23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX XXXX I placed a check in the mail. It was stolen from the mailbox, altered to show a different recipient and an amount of {$10000.00}. The check was accepted by the bank, CapitolOne, and debited to my account.

As soon as I became aware that she check had not been received by the intended recipient, I contacted the bank. and was told that the matter would be investigated ( case # XXXX ). In repeated follow-ups in person and by phone, I was given no further information. 
Finally, on XX/XX/2022 I received an email asking me to complete an Affidavit of Altered Check, containing only information the bank had from the beginning. The email stated : " Once the documents have been received and are acceptable, a provisional credit may be issued while the investigation is ongoing '', I submitted the notarised affidavit the following day. I have heard nothing further and suspect that CapitolOne is dragging this out hoping I will go away.
Product: Debt collection

This company, National Credit Systems is reporting false information on my credit file. I don't have an account with them and they have failed to show otherwise! 

They are violating my rights under the Fair Debt Collection Practices Act!
Product: Credit card

I signed up for a free trial with XXXX XXXX. Within about XXXX min of signing up, I decided to cancel. There is no way to cancel via the app or website, so I filled out the support form requesting to cancel, and heard nothing from XXXX. XXXX then charged my card and now claims that I did not cancel the service. On top of that, the charge is for more than the cost of the service. And lastly, the trial should have been for a month, and the charge went through after a few days. 

Goldman Sachs ( Apple Card ) refuses to acknowledge any of this, and is insisting that the charge is valid despite a mountain of evidence. This has been going on now for seven months. 

There are literally hundreds of reviews that tell this exact same story. XXXX XXXX is a complete scam.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX  : I am writing to dispute the following items that are appearing on my credit report, which I believe to be inaccurate : 1. XXXX XXXX account information 2. XXXX XXXX XXXX account information 3. XXXX XXXX XXXX  account information Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I demand that these items be deleted immediately as they are inaccurate and/or unverifiable. 

For the XXXX  XXXX account, the report indicates the account was " Paid in settlement. {$470.00} written off. '' This account appears to have been misreported as a charge-off when, in fact, it was resolved through a settlement. I request that this account be updated to reflect the accurate resolution. 

Regarding the XXXX XXXX XXXX account, the report indicates a {$330.00} past due balance as of XX/XX/XXXX. However, I have no knowledge of this debt and believe it may be the result of identity theft or an error. I demand that this collection account be removed from my credit report if it can not be verified as accurate. 

The XXXX XXXX XXXX account also appears to be a collection account for {$6900.00}. Again, I have no familiarity with this debt and request a full investigation. If this account can not be verified as accurate, I demand that it be deleted from my credit report. 

As these items are negatively impacting my credit, I would appreciate your prompt attention to this dispute. 

Thank you for your assistance. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding XXXX specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.Experican is legally required to complete this action within XXXX business days of receiving this complaint XXXX  XXXX Account XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account Number : XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my XXXX credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB XXXX XXXX, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th and final complaint against this bureau. I have sent several affidavits yet They refuse to properly address them. 

I have never been provided the methodology for these alleged accounts on my report. 
1. XXXX XXXX XXXX XXXX ( 2x ) 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX They have refused to provide : 1.name ( s ) of representatives spoken to at the above institution 's that they allegedly verified these accounts with. 
2. Complete account number ( s ) 3. Time, phone number called, date spoken with 4. Title of rep spoken with to allegedly verify these accounts. 
5. Methods used to verify 6. Complete name, ssn, dob of alleged account holders ' name.

7. Date account was opened, reported etc 8. Name of representatives at above institution 's that opened these accounts 10. Branch Locations where these accounts were allegedly opened 11. The original, signed documents/contract from the above institution 's 12. Notarized, Affadavit from creditor ( s ) stating who the debtor is. 

In addition, this process has went om for 1 year with no resolve. 
I am being held hostage and my credit is being adversely affected in the process. 

I demand that these accounts be deleted immediately as you have not done what was necessary in the allotted timeframe. 

In addition I have repeatedly started that no other names are mine beside XXXX XXXX. 
Yet they continue to illegally report other names that don't belong to me. 
They clearly have me mixed up with someone is. 
I have repeatedly stated that no other addresses being to me besides XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX Yet they continue to report addresses on my report that don't belong to me. 

This is illegal and unfair. Justice will be met. 

Signed, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 fraudulent inquiries on my credit report that I didnt authorize. These inquiries are fraudulent and need to be removed from my credit file immediately. The inquiries are from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Someone tried to open an account in my name.
Product: Checking or savings account

I deposited {$300.00} cash to my checking account at Chase Bank through the Chase bank ATM on XX/XX/22 at XXXX. The money deposited did not get to my checking account. I called Chase bank many times for my deposit that never got to my account but to no avail. I spoke with XXXX XXXX XXXXXXXX for Chase about the deposit, she said it will take 10 to 12 days to reflect on my account. I need my money to pay bills. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report it caused me much XXXX to see these inaccurate inquiries that I discovered on my credit report. I disputed this when I sent in a stack of papers over a month ago and these companies have yet to provide verifiable information. It is my right that your agency ensures for it to be removed from my credit report. 







CREDITOR INQUIRIES XXXX. XXXX XXXX XXXX XXXXXXXX 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

I lived at XXXX XXXX XXXX  from XX/XX/XXXX through XX/XX/XXXX. Prior to leaving I gave 90 day notice which more than met the required notice set forth in my lease. I was not given any notice of any monies or fees that were owed and proceeded to move to another apartment complex. On XX/XX/XXXX I received a debt collection letter from XXXX ( XXXX XXXX XXXX XXXX ) stating that I owed {$4900.00} to XXXX XXXX XXXX. I have not received any notice of any debt due prior to this point. So I asked XXXX for a copy of my tenet ledger and they could not produce one, stating that the apartment complex was sold and all paperwork was lost. So I asked how they could try to collect a debt that there is no record of and they sent me a Statement of Deposit that does not list what the debt is for and has dates on it when I did not live there at that time ( this is enclosed ). I looked up the apartment owners ( XXXX XXXX ) and requested information from them. They sent me the same Statement of Deposit and a copy of only 2 pages of the lease I signed. On the lease someone wrote " Skipped out XX/XX/XXXX '' on it. I have proof I lived at XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. I have contacted XXXX XXXX ( who was the leasing agent at the time ) and verified her receiving my notice and that my apartment was cleared and rented right after I moved out. XXXX and XXXX XXXX have placed this collection on my credit report and are misreporting the dates and amount owed which is nothing. I have repeatedly contacted both parties to try to get this resolved to no avail. I have also disputed this on my credit report and the bureaus refuse to remove the item because XXXX and XXXX XXXX keep verifying the debt. I please need help with this.
Product: Checking or savings account

I was charged for the removal of a temporary credit, but I never received the deposit of the temporary credit. The temporary credit was for {$100.00} and was taken from my account on XX/XX/year>. I have documents saying that the temporary credit was deposited and then taken back but I never did receive it.
Product: Credit card or prepaid card

I filled a dispute with my Capital One charge card regarding purchasing brake pads and rotors for my XXXX XXXX XXXX vehicle that was purchased in XXXX - XXXX of XXXX. The service was a two year warranty, and I had problems for the second time with the installed brakes and rotors. The first time they were installed the brakes were squeaking so bad I had to go back to shop. I had to wait for about 2 weeks before they were installed again. 

This XXXX of XXXX my car with vibrating when I step on my brakes. I went back to the merchant and they informed my to purchase the brake pads and rotors myself and only have to pay him {$75.00} to install them. I paid previously a total of {$460.00} for brakes and rotors that they provided with labor. I decided not to go back to them because it had not been a year since I paid for the services done on my vehicle. I decided to file a dispute instead to recoup my funds and get them done correctly elsewhere. 

At first Capital One reversed the charge and then recanted due to it being over 60 days. I have since XXXX information and it said that I'm entitled to a chargeback up to 540 days. This information said I should be able to get my funds credited back to my charge card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$12000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, WA XXXX 1. XXXX XXXXXXXX Account No. XXXX 2. XXXX XXXX XXXX Account No. XXXXpartial 3. XXXX Account No. XXXX 4. XXXX XXXX Account No. XXXX 5. XXXX XXXX Account No. XXXX 6. XXXX XXXX Account No. XXXXpartial 7. XXXX XXXX Account No. XXXX 8. XXXX XXXX XXXX XXXX Account No. XXXX 9. XXXX XXXX Account No. XXXX 10. XXXX Account No. XXXX 11. XXXX Account No. XXXX 12. XXXX Account No. XXXX 13. XXXX Accoutn No. XXXXpartial 14. XXXX XXXX XXXX Account No.XXXXpartial To Whom It May Concern : I have requested the above creditors to be deleted from credit report being that these accounts are unverifiable accounts. I am at the point now where I am tired of reaching out to these creditors in efforts to resolve these unverifiable accounts. I feel that as a consumer my rights have been completely ignored due to the fact that I have not had any success in getting any of these accounts delete from my credit report since they have not been validated. I have not only requested for the debts to be validated but I have requested for the creditors to provide method of verification. However, I have been sent numerous of billing statement and yet have received any information with a signed contract with my signature between me and the creditors. As you are aware of that under the Debt collection Practices Act ( FDCPA ), I have the right to request validation of these debts that the companies are saying that I owe. I dont understand what is so hard about the creditors sending me proof that I am indeed the party that they are requesting to pay a debt, whereas they is some contractual obligation that is binding me to pay these debts. 
I have been refused employed due to these items reporting on my credit report. I dont feel that this is fair because this information is not accurate reporting on my credit report and should be completely deleted. Although I have made several attempts to try to resolved these accounts. I have been force under the impressions that if I dont make some type of arrangements on the accounts, I would be sued by the company and my bank account would be garnished. Therefore, in an attempt to resolve these accounts I have been force to make minimal monthly payments due to the fact that they are stating that these accounts are indeed mines. However, I am not agreeing that any of these accounts are mines because I have no knowledge of the above accounts. 
The company is reporting inaccurate information on my credit report that is very unfair, and violate my rights as an consumer.
Product: Mortgage

One XX/XX/XXXX I completed a refi process with DITECH. Ditech created the deed of trust document with a recording # of XXXX. Now come XX/XX/XXXX I qualified for a revitialization program with the City of XXXX and upon closing, they needed the deed of trust, come to find out the deed of trust was never filed correctly from Ditech. I have been working with Ditech since last XX/XX/XXXX to get this issue fixed. As of the date of the complaint it has NOT been fixed yet and I now stand to loose the XXXX loan I qualified for to fix my house since the deed of trust is not recorded, nor is there a proper lien for Ditech. The City of XXXX can not move forward with all the work until this is fixed and I had contractors ready to work now I can't because of Ditech not fixing this deed of trust issue ... .please help!
Product: Credit reporting or other personal consumer reports

I contacted XXXX by phone to inform them of errors in my credit report concerning the reporting of a bankruptcy that has been inaccurately documented. Upon my own investigation, it has been brought to my attention that the bankruptcy details on my credit report are incorrect, as bankruptcy courts do not typically supply this information to credit bureaus. Despite my previous request for accurate validation of all details, your company responded by asserting that all information had been verified. In light of this, I am requesting disclosure of the contact information used to confirm this inaccurate bankruptcy reporting. 
I know that they did not verify this inaccurate information because the US bankruptcy Court Clerk do not respond, report or contact any credit agencies to dislose information in regrads to bankruptcy
Product: Credit reporting or other personal consumer reports

discovered discrepancies in my credit report related to late payments. These are inconsistent with my regular payment habits. Please correct these errors and update my account. Thanks!
Product: Credit card

In XXXX I opened a Home Depot credit card to do repairs on the house with multiple promotional balances from 12 months from 18 month I was aware of promotional balances coming due, but since I do not receive paper statements, I would just rather call and talk to credit services and get an exact date that the payment needs to be made Ive been calling since XX/XX/XXXX I always receive a foreign call center. Youre more than welcome to have Home Depot pull the calls. They dont not understand when Im talking about when it comes to promotional balances.

Even today I asked for a manager I got somebody in XXXX XXXX with dogs barking in the background like usual its either dogs babies or TVs blasting. This is unacceptable when youre calling about something is important is your credit? Listen to the phone from dogs barking. This is supposed to be a manager. Im asking why After calling since XXXX, I never got notified of the promotional balance ending when Im signed up for the emails and Ive been calling for the past 56 months and I asked for a management to call me back. How crucial was no one ever calls me back and Im set up on automatic payments so my account just gets paid. 

My bill is {$70.00} more a month now This is not fair to the consumer I even asked the supervisor that I spoke with today If she understood what I was saying about the promotional balance, and if she understood the words, I was saying, I could hear the translation machine in the long pauses before she answered. Her answers had nothing to do with what I just asked. 

This is what Ive been dealing with Home Depot services and it has cost me {$500.00} unnecessary I want that money returned and I want to pay the promotional balance. I should be able to call in XX/XX/XXXX. Ask a simple question yes XXXX XXXX the promotional balance needs paid by XXXX date Paid and done with this is absolutely insanity
Product: Student loan

I was in default with my student loans and Navient contacted me in regards to them and I started the repayment plan to get me out of forebearance. But, they knew I worked at XXXX because my check was garnished for awhile and never told me of the Public service loan forgiveness program which I was eligible for. That was over 3 years ago and I would of made sure i kept up with my loans while in XXXX College. I saw the lawsuit against Navient and wanted to make sure I was part of this as well. Please let me know what else I can do.
Product: Debt collection

I called the company and the bureau to let them know this information was inaccurate and based on the FCRA 611 they did not follow the correct laws nor provide proof of verification with a wet signature. I am not liable for this XXXX XXXX XXXX  account with the balance of XXXX, I was not provided with the original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on the attached XXXX XXXX XXXX XXXX  ending in XXXX. This should be showing up on my credit reports with the date opened, the credit limit, paying on time each month, etc - yet, it does not currently. 

Attached to this complaint are : - my drivers license - my social security card - my mailing address - the letter from XXXX XXXX stating I am an authorized user- my actual credit card with them Please have this reporting on my credit report accurately.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX - XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.
Product: Debt collection

I visited XXXX XXXX XXXX XXXX in XXXX, Tx on XX/XX/2015 and was charged {$770.00} for my visit. 
My insurance at the time, XXXX, paid {$210.00} with a balance of {$550.00}. 
XXXX paid the remaining balance of {$550.00} around XX/XX/2015. 
XXXX XXXX XXXX XXXX turned an unpaid bill of {$550.00} to collections when the bill was actually paid in full. 
I have been disputing that I do not owe any money to XXXX XXXX XXXX XXXX and do not understand why this was turned over to a collections company name : XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX or ( XXXX ) XXXX. 
I have called the collection company numerous times and they do not ever answer the phone. 
I have also submitted multiple disputes with XXXX and the collections company says it is mine bill. I've explained it is my bill but it was Paid In Full and should not have been submitted. 
I have screenshots from XXXX website EOB showing they made two payments to your company and paid the bill in full as stated above.