23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

as of XX/XX/23 I was charged XXXX USD from XXXX XXXXXXXX XXXX XXXX XXXX ( Puerto Rico ) which is XXXX USD higher than what should the bill. As of XXXX I opened the dispute with Wells Fargo bank that emitted the credit card. ( dispute number XXXX ). They said since I don't have a receipt from the restaurant on hands they closed my dispute without resolving the issue. I asked for the investigation them to request the prove of the bill from the merchant but they denied it. So I believe they don't fulfill their fiduciary duty as a financial institution to protect my assets.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies payment history.. I have asked to have them updated to " paid on time, paid as agreed, never late.. THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH DATE IN THE PAYMENT HISTORY FOR THESE ACCOUNTS LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT LISTED TO " PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY IMMEDIATELY ''. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO " PAID AS AGREED, PAID ON TIME, NEVER LATE '' OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( XXXXXXXX XXXX )
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed 8 entries that I believe may be inaccurate. The specific items I am disputing are : XXXX XXXX Partial Account NumberXXXX  Disputed Information : I do not recognize this account ; It does not belong to me. 

XXXX XXXX XXXX  Partial Account Number:XXXX Disputed Information : This debt is not accurate, and the dates and amounts are incorrect. 

XXXX XXXX XXXX  Partial Account NumberXXXX Disputed Information : Account is not recognized, this dept does not belong to me. 

XXXX XXXX XXXX XXXX Partial Account Number XXXX Disputed Information : This account is not mine. 

XXXX XXXX XXXX Partial Account Number : XXXX Disputed Information : Account is not recognized. 

XXXX XXXX XXXX Partial Account Number : XXXX Disputed Information : This debt does not belong to me I do not recognize it. 

XXXX XXXX Partial Account Number : XXXX Disputed Information : This account I do not recognize. 

XXXX XXXX Partial Account Number : XXXX Disputed Information : Account is not mine, and I do not own it. 

I request that you thoroughly investigate this matter and provide verification of dept via thee assignment contract. According to 15 U.S. Code 1692g, which is part of the Fair Debt Collection Practices Act ( FDCPA ), the conduct of debt collectors is regulated. This specific section outlines the validation of debts and mandates that debt collectors provide specific information to consumers regarding the debts they are attempting to collect. Please provide the assignment contract to validate my debt. If you are unable to verify the accuracy of the disputed information within the required timeframe, I kindly ask that you remove or correct it from my credit report.
Product: Debt collection

I was reviewing my credit report on XXXX and noticed a collection in the amount of {$1200.00} from XXXX. 
I previously disputed this debt and requested the bill showing the amount and where it came from. The bill was previously for unreturned equipment which had since been returned to XXXX. I didnt receive any letter from XXXX about a past due balance or a letter from that collection Agency Harris & Harris . I dont understand how these companies are allowed to ruin peoples credit without discussing or validating the debt.
Product: Bank account or service

A few months ago, I realized that Citibank had charged me XXXX of dollars each month for payment safeguard, a service I never signed up for, and that the CFPB has called an unfair and deceptive practice. I called and asked to quit the program and said I wanted a refund, and was given a fee adjustment of {$700.00}. Today I realized that even after that, I 've still been incurring monthly payment safeguard charges, and I called Citibank 's payment safeguard office again. ( I spoke to someone whose employee reference number is XXXX, if that 's relevant. ) She told me that the account showed that I had indeed cancelled the service, and she could n't explain why I was still being charged. She said she would put in a request for a refund but that it was n't up to her. This is XXXX of dollars a month. I do n't know what to do.
Product: Checking or savings account

I am writing to file a complaint regarding an issue I am experiencing with Capital One. My official payday is today, XX/XX/year>2025. This week my deposit did not arrive as expected. 

I received an email from Capital One acknowledging technical difficulties and indicating that deposits should arrive by Friday morning. However, as of now, the deposit has still not been received. 

I am concerned about the lack of safeguards in place to handle situations like this. While the company has acknowledged the issue, I have been unable to reach customer service for a resolution. When I do manage to get through, the representatives are unable to provide any helpful information or updates. 

This situation is unacceptable, as many individuals depend on their paychecks arriving on time to meet their financial obligations. I believe there should be stronger protections and contingency plans for customers in cases of technical issues that delay access to their funds. 

I respectfully request that this matter be reviewed to ensure accountability and that measures are implemented to prevent similar issues in the future. 

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

I never requested for an extended fraud alert to be added to my XXXX, Experian and XXXX XXXX credit report. I do not want a extended fraud alert or any fraud alert on my XXXX, Experian and XXXX XXXX credit report.
Product: Payday loan, title loan, or personal loan

Wells Fargo 2007, Wells Fargo offered me line of credit loans and used my house as collateral. I was unable to make the payments and asked them to consolidate as it would have saved my house and my family, they denied me and I filed bankruptcy in 2007. I was raising my boys alone working at XXXX XXXXXXXX XXXX XXXX XXXX in XXXX  MI at the time. It ruined me life and to this day my credit is bad and I live with my mother. My bankruptcy lawyer XXXX XXXX in XXXX XXXX MI. I lost everything, one of my sons  went to live with his Dad at the time and I lost half my child support which made things even harder. Wells Fargo ended up getting my house.
Product: Student loan

Per MOHELA, interested is accruing on my federal student loans ; however, per the SAVE administrative forbearance, interest is not supposed to be accusing. 
I made a payment on XX/XX/year> which brought my total loan balance down to {$220000.00}, which was reflected on my MOHELA and XXXX accounts. 
My StudentAid.Gov account ( updated XX/XX/year> ) reflects the accurate balance ; however my MOHELA account shows a balance of {$220000.00} ( increased over {$2000.00} ) since my last payment in XX/XX/year>, when interest is not supposed to be accruing. 
Additionally, MOHELA does not show a record of capitalized interest.
Product: Debt collection

I have received a text message from Credit Collection services XXXX XXXX XXXX XXXX XXXX which I have never used XXXX XXXX XXXX XXXX before so I think it is a scam. I tried their self service and try to get more information but it didnt work
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have attempted to unfreeze my credit with experian for over a month. I have sent them all documentation requested, and in return they do not answer their phone, emails or correspondence. I received a copy of my credit report with information that i requested a security alert. This is a total lie. Experian is holding my credit report hostage and will not unfreeze my report. 

I am trying to apply for a mortgage loan, and can not until my credit is unfrozen. XXXX and XXXX both unfroze my credit. 

these are the papers i received from them. I tried to log in with the report numbers, and it will not let me do this. 

I will lose XXXX dollars of earnest money if I can not get credit unfrozen. 

I sent everything to them as well as certified mail, over 10 days ago. 

These people are ACTING UNETHICALLY, AND THE FACT THEY DO NOT ANSWER THEIR PHONE, SPEAKS VOLUMES. THEY ARE FORCING PEOPLE TO BUY THEIR PRODUC T. THIS IS WRONG, AND THE GOVERNMENT NEEDS TO PROTECT US AGAINST THIS UNFAIR BUSINESS PRACTICE., They need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6500.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have already opted out via the official sites to receive NEW OFFERS from all credit card companies. However, I continue to receive these EN MASSE, every week. It is jamming up my mail box to the point that I can not open the keyed box.
<P/>
All credit card companies ... CHASE,
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, etc. This must stop.
Product: Debt collection

{$860.00} XX/XX/2018 no notice of debt or verfication of account or debt.
Product: Debt collection

I'm filing a formal complaint the creditor Atlantic Credit & Finance Incorporated for continuously sending me a wrong receipts even after there has already been a settlement agreement and a payment schedule arranged. 
My ACF Account # XXXX. On XX/XX/XXXX my XXXX XXXX ( XXXX ) Account was settled for the amount of {$3700.00} instead of {$7400.00}. The first payment was made on XX/XX/XXXX for the amount of {$5.00}, after this payment the total amount due went down to {$3700.00}. On XX/XX/XXXX a payment of {$180.00} was initiated that went the total amount due down to {$3500.00}. 
On a recorded line on XX/XX/XXXX, a settlement conversation agreement with XXXX XXXX, the total amount of {$3500.00} was agreed & settled to be paid every XXXX of the month by automatic debit on my account for {$170.00} starting XX/XX/XXXX until XX/XX/XXXX totaling to 20 payments. This settlement agreement was clearly confirm when XXXX XXXX send formal letter with payment schedule. The letter was dated XX/XX/XXXX. 
However, on XX/XX/XXXX a receipt was created and mailed to me stating that Atlantic Credit & Finance received my payment of {$170.00} and that my new balance is {$7100.00}. I immediately bring this error to the attention of Atlantic credit & finance Account representative. I called and discuss the issue to them and on a recorded line, the representative apologizes for the error and told me that my new balance after XX/XX/XXXX {$170.00} payment is {$3300.00}. But the same error occurred again on XX/XX/XXXX when my payment of {$170.00} for this month cleared, Atlantic Credit & Finance has sent me a wrong receipt again, it states that after they received my XX/XX/XXXX payment my new balance is {$6900.00}. It is clear that Atlantic Credit & finance did not correct or worst did not acknowledge the settlement agreement which is very frustrating & unprofessional. I strongly insist that Atlantic Credit & Finance have to honor the settlement & correct the monthly receipts they are sending me. I have determined that the new balance after my XX/XX/XXXX payment is {$3200.00}. I already called Atlantic Credit & Finance so that they can correct the error but it seems that their finance department did not anything about this. Atlantic & credit & Finance have to correct the correct balance as soon as possible.
Product: Credit reporting or other personal consumer reports

My credit report contains mortgage information for XXXX XXXX XXXX, XXXX ( XXXX ) with derogatory information which is incorrect. XXXX should not be reporting under my personal credit report as the house has been transferred into a trust making the mortgage business relation between the trust XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX. See attachments. Effective immediately, remove all derogatory information from XXXX. Also, going forward, do not accept or update my credit report with any information received from XXXX. Close my personal report to XXXX. 

Additionally, XXXX and Transunion are not reporting accurately as it relates to XXXX. XXXX does not report for XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXXyou made a claim claiming that the information was verified. In your response you said the account was verified by XXXX XXXX, I disputed the accuracy of this information and they could not verify the account! They Deleted the account. See Proof Attached. You have violated my consumer rights. You stated that the account was verified, how did you come to possess this information? I am very sure I did not give you any permission ; no permissible purpose. 15 USC 1681b ( 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. When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose. The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report. Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.
Product: Credit card

I am writing to you regarding a matter of utmost importance concerning an identity theft incident that has severely impacted my financial well-being. I have recently become aware of an account that is not of my doing and is the result of fraudulent activity. I am requesting your assistance in accordance with Florida state laws and FCRA During the mentioned period, I was XXXX overseas and did not have access to my account or my personal devices due to the nature of my service. Furthermore, I was made aware that my identity was compromised through a SIM swap scam and email take over, which allowed unauthorized individuals to gain access to my accounts and personal information. 


XXXX account # XXXX date open XX/XX/year> It is a fact that I am aware that the term " identity theft, '' as defined in 15 U.S. Code 1681a ( q ) ( 3 ), and Regulation V 12 CFR 1022.3, refers to a fraud committed or attempted using the identifying information of another person without authorization. This unauthorized account with XXXX/OPPLNS is a clear instance of identity theft as defined by the aforementioned laws. 
i have attatch police report I, XXXX XXXX, solemnly declare under penalty of perjury, that the information provided in this letter is true and correct to the best of my knowledge and belief. I did not authorize or engage in any transactions with FNWSE/OPPLNS or the associated account number mentioned above. I have attached copies of supporting documents, including the police report, to support my claim. 

I respectfully request that you promptly investigate this matter and block remove the information related to this identity theft from my credit report, as permitted by 15 U.S. Code 1681c-2 ( a ). Furthermore, I request that you provide me with a copy of my credit report that reflects this blocked information. 

Please send any correspondence related to this matter to the address provided above or contact me at XXXX if you require any additional information or clarification. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

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

For the last 6 months i have tried to resolve this matter in regards to my credit report after reviewing my credit report I never opened account with any third party company and therefore under 15 USC code 6802 B opt out law the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I do not consent to my dispute being graded with any electronic eoscar system. I demand a human to process this and if you deem the items as validated or verified i demand you to include 1.Names of The employees and officers of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain some disputed items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. Remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX I applied for a Capital One XXXX XXXX and got approved. At this same time I XXXX XXXX XXXX XXXX XXXX XXXX so I was not even looking for the card in the mail. I never received the actual card. Since I never received the card it was not activated. I did however received a bill from Capital one. I called to try to resolve the issue and I was sent a email asking for my ID, which I uploaded. When I called to follow up, I was told that the ID was not legible. I resent it a total of XXXX times The last time I resent it was XX/XX/XXXX and XXXX I called and was told that a XXXX would contact me in XXXXXXXX XXXX, I was also told that the balance on the card was over {$2000.00}. when the card was never activated and I was told on XX/XX/XXXX that the card was restricted. 

Capital one are crooks.
Product: Debt collection

I received a notice in the mail from State Collection Service Inc. with phone number XXXX. The letter was dated XX/XX/2016. It stated this communication is from a debt collector for a past due account from XXXX XXXX Hospital with service date XX/XX/2016 in the amount of XXXX. Per my bank, my check for payment of this account was cashed by the hospital on XX/XX/2016. I spoke to XXXX at State Collection Service and stated these facts. Her response was if the hospital had received payment from me on XX/XX/2016 then they would not have reported it to State Collection Service Inc. I replied I have a copy of the cancelled check so they had not only received it, but had cashed it and it had cleared my account by XX/XX/2016 which was 8 days prior to the debt collector mailing me the debt collection notice.
Product: Checking or savings account

On XX/XX/XXXX-XX/XX/XXXX I had a checking account with J.P. Morgan Chase Bank and between those dates I transferred approximately {$6900.00} into my account only to have it closed after I was done and still havent seen any of my money almost a month later
Product: Credit reporting or other personal consumer reports

in 2006 my dad co signed for me to get a home loan it has since been paid in full So my question is if both are names were on the loan and the deed to the house why is it not on my credit report I paid for the house but yet I get no credit for it