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

ON Sunday, XX/XX/XXXX, CapitalOne sent me an email advising i had a secure message to read regarding my Capital One Credit card accounts The message advised that Capital One was lowering my credit limit to {$5000.00} ( from {$13000.00} ) because i was " only using a portion of my credit limit. '' I subsequently received a letter vis USPS I called Capital one to question the decision - i ... I have been a customer for 7 years, i used their car every month and NEVER missed a payment. 
They told me they could not help me, to reapply for a credit increase in 6 months I filed a complaint on social media with the same response I will be XXXX this month - I believe this is an age discrimination issue
Product: Credit card

about XX/XX/year> an unauthorized charge was discovered, key bank latitude master card credit card. key would not investigate as claimed and refused to look at or consider all my information to verify it was a fraudulent charge, key advertises zero liability for this but then refuses to give it when needed. key used 2 different non existent and made up false reasons to deny the claim saying they had proof from the merchant that i acknowledged the terms and conditions yet what was sent was a invoice that showed no such thing and a typed 3 sentence note on a blank page not signed by anyone and no company letterhead to prove it was from any such company and did not even state any such terms and conditions or that i agreed to any. In a separate file or something that was illegally done the investigator put a different reason in the database as to the reason for the denial claiming i admitted participating in the auction ( even though i never was at it ) and that i agreed that the dispute was filed correctly by the rep and reason was fine the way it was, neither of which was true or accurate. the charge was pushed through peak by an administrator -which usually only handles corporate accounts, and did not have the correct city listed for my address and should have been rejected and not authorized as it was not my legal or verified address. i sent in proof that i didn't even have an account plus many other proofs and key refused to accept them or upload them into the case files. The false statements in the bank database as told to me by the XXXX Ohio office which is false and different from the reason on the letter i received from the XXXX, NY office which was also false and made up with no proof at all and shows something illegal going on with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Capital One ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX To Whom It XXXX Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Capital One Acct. # XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Send out a free copy of my report after the changes have been made. 

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

Ive been trying to submit an online credit report dispute to Equifax and XXXX for over a month and have gotten multiple technical difficulty notices on both websites one month ago and again today. Ive tried calling both agencies then and today, and have been told that their server is down or that they are closed. Ive even seen a notice that my information is wrong and they arent able to find my credit report when I got reports from BOTH of these agencies in mid XXXX. I was able to contact XXXX last month and theyve already corrected the erroneous late payment note on my report which immediately got my credit score over 700! Im trying to refinance my house and the credit scores from Equifax and XXXX are killing my chances of even getting a loan, much less getting a decent rate. PLEASE contact those folks and tell them to quit blockading their website in order to avoid doing their job!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my credit reports are reflecting a late payment on my JPMCB - CARD SERVICE account. This account is paid on time each month and my balance owed is incorrect. See enclosed documentation. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete this negative mark. I have previously contacted the creditor to update their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I have noticed some addresses that do not belong to me. I've never resided at these addresses provided below. This will be my second time attempting to have these addresses removed from my credit report. 

XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

I requested debt validation for debt. I requested information on how debt was calculated and they responded with 2 statements. The statements did not explain what services were rendered to justify total. Furthermore the statement total more than what is being reported to credit bureaus. The statement in which they are attempting to collect totals {$2800.00}. Reported to my credit is {$1100.00}. Lastly there was no evidence of contractual agreement between myself and the debt collector.
Product: Debt collection

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion still has not resolved the previous disputes nor provided required results of investigation and has been in multiple violations of the FCRA as per attached. Transunion has not paid violations invoice as attached.
Product: Prepaid card

Purchase a gift card for {$100.00} value in the state of Virginia, went to the store today and it was declined, called customer service and come to find out that the company had a data breach in 2021 but never pulled the cards out of the stores and kept selling them, now they ask me to go online and upload the card copy along with Id, the website is not working and when you call back then youre asked to send a fax along with personal information, the whole process is sketchy starting with a disabled website and not a trust business overall
Product: Credit reporting or other personal consumer reports

These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.
Product: Credit reporting

Hi, recently there was a statement sent out from XXXX XXXX to Equifax. The statement sent, after discussing a miscommunication, of a 12 month, 0 % introductory period/roll over account from XXXX XXXX XXXX XXXX, was contingent on 2.9 % of the total balance. I 'm now aware of the miscommunication and cleared late charges and brought my account to balance. Ther contingency is : there are no late fees, or interest charges, applied the first three months of my rollover, that should have triggered late payments. Please remove any adverse remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by a credit monitoring service of a hard inquiry made on my profile in an attempt to open a credit account on my name. Th inquiry was made on XX/XX/2021 from XXXX. 
I tried speaking with XXXX but was ultimately disconnected. I called trans union & the advised me to file this complaint. Please note this was unauthorized & fraudulent.
Product: Checking or savings account

am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX  about the unavailability of obtaining the reports. The customer service was no help, the chat function was no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Product: Debt collection

Synchrony constantly and persistently call me XXXX times a day despite me telling them that I forbid then to call me ever again and that I will only communicate via written mail. Their non stop calling almost lead to me getting fired from my job.
Product: Vehicle loan or lease

In XXXX of XXXX my wife and i found out that the XXXX XXXX had a engine in the vehicle that didnt belong.We found that the dealership or the previous owner had somehow placed either an XXXX or XXXX XXXX XXXX XXXX  into the XXXX XXXX XXXX.The vehicle in which my wife and i had purchased in XXXX.When we brought too the manager attention at the XXXX location.Was told too go too the XXXX location XXXX XXXX was the contact person that we meet with.My wife and i were told not too worry and that they XXXX XXXX was going too take care of us.Also pay of the remaining balance.Then instructed us too follow them too the financial Dept.All was paperless in which no numbers were displayed also the gentleman in the financial office stated that we didnt have too worry.About repairs of any engine nor electrical free of charge.All we need too do is just drive and change the tires when needed.That we were covered 5 years on the engine and 3 years on electrical components my wife and I received a flash drive of what was completed.The XXXX  XXXX placed us into a XXXX XXXX XXXX and charge us XXXXOn XXXX XXXX contacted XXXX XXXX XXXX XXXX and was told that we were charge XXXX roll over amount from a previous loan that my wife and i were told that they were going too take full responsibility for.Observed the dealership contacted our previous bank and paid off the faulty vehicle.Also XXXX XXXX placed over XXXX warranty amounts on top of additional XXXX XXXX XXXX my wife and i were told on XXXX XXXX was about XXXX or XXXX.Never did they mentioned that they were going too add on XXXX or lie directly too us just too complete a sale.We know for certain that we never agreed in paying double amount for any vehicle also they copy signatures and added too documents that they wanted.They planned for this the entire time also stated that we somehow agreed on what they did we would like justice thanks blessings.
Product: Debt collection

This account has already been disputed in the past, and I have provided all necessary documentation to prove that this debt belongs to a XXXX XXXX in Virginia, not myself, XXXX XXXX XXXX of XXXX, NJ. I have submitted my ID, social security documentation information, lease, and recent hospital records to support my claim, and it has been verified that we are two different individuals with different social security numbers and DOB. 

It is imperative that you issue this collection to the correct person, as this is the second time I am having to dispute this debt. It is clear that there has been a mistake, and I should not be held accountable for a debt that is not mine. I kindly request that you cease all collection efforts regarding this debt and update your records accordingly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. There's an unauthorized credit inquiry made by XXXX XXXX on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purpose. As such, it is a very serious error in reporting. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act, section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify this validity.

If you find that I was not one who authorized this inquiry, I ask that it be removed IMMEDIATELY from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, them please send me proof of this. Your immediate attention to this matter is appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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: Mortgage

Hello, This is in regards to Roundpoint Mortgage. 

My home was sold and the mortgage was paid off on XX/XX/XXXX. I never received the escrow overage of {$1400.00}. They have 20 days to return the overage. I called on XX/XX/XXXX and from there we decided the check they show they sent on XX/XX/XXXX was lost. They said they would cancel and re-issue the check. I called again on XX/XX/XXXX spoke to XXXX, once again said they will cancel and re-issue. I saw nothing showing this on the account online nor received an email or call from them which they said they would do. On XXXX called once again and spoke to XXXX. They said they would escalate this and get the check out ( after they already said it was out 2 times ). They were to get me a tracking number etc. Nothing so I called again the next day XXXX spoke to XXXX who assured me it was in the mail. Nothing!! I called again on XX/XX/XXXX spoke to XXXX that now says it was in the mail on XXXX and I would receive in XXXX business days. They have told me it's in the mail at least 4 times since it was lost. I need help getting an answer on this, terrible customer service. They keep saying the check is in the mail for almost 2 months now. I do not believe them. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove them asap as these are suspicious to me : XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Debt collection

stellar recovery dba XXXX keeps putting open accounts marked as past due on my credit reports i have disputed and had them removed 4 times since XX/XX/2014 they keep adding them back on my credit report even after admitting that these accounts are n't mine ... this is having a very negative affect on my scores and preventing me from buying a house
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in 60 days 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.

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! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. 
It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing this account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the XXXX affidavit from the site identitytheft.gov. 

Please dispute this account. This was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX