23daVinci/CFPB_Complaints huggingface dataset:
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 or prepaid card

On my computer my sibling downloaded a virus without my knowledge and ran the virus. I had my XXXX XXXX and my capital one carded added on the computer and my ID card also on my computer for verification for a job. Without my knowledge the credit cards were used for months on a company called XXXX I did my research on the company and sadly Im not the only one who has had their card stolen and has disputed against XXXX and not win or the bank wants to not remove it due to them loosing money. I never made any purchases with the company XXXX and want my money back. Ive had a account through them forever and never really had a problem with this until now. 

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

XXXX, Equifax, and XXXX have failed to maintain the accuracy of the information reported on my credit file, despite multiple disputes submitted to address these inaccuracies. The information in question remains unverified, outdated, and incorrect, resulting in ongoing harm to my credit profile.

The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the XXXX response time for investigating disputes, which was not adhered to in my case. 
15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This challenges the investigation protocol, as no clear evidence or documentation was provided to verify the accuracy of the disputed information.

15 USC 1681i ( a ) ( 5 ) ( B ) : This challenges reinsertions protocols, as the disputed information has been retained or re-reported without proper validation or notification, violating FCRA guidelines. 

I request that the CFPB investigate these violations and take action to ensure the credit bureaus address these inaccuracies, provide adequate validation, and comply fully with the Fair Credit Reporting Act.
Product: Credit card

I, XXXX XXXX, on this XX/XX/XXXX, submit this CFPB complaint against Capital One Auto Finance. I allege that on or about XX/XX/XXXX, Capital One Auto Finance discriminated against me as defined by 12 CFR 1002.2 ( n ), which states that discrimination means treating an applicant less favorably than others. For further reference, please see the attachments. 

Thank you.
Product: Credit reporting or other personal consumer reports

There are 2 accounts from Dept of EdXXXX opened in my name on XX/XX/2023. One for {$3000.00} and another for {$1700.00}. I have never had a student loan in my life. I went to the XXXX XXXX XXXX XXXX from XXXX on a football full scholarship.These two accounts showed up on my credit report and I was given their number to reach them. When I called I was kept on hold for an hour and 36 minutes then it appeared as someone was taking the call then disconnected me. I contacted Transunion and XXXX and both advised that I contact the FTC and file a police report for identity theft, fraud, and whatever else I could think of against the Dept of EdXXXX XXXX . I filed a dispute with the credit reporting agencies and it stated the accounts are mine. I am XXXX XXXX XXXX and have been with the same financial institution for 15 years as a XXXX XXXX XXXX.I can provide whatever is needed along with picture ID. I am 100 % sure that the Dept of EdXXXX can not provide my same information. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report. 

XXXX XXXX Account ID : ENDING XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. Date of original payment was never supplied .Grace Period is was not ever applied .Original Contract ( with late payments provision ) bearing my ink blue signature was never sent .Please see attached company response .As per their reply they do not have to be in compliance with FCRA and provide me with any requested documents.

I have difficulty getting them from the original creditor.

In addition for their reply that the company his in compliance with Metro-2 and E-Oscar please review attached screenshot of how do they report my account and how many non-compliances are listed there.
Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain financing.
Product: Credit card or prepaid card

Capital One XXXX XXXX XXXX to Benefits states on page 11 Trip Cancellation/Interruption : In the event of the Insured Person 's Trip Cancellation or Trip Interruption, we will pay up to the Trip Cancellation/Trip Interruption Benefit Amount of {$1500.00} XXXX To file a claim on any of the offered services, Capital One directs its customers to call XXXX XXXX. 
I purchased a plane ticket under the assumption that I would be covered should I have a trip interruption. On XX/XX/XXXX, I XXXX XXXX XXXX and am unable to travel until XX/XX/XXXX as per XXXX XXXX XXXX I called the XXXX number on XX/XX/XXXX and was told that the stated benefit did not exist. I called Capital One who in turn call the XXXX number and was informed that the Trip Cancellation benefit did not exists in spite of their guide to benefits stating it had a benefit up to {$1500.00}. A " case '' was opened to investigate the problem. I received a call on XX/XX/XXXX and was transferred again to XXXX XXXX. Capital One will not refund the cost of my plane ticket as it is a benefit of XXXX XXXX not Capital One. However Capital One should be held responsible for their false Guide to Benefits advertisement on which I based my decision to purchase a plane ticket without personal insurance coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax and XXXX is not complying with my dispute requested i sent them letter on the XX/XX/2021 and on the XX/XX/2021 and told them my first initial i havent heard back from them than i send them 30 day demand to reply and still havent responded
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late/Open
Product: Debt collection

For the past XXXX  months PNC Bank has constantly lied and played games in reference to closing the XXXX XXXX Account ending in XXXX. They keeps claiming that there are disputes on the account however no according to the recorded conversation with their Customer Service Representative
Product: Credit card

In 2007 I opened a bank account at the age of XXXX with wells fargo. I was constantly badgered about opening a credit card account by bank tellers but always declined. Later that year I accidently overdrew my account with a purchase but quickly added money to my account. Without my knowledge a credit card account had been opened in my name with wells fargo and an automatic overdraft protection transfer was made from this line of credit without my knowledge. I never received a credit card in the mail, I never heard mention of it, and I never saw a tab from a credit account on my online banking. YEARS went by and my delinquent credit amount of maybe XXXX dollars remained. I received no notices about by email or physical mail. I eventually met with a banker to check my credit score and he saw the strikes on my credit and the now XXXX $ that had accrued in interest and I quickly paid the fees to stop the bad credit and closed the account. I was unsure of how this could have happened and they said I opened a credit card. When I asked to see a where and when I could have possibly signed up for a credit card that I know I 've never wanted because of my hatred for the badgering I constantly received I found that in 2007, if an account holder was under XXXX the banker could sign a user up solely with a verbal confirmation and without a signature. So no proof exists of me wanting to sign up for a credit account except that some teller said I wanted the account. I never had and never will want a credit card account with wells fargo. At the time I was unsure of what to make of all this until I learned of the huge scandal that wells fargo was involved in. Now I realize I was taken advantage of and want my money back along with any interest. I went into a branch office and they said it was too long ago to have records of proof of the money being taken out of my account. I do n't believe I paid the balance until only a few years ago though so I think it should still be in my account. I do n't trust them and am afraid they will just try to delete any proof that exists. I know my case is a small XXXX but any help would be greatly appreciated! thank you -XXXX
Product: Credit reporting or other personal consumer reports

I have disputed these accounts before dating back until XXXX of 2024 and nothing have been done. The credit bureaus are not doing any investigation and they are not blocking these items from reporting. I keep asking how are they verifying these accounts and i never get a response
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Intent to File Legal Action for Violations of the FCRA 611. Despite my multiple attempts to notify Experian of these inaccuracies, you continue to respond by stating that " the company that reported the information has certified to Experian that the information is accurate. '' THIS IS A CLEAR FAILURE TO PERFORM YOUR OBLIGATIONS UNDER THE FCRA 611. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. Under FCRA 611 ( 5 ) ( A ) ( ii ), when a consumer disputes information on their report, the CRA is required to provide a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name and address of any furnisher of information contacted in relation to the dispute, and the contact information of such furnisher, if reasonably available.
Product: Credit reporting or other personal consumer reports

Two student loan accounts from u.sXXXX department of education appeared on my credit report. One is for {$1500.00}, the other {$870.00}. Both created on XX/XX/year>. I am not in school and my son is in XXXX XXXX  XXXX  so no reason i would have these. I reached out to XXXX  to file the disputes claiming fraud. I was then advised to fill out a form here.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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 the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTIM OF IDENTITY THEFT THERES BEEN SEVERAL CREDIT INQUIRES THAT IVE NEVER APPLY OR REQUESTED, THIS INQUIRES ARE FRAUDULENT OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY, FRAUD INQUIRES THE ACTION THAT WAS TAKEN A POLICE REPORT AND A FEDERAL TRADE COMMISSION REPORT HERE ARE THE INQUIRES 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 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
Product: Debt collection

In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by Resurgent Capital Services. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXXor  XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

have an account with Lexington Law, opened on XXXX XX/XX/XXXX. I had one negative creditor due to me missing XXXX payments, and it was hurting my credit score. I disclosed that to Lexington Law. They stated that they would help me remove the negative charges, and help me get my credit score back up. They took out a payment of {$130.00} on the XXXX of XXXX and on the XXXX of XX/XX/XXXX. My credit score dropped by XXXX points when I checked on it in XXXX. I could not access any documents to show proof of what Lexington was actually doing for me. I got assistance from XXXX XXXX XXXX from a financial counselor. We called XXXX and spoke to XXXX at XXXX on XXXX XX/XX/XXXX. He stated that Lexington had sent an intervention letter to investigate those late payment items. I stated that I knew I was late and the charges were accurate. I was told that the services would improve my credit score, and instead it had dropped further. I requested a refund of both of the payments and for my membership to be canceled. At XXXX XXXX instead tried to change my membership, and I refused and again stated that I wanted a refund and to cancel the membership. At XXXX I asked directly, Are you refusing to cancel my membership? and XXXX said, No worries. He then stated that he was willing to cancel, but I had to make a final payment of {$120.00} on XXXX XXXX. At XXXX I asked XXXX to confirm, and he stated that Yes they will not be refunding me for any of those XXXX payments. I persisted that I wanted a refund, and to cancel. At XXXX he transferred me to his supervisor, XXXX. He asked if I had late payments, and when I responded yes, he said XXXX, okay as if that was new information even though I had disclosed that at the start of my membership with Lexington Law. I again asked for a refund. XXXX said he can only refund XXXX month, and refused to make the full refund of 2 months payments. He confirmed that he was canceling the XXXX XXXX payment of {$120.00}. My financial XXXX again informed him that it is illegal to dispute when the charge was accurate. We finally agreed to take the XXXX month refund he was offering, and informed he that I would be filing a CFPB complaint about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Student loan

Hi, this is regarding my request for refund on all my XXXX loan payments made during the payment freeze from XX/XX/2020 till present, total of {$6000.00} at EdFinancial. I have called customer service line multiple times asking the estimated time for refund to be issued and total loan balance to be reinstated in order for me to apply for forgiveness in a few weeks. No one had offered me an estimated timeline and stated that they did not know how long this would take. Whereas other student loan servicers such as XXXX and XXXX XXXX who offer refund to be expected in 4-6 weeks from sending in refund request. This can be very confusing and misleading for me, which can cause significant financial loss if my total loan balance is not updated before I have to apply for forgiveness.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$420.00} XXXX XXXX  XXXX XX/XX/XXXX {$490.00} XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXXXXXX XXXX {$550.00} 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Product: Credit card or prepaid card

I made a purchase on XX/XX/20 for {$16.00} using my Comenity credit card. A few days later I attempted to create an account online so that I could pay the balance. The website did not work so I used the automated phone service to establish my account and pay the balance. It appeared everything was fine. 

A week or so later I find out Comenity charged me an additional {$18.00}. They say I did not provide the correct routing numbet and/or account number from which I paid the balance so they are charging me the penalty of {$18.00}. I did not provide incorrect information. 

I asked Comenity to provide me the routing number and account number I provided them hen paying my bill and they REFUSE to provide thst information. 

I refuse to pay an {$18.00} penalty fee when they refuse to provide proof that I SUPPOSEDLY entered incorrect information. 

I have approx 7 pages of email exchanges I've had with Comenity.