23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was in debt with XXXX. On XX/XX/2019 I contacted XXXX to settle my debt. They agreed to settle for {$100.00}. I made sure to receive an email stating they the account was in fact paid in full from the representive prior to disconnecting. Once I received the email, I disconnected. This past week ( XX/XX/2019 ) I received a letter from a new collections agency stating that I still owe the debt to XXXX and that they are trying to collect the funds from me again. I contacted the new collections agency letting them know that I have proof that I do not still owe the funds and that it was paid. I also contacted XXXX with the same information and emailed them a copy of my bank statement along with the email that stated my account was closed in full. The new collections agency stated they can not stop this account from reporting to the bureaus and that XXXX has to pull the account from them to stop further action.
Product: Debt collection

On XX/XX/XXXX I checked my credit report and noticed a collection account by Credit Collections Services ( CCS ) from the original creditor XXXX. Upon further examination of the account I noticed the age of the account that was reporting on XXXX, it caused some concern as the 7 year from the delinquency date had passed more than 2 ( two ) years ago. When I called Credit Collections Services ( CCS ), the collection agency that posted this collection to my XXXX credit report had NO KNOWLEDGE OF THIS COLLECTION ACCOUNT AS HEARD ON THE RECORDED AUDIO. THEN WHY IS IT LISTED ON MY CREDIT REPORT? THE REPRESENTATIVE DID NOT HAVE A SUFFICIENT ANSWER. According to the FTC ( Federal Trade Commission ) 15 U.S. Code 1681c " The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. '' Please noted that I've NEVER had a bankruptcy, thus this account should have been deleted off my credit report on XX/XX/XXXX. As of this year ( XXXX ) this account is STILL LISTED ON MY CREDIT REPORT. This is a violation of the Federal Trade Commission law. 

Credit Collections Services ( CCS ) is also in violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, which is " consumer protection amendment, establishing legal protection from ABUSIVE DEBT COLLECTION PRACTICES, to the Consumer Credit Protection Act, as Title VIII of that Act. ''
Product: Credit reporting or other personal consumer reports

THE REMOVAL OF CHILD SUPPORT FROM MY CREDIT REPORT 609-FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report from XXXX on XX/XX/2019 and they are reporting incorrect Amount past due from Capital One/Kohls this account was paid with agreed amount {$160.00} Here 's the account # XXXX listed on the report. Amount past due list {$330.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has me locked out their credit reporting site because a XXXX didn't like my XXXX and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX  are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the XXXX  from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section 604, 609, 611 and 623. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX and Covergent Outsourcing Inc applied a debt to my social security number for ( XXXX XXXX XXXX regarding account XXXX that was n't in my name it was in the name XXXX XXXX XXXX Not XXXX XXXX XXXX for a debt of {$660.00} to {$1200.00} upon disputing and sending police reports and identity theft affidavits and proof of residence the mailing came in ( XXXX XXXX ) and now Have My Name XXXX XXXX XXXX on them this was clearly a fraudulent account not in my name or social and is affecting my credit
Product: Credit reporting or other personal consumer reports

My account with ( DEPT OF ED/XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( DEPT OF ED/XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XX/XX/XXXX/XX/XX/XXXX called XXXX to transfer internet connection to my new address. I had unlimited internet access and tv for XXXX a month. XXXX didnt have service in my new address and offered set up internet with one of their vendors but never said the fee was by the minute and not unlimited. It wasnt until it was turned on I received email stating the fee. Immediately tried calling to disconnect and was transferred many depts. no one could help. It took about 3 days on calls holding to have it disconnect. After hit me with this outrageous bill of hundreds dollars for an expensive service I never asked for.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS CHARGE OFF and COLLECTION ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. Inaccurate Addresses : 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 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, credit repair services, or other personal consumer reports

This is a formal complaint that the credit reporting agency. I sent several disputes dated XX/XX/2023, XX/XX/2023, and XX/XX/2023. But Experian, XXXX, and XXXX have ignored my previous request and failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy that states under 15 U.S.C. 1681e ( b ) in the credit reports they publish. 
Under 15 U.S. Code 1681i, Experian, XXXX, and XXXX have 30 days to complete the investigation from the date they received my dispute and send responses. However, I never received a response nor investigated the inaccuracy on my credit report
Product: Credit card or prepaid card

Capital One sent an email ( attached ) alerting me that due to inactivity my credit card account would be closed in XX/XX/XXXX, but until then it is restricted and can't be used, thus it is effectively already closed. This was the first correspondence I received related to this issue and was not given any time to make purchases to keep the account active. I believe this is a deliberate effort to cancel credit accounts of customers as banks worry about issues related to COVID-19. I have outstanding credit and a perfect payment history with this bank. I have multiple credit cards with other banks that have provided notices that activity was required to prevent account closures PRIOR to actually restricting or closing the account. This was the first notice I received. After calling the bank and speaking to two different CSRs I was told that the account could not be reactivated and that the credit could not be transferred to another product.

I believe per the terms of the The Credit Card Accountability Responsibility and Disclosure Act of 2009, banks are required to provide 45 days notice to consumers of any major changes to the terms of the account. This needs to be included in this provision. 

It is completely inexcusable for a bank to just cancel your credit card account without providing any notice or providing an opportunity to make a purchase to keep it in good standing. 

I am outraged that in the midst of a pandemic banks are allowed to indiscriminately cancel people 's accounts without due process. 

Please investigate this matter and determine if this a pattern with regard to how Capital One is handling their credit card customers. 

Kind regards, XXXX
Product: Credit reporting or other personal consumer reports

someone open several loans with this company without my permission. I asked the credit bureau to removed these XXXX bad accounts off my credit report, and they refused. even with the provided information that I had sent them.
Product: Debt collection

I am beyond frustrated with the way your bureau has handled my identity theft case. I have done everything by the book with disputing these accounts, yet your bureau continues to make absurd claims that the documents Ive submitted are not valid. I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies, but I refuse to let Experian get away with their incompetence any longer. Ive contacted the bank in regards to this matter, and they claimed its been resolved. Ive contacted the law enforcement agency and filed a report and affidavit, and they have confirmed that my identity theft report is valid. And lastly, Ive contacted the credit reporting agencies. The two other credit bureaus have removed the accounts per legal requirement, but your bureau feels Im not following all the steps. This is unacceptable. I demand that the Consumer Financial Protection Bureau ( CFPB ) look closely at this case and hold Experian accountable for their actions. I have filed my identity theft report with a law enforcement agency, and identitytheft.gov is a federal law enforcement agency. There is no excuse for your bureau 's incompetence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. For the record, I am the person submitting this complaint. I have not hired a third party, nor is anyone helping me. I demand that this matter is handled with a sense of urgency. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its causing a great deal of strain in my work and personal lives. I am literally losing my mind because I have no other recourse.
Product: Vehicle loan or lease

Around XX/XX/2016, I purchased a vehicle from, " XXXX XXXX XXXX. I specifically stated to the sales rep & finance manager, that I only wanted a vehicle worth XXXX dollars. We agreed on a XXXX XXXX XXXX XXXX, with sunroof, around XXXX mi. I put a XXXX dollars down towards the purchase of the vehicle. I tried to get the vehicle refinanced then discovered that the dealership fraudulently added about XXXX to the total finance cost of the vehicle. The vehicle was also falsely advertisted as in great condition, but a severe frame damge front and rear ... ....
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights. 
Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately Addresses Collections Names Hard Inquiries These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of a fraudulent account from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. This account was opened fraudulently in my name without my consent. According to 15 U.S.C. 1681c-2, once a fraud alert or identity theft report is received, the credit bureau should take prompt action. As this fraudulent account is causing significant harm to my credit profile, I request its removal within 4 days, in line with the urgency typically required for such cases.. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days.
Product: Checking or savings account

Overdraft fee occurred while my account was in positive standing. Generally, when my account goes into negative, I can see it that day and bring it to a positive standing in the same day IF the deposits are made before XXXX. This time, my account was in the positive on XX/XX/XXXX, but an overdraft fee was applied to my account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX added over 18 inquiries to my credit report and it is fraud. 
Are you familiar with 15 U.S.C. Sec. 1681i ( a )? It says if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct.

section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer. 
Under FCRA 15 U.S Code 16811n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter please. If you can not provide documents with my signature these inquiries should be removed immediately. 

The items below should all, be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Checking or savings account

On XX/XX/XXXX a hacker hacked an investment app I use called XXXX. XXXX has my Chase checking account linked to it, because it drafts a percentage of my transactions to put in an investment savings account I have with XXXX. The hacker hacked the XXXX account and created a virtual card using the debit card service on the app. They made multiple transactions to a vendor in XXXX. I live in XXXX, Texas, and have never been or know anyone in XXXX. The hacker also took out a credit builder loan through the XXXX app. I contacted both companies, XXXX and Chase to submit disputes. Chase closed the disputes saying XXXX showed proof they were all legitimate purchases. When I contacted XXXX said their disputes were not even finalized yet. The hacking to my account happened XX/XX/XXXX and XX/XX/XXXX where they stole my full direct deposit. I have yet to retrieve my money back from either party. Chase has closed their disputes, reversed any credits, and is not helping me.
Product: Debt collection

I have disputed several accounts from LVNV FUNDING LLC MULTIPLE times but they still call and send letters.
Product: Debt collection

I have loans in my name for a school I never attended, I have now incurred {$90000.00} in student loans for an XXXX XXXX XXXX at a school that I recently found out is not accredited. They intercepted both my XXXX and XXXX tax returns totaling {$10000.00} and on the XXXX they had only taken over 6 months earlier, they took XXXX % of my {$4600.00} return and only paid {$650.00} toward my loan, and they took XXXX % of my {$5100.00} loan. They have refused to send me any information on my loans and this is what they sent me in an email This is to acknowledge the receipt of your email. Please be advised that we forwarded your email to our operations department who is currently handling the account. You can also call their hotline number at XXXX for further assistance. 

Which tells me nothing .... I still have no answers and I have been chasing after this information for months now ...
Product: Student loan

The Department of Education is cancelling student loans for all students who attended any XXXXXXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX. The Department found extensive school misconduct in the form of substantial misrepresentation to prospective students about XXXX employment rates, salaries and career services during that time frame. The private loans are not addressed by this federal cancellation, but they should be, as they are equally a financial burden to students who were victims of a fraudulent corporation. On top of this, the Department found that XXXX XXXX applicants who attended XXXX schools were eligible for loan forgiveness with overwhelming amounts of evidence of the corporations failures as an educational facility. Many XXXX XXXX applicants received forgiveness from the XXXX XXXX XXXX XXXX, which was finalized almost XXXX  years before the Department decided to forgive the loans of all students from these schools. There is no reason why these private, for-profit loans with their ridiculous interest rates should be exempt from this forgiveness. Loan providers such a XXXX  are acknowledging the accuracy of this complaint and offering School Misconduct Discharges. XXXX XXXX should be offering this same application and forgiveness for the loans it bought from XXXX XXXX, a conspirator in XXXX  predatory lending practices.
Product: Credit card

I keep receiving pre-approved offers in the mail in my sons name. To protect his identity I have called the company and they said it would stop. I have called the opt out and so have they. Currently I have had to shred every week offers. This is Capital One XXXX XXXX XXXX XXXX, XXXX XXXX