and/or requests information that is meaningless to the original complaint. I have copies of everything to share. I prepared in a PDF and redacted what I believe is all the personal identifiers. 

Clearly, NO ONE is actually reading the material I provide. Some of the information I used to dispute the charge ACTUALLY came from Capital One itself. To counter the claim, the Seller provided a copy of proof of delivery. The proof of delivery included 2 items ( 1 ) a mobile phone holder -- which I did not order and ( 2 ) reference to the item I did order. According to the customs declaration the 2 items weighed .06 kilograms or 2.166 ounces based on my conversion chart and were valued at {$5.00} The item I ordered? A gasoline powered car washer that weighs over 40 lbs. Anyway, Capital One blindly forwarded the proof of deliver slip without realizing discrepancy. I wrote back and carefully outlined all the discrepancies in the Seller 's response and still Capital One want more information - much of which was in the first reply. 

My theory is the Seller ( XXXX based ) added the item I purchased to a tracking slip for an item I didn't and gave that to Capital One. Once again, I have copies of EVERYTHING. This is a scam and Capital One is inadvertently an accomplice by not relying on the information provided. 

To make matters worse they want me to solicit another Seller of the same product to find out how they would have handled this matter. I AM NOT JOKING. What does that have to do with how this Seller handled ti. 

Clearly, Capital One is not reading the correspondence they are receiving. They ask the same questions already answered ; or XXXX questions like did I return the item when the complaint is about an item never delivered ; or want 3rd party opinions ( which I am suppose to gather for them ) on how they would have expected such a complaint to be handled.
Product: Vehicle loan or lease

I have sent numerous letters to Ally Financial about them reporting 30 late payments to all three credit bureaus. I did a payment extension with Ally financial and the continued to report that I was 30 days late for 30 payments. I have tried to contact them in writing numerous times and on the phone but to no avail. I dont even get a response in the mail. I transferred my loan to another bank due to these issues. the late payments need to be taken off immediately or I will have no choice but to seek legal action against Ally Financial.
Product: Credit reporting or other personal consumer reports

I am filing this claim in objection becuse I have been a victim of identity theft due to a breach in Equifax 's database, which has comprmised my personl identifible information. Due to this action, there have been many fictitious actts opened in my name which hav damaged my credit profile. I have also filed an Identity Theft Report with the FTC for proof of this crime.

Therefore, under the authority of **15 U.S.C . 1681c-2 ( a ) **, I am requestin removal from my credit file any materials submitted as a result of identity theft. I am writing to formally request that you delet this fraudulent information within the **4-day timeframe** provided by federal law to u for such requests. 

Even after providing all the requred documents, the credit reportin agency has not acted efficiently, and my credit status and finacial well-being remain at risk. I request the cfpb 's assistane in enforcing compliance with the relevant consuer protection laws in order to expedite this matter.
Product: Debt collection

This letter is a formal request for validation of the debt account listed below, as required by the Fair Credit Reporting Act ( FCRA ), Section 609, and other applicable laws. I am disputing the negative entry you have reported on my credit file, and I am requesting that you provide specific documentation to substantiate the validity of this account.

Account Information : Creditor Name : XXXX XXXX XXXX. 
Account Number : XXXX Amount Allegedly Owed : {$700.00} Pursuant to the FCRA and relevant case law, I am requesting the following information : 1. A signed copy of the original contract or agreement that establishes my obligation to the alleged debt. This must include my signature, demonstrating that I agreed to the terms and conditions of the original agreement.

2. A detailed account history, including : o The date the account was opened.

o The date and amount of the original transaction.

o Any subsequent transactions, payments, or charges applied to the account.

3. Proof of your agencys legal right to collect this debt, including documentation of the assignment or transfer of the account from the original creditor to XXXX XXXX XXXX XXXX. 
4. A clear explanation of how you calculated the amount claimed to be owed.

5. Copies of all communications between myself and the original creditor or XXXX XXXX XXXX XXXX regarding this debt. 
Case Law Supporting My Request : XXXX XXXX XXXX, XXXX XXXX XXXX ( Ind. App. XXXX ) : The court ruled that the collection agency must provide adequate documentation of the debt to validate their claim. 
XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case highlights the importance of providing sufficient detail about the debt to avoid misleading the consumer. 
XXXX v. XXXX, XXXX XXXX. App. XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : A debt collector must provide proof of the assignment of the debt when requested.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN IN XXXX XXXX  FOR OVER XXXX YEARS, DURING THE COURSE OF MY XXXX XXXX, SOMEONE HAS BEEN USING MY IDENTITY AND PERSONAL INFORMATION TO OBTAIN GOODS AND SERVICES USING MY PERSONAL INFORMATION. THERE ARE MANY FRAUDULENT ACCOUNTS THAT ARE CURRENTLY REPORTING ON MY CREDIT REPORT, I HAVE DISPUTED THEM MANY TIMES AND THE CREDIT BURURES KEEPS REPORTING IT BACK TO ME AS AN ACCURTE AND VERIFIED, THE QUESTION IS HOW ON GODS GREEN EARTH IS IT VERIFIED WHEN AT THE TIME THE ACCOUNTS WERE OPENED I WAS CURRENTLY SERVING A XXXX  MONTH XXXX XXXX XXXX. I KEEP ASKING FOR PROOF OF THE DOCUMENTS AND I STILL HAVE NOT RECIVED ANYTHING TILL THIS DAY! ..ALL THESE FRAUDLENT ACCOUNTS ARE LINKED TO FRAUDULENT ADDRESS, FRAUDLENT PHONE NUMBERS, FRAUDLENT EMAIL ADDRESS ETC ETC, NONE OF THERE INFORMATION MATCHES MY INFORMATION EXCEPT MY SS # AND MY D.O.B, I WOULD LOVE TO HAVE THE OPPORTUNITY TO HAVE A FRESH START IN LIFE AND PUT ALL THESE PROBLEMS AND ISSUIES BEHIND ME. 
PLEASE HELP ME RESOLVE THIS ISSIUE. 
THANK YOU. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following addresses as they are incorrect and I haven't live there : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX. 

Please delete the following employers as I have never worked there : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. 

Please delete the following inquiries as I didn't authorize these : 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency and the collection account is in violation. I have not received a response from the company states that I owe a debt that I do not the credit bureau has not removed the account off of my credit report. It has been over four months they are the only credit bureau that has this account in error on my credit report Q u e s t i o n s / C o m m e nt s : In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Account # XXXX  XXXX, has violated my rights. 
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 1682 Section 805 A States a debt collection may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer 15 USC 1962 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knowns or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. _______________________________________________
Product: Debt collection

I had an account go to collections due to my husband being laid off work. I worked it out with Portfolio Recovery Assistance that if we paid our debt then the collection would be removed from our credit report. We paid our debt and this report is still marked on my credit report. It is still negatively affecting me after it was negotiated it would n't after the debt was paid.
Product: Checking or savings account

I have a Capital One 360 Performance Savings account. 

I am attempting to wire a large sum of money to a business. ( approximately $ XXXX ) Capital One has turned this into an opportunity to harvest fees from me. 

They claim that they have a $ XXXX limit per wire, per day, in order to protect me from fraud. I was also led to believe based on the information provided to me online when attempting to initiate a wire, that this limit could be worked around if I visited a Capital One Retail Branch or XXXX. I took time off from work to visit a branch, only to be told from the Capital One employee at the branch, that they could not assist me because I have a 360 Performance Savings account, and all transactions must be done online. ( This is counter to how Capital One markets these accounts. Even today if you review their site for this product it explicitly states you can open and service this type of an account in a branch. https : //www.capitalone.com/bank/savings-accounts/online-performance-savings-account/ ) The guidance I got from the teller at the branch was that I should call and speak to Capital One. I did this yesterday. I got the same runaround. I was not able to speak to a supervisor as a part of this call. 

I called again today, and again asked to speak to a supervisor. This time I was able to speak to a supervisor, but XXXX was of no help to me. I opened up a complaint, and was told I would receive a call back. That has not happened yet. 

Bottom line is that Capital One is charging {$30.00} per online wire transaction for my account. They are doing this in the name of security, even though I went to a branch and presented proof of identity to them. I can only assume that their strategy is optimized to harvest {$120.00} in fees over 4 separate wire transactions instead of executing this in one transaction for a single {$30.00} fee. 

I now understand how Capital One can afford to pay such high interest rates on these deposits. Not only are they using it to fund their predatory subprime lending activities, but the also make it impossible for you to access the money without paying punishing fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Debt collection

Credit Management by way of XXXX XXXX contacted me about a cable bill that was due upon disconnecting services. I paid the balance down to {$0.00}, however, the account is still showing as a collection on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently looking to purchase a car and my credit report is reporting a numerous amount of inaccuracies. Hard inquires as well as an auto loan that has been paid in full. I am very concerned consumer and want only true information about me reporting. Please removed this inaccurate information as you are in violation. 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX