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

On XX/XX/XXXX of this year I discovered a {$380.00} charge to my XXXX XXXX ( NetSpend ). This charge was not of my doing and I immediately reported the fraudulent transaction to the debit card company. I was told by customer service that the vendor ( a company named XXXX ) would have to cancel the transaction prior to the money being released from " pending '' status. At this time I was told that such releases normally happened after three to five days. It was also at this time that the card was cancelled and I was furnished with a new card within a matter of two days. 

Since no efforts to resolve the situation were undertaken by the XXXX, I contacted XXXX via chat found on their website. My initial contact occurred on Thursday, XX/XX/XXXX, with a follow-up occurring the next day to inquire when the company 's security team would contact me. I was initially informed that a security rep would be in touch by the end of the XXXX, however I've never spoken to a security rep but was told on Monday, XX/XX/XXXX by an XXXX customer service rep named XXXX that the transaction was canceled and the status of the transaction should be lifted within three-five days. 

The communication between myself and XXXX occurred via email ( provided ) and each of these were provided to XXXX, however they would not accept them as proof. The company stated they required an official response by XXXX on letterhead before they would lift the pending status of the funds. It has now been 15 days since I first brought this issue to the attention of XXXX and it appears their intention is not to do anything ; to leave the issue unresolved for an indeterminate amount of time. XXXX ( NetSpend ) has done nothing to help and seems bent on treating me as if I instigated the initial transaction, which I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft and I filed a police report and provided to the credit bureaus however they have not provided me with detailed information I have requested which is required by law according to my attorney. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts that I did not open nor authorize and are due to Identity Theft listed below : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX  XXXX Account Number : XXXX 5. XXXX XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7 XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I entered into an agreement with XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2021. My agreement is attached for reference. 

Upon enrollment into the XXXX XXXX subscription program, I set up auto payments from my XXXX XXXX XXXX checking account. You will see from my XXXX XXXX XXXX attachment that I have NEVER been late on this account. However, I would receive frequent emails from the creditor that I need to re-link my payment account to ensure no future delays in payment processing. 

To my dismay, I received notice that my account was past due after viewing my credit report. I have always made sure to pay the {$8.00} charge for my subscription service. I reached out to a customer service representative in the " XXXX XXXX '' attachment, you will see my exchange to which the rep acknowledges there should be no late payments reported to my account and there was an error with my payment posting. I was reassured this would be removed so there would be no adverse effects to my credit report. This has not happened and I would like this matter investigated immediately. 

Kind regards, XXXX
Product: Credit card or prepaid card

I purchased a sofa from XXXX on XX/XX/17. They charged my credit card for a deposit and also made a pending charge for the balance which is not due until the sofa is delivered. They create pending charges for the balance every 10 days so that there are multiple pending charges against my credit line. CitiBank keeps pending charges on file for 30 days. XXXX  is under the assumption that the pending charge falls off after a few days. I have asked for XXXX and CitiBank to delete the multiple charges and they refuse. While I do have sufficient credit available to me for my purposes, others may not. I can see that some cardholders may be inconvenienced or hurt by this practice. They give priority to the merchant who continually places multiple pending charges on the card rather than the consumer whose available credit has been reduced.
Product: Bank account or service

Here 's my Chase Bank story. I was reconciling my checking account when I noticed a discrepancy of more than two hundred dollars. I checked the account history and noticed a check, # XXXX, was cashed for XXXX dollars right before the end of the year. What tipped me off to this check was the number. I 'm on check # XXXX now. I do n't right that many checks. This was a check written over 5 years ago to a XXXX tutor for my son. The tutor misplaced the check and requested we send another with my son next time which we did. We still have the e-mail requesting the replacement check. I have had no contact with this person since. When I approached Chase with this issue they assured me the money would be put back in my account that day. It was n't. I contacted Chase the next day and they said they were putting their claims department on it and it might take two days to get the money back in my account. I was contacted by Chase and asked if anyone contacted me regarding the validity of a five year old check and I replied no. The money was put back in the account and I was informed it was still under investigation and the money could be taken back. I asked that they do not take any money out of my account without my knowledge. They took the money back out. I am so done with Chase Bank.
Product: Credit reporting

I HAVE TRIED UNSUCCESSFULLY FOR XXXX YEARS TO GET MY TRANS UNION REPORT ; IT TELLS ME TO COME BACK LATER, THEN SYSTEM SAYS CONGRATULATIONS YOU RECEIVED ALL OF THE REPORTS, BUT I ONLY GOT EXPERIAN & EQUIFAX & CAN NOT GET THE TRANS UNION REPORT. I NEED THE TRANSUNION REPORT TOO.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus have not done what Ive asked. I will be providing an identity theft report below and Im requesting them to be removed because their are inaccurate and not mines. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On the date of XX/XX/XXXX, I purchase a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leased vehicle XXXX miles with Capital One Auto Finance ( COAF ) as the lienholder. Shortly, after purchasing the car, I continuously had mechanical issues with the car. But, on the date of XX/XX/XXXX, the car had a major engine failure, which I had towed to the local XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, because the car can not be driven, but do start. After a diagnostic test on the engine the minimum estimated repair cost is {$5200.00}, not including labor cost. 

I contacted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, and I also contacted COAF to make them aware of the situation that I was having with the car. Due to my persistent and sought after legal advice, XXXX was willing to take accountability, and buy the car back, because of the mechanical issues that I was continuously on having with the car. On the date of XX/XX/XXXX, Legal Supervisor of XXXX XXXX informed me that XXXX would be willing to appraise the car as is, and make an offer to buy the car back, if I had the car towed to the nearest XXXX dealership. So, I had the car towed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX to have appraised. After the car was appraised I received a very fair offer of {$17000.00}, which was {$4000.00} less than XXXX XXXX XXXX value of {$21000.00} due to mechanical issue of the car. But COAF was not willing to release the title to XXXX XXXX XXXX for what the car is actually worth, because the think the are entitled to over {$17000.00} in negative equity in the car. I informed COAF of a reasonable solution to the issue, which in turn they declined. 
During the fourteen months that the car was operational, and I was able to drive the car I made my monthly payments on time. The car has not been drivable, and jus been parked in my driveway since XX/XX/XXXX. I did stop making payment on the car for the past three months. So, COAF is fully aware of this major mechanical issue with the car, but still wan me to make monthly payments. 
I recently checked my credit report, and COAF has added this negative item to my credit report in the amount of {$34000.00}, plus two missed payments, which to date has reduced my credit score over a XXXX points. 
For, COAF to add this amount of {$34000.00} to my credit report is an abuse of debt collection, and the use of negative credit reporting as a threat. Because, not one time has COAF reached out to me about repossessing the car or nothing. The reason why COAF has not repossessed the car is because of the minimum estimated repair cost of {$5200.00} or more, not including labor cost, and because of the car resell value, but would like to keep this negative item on my credit report even though they do not want the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I paid the agreed settlement amount to MRS , in which it would be removed from my credit. My credit is not updated and its affecting me and I would like it removed. I tried to apply for a loan and was denied due to this matter.
Product: Credit reporting

Ongoing saga of fraud malice and deceit from verizon. MY 1st complaint exposure of there sloppy deceptive ( commonplace ) practices starts in XXXX 2015, to you and FCC. These clowns have fraudulently used my personal information to create, harass, insult my intelligence. This putrid company of lying thieves, proclaims I owe ( XXXX ) balances!!!!! There is ( XXXX ) outrageous XXXX and deception in my credit files, with this derelicts at experian and transunion. Equifax is the only one using XXXX, can see this is duplicated fraud and harassment. These putrid lying thieves at verizon claim I owe them {$320.00} and {$980.00}?! # Idiots deceived XXXX collection agencies to come at me with a bill for {$980.00}. NOW this ( ruse ) to harass and deceive ( XXXX ) accounts. OUTRAGEOUS, when has ( any ) creditor claimed XXXX seperate balances, same account/complaint of deceptive billing practices to mask there worthless excuse for ripping off ( OVER ) XXXX from there own customers. I do n't owe verizon anything, they lied cheated me with there fraudulent ( cramming ) overcharges cryptic balance forward billing deceptions. Example I checked my statements these thieves claimed they gave me my proper credit for a deceptive billing for {$170.00} pre-charging early termination fee, for trying out a ( worthless ) un-saleable product, there google tablet, Other charges column, these XXXX recharged me the ( SAME ) {$170.00} pre-charged early termination fee. This is why I am fed up with this XXXX company. 7 years of aggravation, manipulated, confused billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested through writing request that the following inquiries and the in its companies remove these inquiries ... .XXXX XXXXXXXX on XXXX XXXX XXXX Bank XXXX XXXX.. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX .. All these inquiries were done without my consent and didn't pass thru thefraud alert have on my account but XXXX continues to report as if committed them and I didn't. I have requested that it be removed from all credit reports and XXXX is the only credit reporting agency how has take my request seriously. XXXX has allowed fraud to take place and not protect my credit even I have a fraud alert but the inquiries remain. This is my third request to resolve this problem. Next time will result in legal
Product: Credit reporting or other personal consumer reports

There are many address on my report but the only on that should be in there is XXXX XXXX XXXX XXXX XXXX ca XXXX Ive stated several times and made multiple disputes that all other address on my account are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX I attempted to create an account to view my report for accuracy. However once i input my debit card info to pay, the site immediately caused an error. It displayed a number to call as well as email address for help but No live person. I tried several times and used all the options in the menu but to no avail. I even sent them an email to the help desk but no resolution. I went online and tried to sign in with my username XXXX. It prompted me to pay {$1.00} again. So, i entered a new debit card number and it gave me an error message stating to call a toll free number. I finally found another number to call at XXXX and it got me to someone. i was transferred three times only to be told my account was locked out for 24 hours due to too many unsuccessful attempts. I explained that i haven't even used the account and cant get past this error. I record all calls, so if i dont get a resolution I'm sending the calls and screenshot to the news.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX {$14000.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX {$3100.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$500.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$3100.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$33000.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX {$2500.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX {$260.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3300.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX {$1500.00} DATE OPENED XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY
Product: Checking or savings account

I am filling out a complaint with the CFPB regarding Capital One failure to deposit my direct deposit from my employer, and any other incoming deposits. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit report XXXX. After several tries to get the XXXX XXXX ( XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the XXXX and Transunion files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.
Product: Credit reporting or other personal consumer reports

As of XX/XX/24, Report # XXXX - Experian is still reporting various names, and undeliverable addresses and i don't know of or have never reside at and im requesting correction and updates. Also, I'm requesting update for my current phone number and remove the spouse 's name from my report as well.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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 the
y 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. 


EQUIFAX 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 21 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! 


Update the late payments from my consumer reports
Product: Checking or savings account

On XXXX after intiating a {$200000.00} transfer that ws inerrupted by an error message aI was directed to a {$100.00} marketing promotional scam with a phone number which wanted credit card information and invasive continued to intimidate me. 

i called Macus by Godman Sachs and endued hours of multiple supervisory requests before XXXX, a supposed supervisor said she would delete future marketing intrusions. 
REALLY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX This account is showing XXXX different versions of XXXX  year history across my credit reports. 

On XXXX the account was XXXX days late in XX/XX/year> and is still reporting an " on time '' payments status On XXXX the account was XXXX days late in XX/XX/year> and is reporting " charged off '' On TransUnion the account has no XXXX year history at all The dates of payments listed on my credit report are inaccurate across all three major credit reporting agencies, including yours. These dates do not accurately reflect my actual payment history. 

If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are XXXX % accurate so it is deemed INACCURATE. Please delete this account from my report. Account number : XXXXXXXX XXXX XXXX Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), if the information is found to be inaccurate you are obligated to promptly delete it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I noticed an item was placed on my credit profile for a medical bill that was never brought to my attention. MedicalRevenueService ( {$750.00} ) I was never sent a bill, never was notified that I owed this money. As per my report it states it was a bill from XXXX/XXXX/XXXX in which I did n't even visit the hosipital at that time. I want this item removed from my report as I have no Knowledge of the account nor was I even notified that this was being inserted onto my credit. I opened a Credit dispute on this issue with XXXX  XXXX/XXXX/XXXX. I am awaiting the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX  XXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX Late Date XX/XX/22
Product: Debt collection

My complete identity includeing Id, passport, social security card, birth certificate, credit cards, debit cards ect. Was stolen out of my car in XXXX of 2021. Various accounts has been open in my name because of this. A police report was made and i also have the case number Case # XXXX