23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been with Capital One since 2017, I am a good client. I had to go over seas and thought I had no balance however I have now XXXX late payments which killed my credit scores. I have worked hard to have perfect credit for many years. Is there anything that can be done?
Product: Debt collection

Please see the attached correspondence. I am the Federal Fiduciary of VA benefits for XXXX XXXX XXXX. He is currently under the care XXXX Prior to his approval for XXXX, he incurred XXXX expenses at that facility for which I am personally being harassed by Transworld Sytems Inc. for payment of that debt. I am not his legal guardian, nor liable in any way for his debts. I merely receive the VA benefits and dispurse them in accordance with the law for his care.
Product: Credit reporting or other personal consumer reports

I believe that FCRA 605B requires us to delete any incorrect accounts from my credit report. Please check the documents, as there are inaccuracies in the reporting, amounts, and dates.
Product: Debt collection

Perfection collection of Utah continues to dispense adverse information to XXXX/ XXXX . It is my understanding that Perfection collection purchases accounts from XXXX XXXX XXXX. We felt that XXXX back in XX/XX/2015 was supposed to activate our account and provide alarm services to us at approximately $ XXXX/ month. 

Since I have had equipment existing in the house from XXXX, we informed them that all we needed was a key pad change. 

After sending out a tech to install the key pad, I was astounded when I received a bill for over XXXX for equipment! 

Despite my attempt to correct this misinformation, we have not had success. 

Recently, perfection collection in XXXX, Utah purchased accounts from XXXX and now claims I must deal with them directly, despite several attempts to resolve this issue that has negatively impacted my credit. 

To date, we have not been successful. We essentially had no service with XXXX and we felt that they reneged on the contract by not telling us before- hand what the price of installation will be. 

We are asking you to review the above and tell us if you can be of help have Perfection Collection remove the adverse information that negatively impacts my credit report. 

The credit card company, XXXX XXXX investigated the charge and later removed for lack of evidence to support the claim of > {$4000.00}. 

XXXX reputation precedes that as the internet shows numerous customers who were XXXX! 

Working with other credit companies was not helpful.
Product: Credit reporting

In 2013, I received a Form XXXX Cancellation of Debt from XXXX XXXX XXXX XXXX for a credit card. I paid the taxes associated with this amount on my XXXX 2013 income tax return. This amount was charged off by XXXX. Currently on my credit report the " Recent Balance '' states {$25000.00}. This is incorrect. The balance should be XXXX. The balance of {$25000.00} needs to be removed.
Product: Money transfer, virtual currency, or money service

on XX/XX/2021 my account said i had {$630.00} available in cash. i withdrew the money to my bank account. On XX/XX/2021 i was told i was told there was a duplicate credit to my coinbase account and i needed to repay {$630.00}. Until i pay i cant buy or sell crypto on my account. Also if in 5 days the money hadnt been paid coinbase would sell some of my crypto for the payment. Today is XX/XX/2021. After numerious email correspondence still no resolve. Ive alway had a balance of {$1000.00} dollars so there never was an issue for coinbase to collect their repayment. I am still froze out of my account with a balance over {$2300.00} dollars. I fill coinbase has stolen my money.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I check my credit report regularly, and this time, there were unexpected discrepancies. I even refreshed my browser to check if it was a glitch, but the errors remained. Im deeply concerned and ask that the documents Ive provided be reviewed thoroughly to ensure I dont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

investigation took more than 30 days i am writing this due to non-compliance with the ( XXXX, XXXX, TransUnion ) have failed to remove information that affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and a outright refusing to uphold the law
Product: Credit reporting or other personal consumer reports

Heres a revised version of your message with a more formal and structured tone : To Whom It May Concern, I am writing to express my concerns about the fluctuations in my credit score despite maintaining a consistent credit history. Recently, I observed that my credit score decreased by XXXX points, even after I paid off my XXXX XXXX card, which had a balance of over {$1700.00}. This payment was made in full, yet there has been no positive reflection of this effort in my credit score.

Additionally, I conducted a single credit inquiry, and this action caused my score to drop significantly. It seems inconsistent and unfair that my hard work to keep my credit in good standing with all my creditors is not being accurately reflected. These fluctuations negatively impact how creditors, including loan officers, perceive my creditworthiness. I would like clarification on how such scoring practices ar
e legal and why my efforts to improve my financial standing do not result in appropriate updates to my credit score. Please provide detailed information on how these changes occur and the steps I can take to ensure my credit score accurately reflects my credit behavior.
Product: Checking or savings account

I received a coupon for Chase email with an offer for {$300.00} for opening a Chase Total Checking account, {$200.00} for opening a savings account, and {$900.00} for doing both. I opted to do the {$300.00} checking acct. The green button said Open an acct and states Coupon code applied when you click open an account. For the {$300.00} checking offer it asked for any direct deposit to be added to the account. I signed up XX/XX/24 and made a direct deposit XXXX, XXXX, and XXXX XXXX. I reached out to support starting XX/XX/XXXX as I did not receive a bonus for the first deposit XX/XX/XXXX. The representative stated the code was not on my acct and could not be added after 21 days. This is not true because the link stated coupon code was automatically applied when going through the link. 
I then called the chase telephone line and the representative stated they can see the coupon but i'm not a new customer and escalated to his supervisor. The supervisor confirmed that is not true as I have not had a checking account over 2 years and that I was eligible as a new customer and had made proper direct deposits and that they would escalate. A representative called back XX/XX/XXXX and inquired about the account and I gave info about not being customer over 2 years and said he will escalate and call back. No one called back. I reached out the next week and an agent said the ticket was open and to just wait. I followed up again today because no one has called and the agent said the agent closed the ticket XX/XX/XXXX even though he said he was working on it and would escalate still because I had not been a member and was looked at as a new member. 

Used {$300.00} Checking promotion/ Satisfied direct deposit Have not had a checking acct over 2 years Chase is not holding up on their part of the deal to pay bonus. I was mislead with opening acct. I was told by the supervisor I was in the right from Chase because I was a new customer because of time since last closed account, I used the promo. and made a direct deposit. They have since lied to me and not honoring agreement set.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a car loan loan on XX/XX/2021 through XXXX XXXXXXXX XXXX XXXX, I purchased the car through a local dealership. Our loan paperwork showed our first payment was not due until XX/XX/2021 and then the XXXX from there on out. It has been current each month, the XXXX the payment was posted on XX/XX/2021, which would only make it XXXX days past due date. However, the bank is saying it was XXXX days behind which isn't accurate and I have proof. They refuse to remove the derogatory mark.
Product: Debt collection

Every Monday morning, I receive a text message from an unknown 5-digit number ( ex. XXXX ) who claims to be Halstead Financial Services. They claim that they are attempting to collect a debt on behalf of XXXX XXXXXXXX XXXX XXXXXXXX. ; however, there are no debts on my credit reports to that bank and I am unfamiliar with them. The text includes a suspicious link to open their portal and a cell phone number to call : ( XXXX ) XXXX. When I opt of by sending STOP, a different number texts me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX has violated my rights. I have sent many certified letters to the original creditor company mentioned above and to the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is my 4th complaint and i decide to make this one directly formal with the CFPB because the original creditors company and the credit bureaus didnt do anything to respond or to solved this matter. I do not recieved any letter or document from the original creditor nor the credit reporting companies, in fact no real proof evidence of such or any invenstigation made. This is my personal information and I have the right by law to only be reported with 100 % accurate information. A lot of unverifiable delinquencies reported to my personal credit file and nobody takes an action with the credit reporting companies nor the original creditor company. Bellow are the confirmation numbers of the certified letters by date I have sent to try to solved this matter with the credit reporting company and the original creditor : XX/XX/2023 XXXX. # XXXX Transunion XX/XX/2023 XXXX. # XXXX XXXX Bank XX/XX/2023 XX/XX/2023 XXXX # XXXX Transunion XXXX XXXX XXXX # XXXX Transunion 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my writing instructions.

15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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: Checking or savings account

On XXXX XXXX, my HSBC XXXX account : XXXX was suspended. My HSBC US app can not login. Also the HSBC XXXX account linked to my other global HSBC APP such as HSBC XXXX app, can not be viewed. 

I called HSBC XXXX customer service, and wait for more than XXXX minutes, and got an reply that I need to wait for further information and no other information for the time being. 

It is been more than XXXX weeks however, I don't get any reply from HSBC XXXX and my account is still suspended. 

Please help ask HSBC XXXX unlock my account. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company with my identity theft report for fraud refuses to delete fraudulent information they say they cant dispute inquiries this is ridiculous when Im the last with my police report they would send me a letter of deletion and now they give me a hard time and refuse
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX 

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

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Debt collection

In XXXX XXXX XXXX issued me a credit card after having a secured credit card with them. I got injured in XX/XX/XXXX and was out of work to make the payments to them. I notified them of the issue and said I could make $ XXXX payments. They wanted more money on the payment. They constantly called and emailed me harassing me to pay them. Then a couple months it was quiete until my roommate was ambushed by a process server and she signed for it in XXXX. The lawyer office of XXXX XXXX XXXX XXXX kept sending letters with my name on their along with my roommate. I tried contacting the credit card company again to try work out a plan. No response. Now the attorney office is garnishing my roommates wages with no notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a natural person and i am submitting this complaint/dispute on my own behalf NOT any third person. I have personally disputed an inaccurate account with the CRA Experian as well as the furnisher of this information twice. On XX/XX/2022 i mailed in a third certified letter to to dispute this incorrect information they are reporting. I recieved a notice from Experian on XX/XX/2022 that account has been verified as accurate. Experian is reporting an account from XXXX XXXX XXXX ( a debt collector ) on behalf of XXXX XXXX XXXX due as of XXXX XXXX in the amount of {$1000.00}. I have a letter from the original company stating that the amount of {$1000.00} was due on XX/XX/2022. How can an account be past due from XXXX if it isnt due until XXXX. I also sent a certified letter to this company to validate this debt with NO RESPONCE. This inaccurate account needs to be DELETED
Product: Debt collection

The credit collection agency put this alleged account on the credit bureau files BEFORE they gave me notice about the alleged debt. Just received notice of alleged debt in the current month. 

I reported debt as not being mine to the three major credit bureaus. 

It says that the original creditor was XXXX XXXX. 

Requested that the collection agency provides documentation that shows who got this contested account. In the absence of proof of ownership, the collection agencies removed the accounts from my credit bureau file. 

Shortly after the credit collection was removed from my credit reports, one of the credit bureau agencies notified me that the account has been reinstated on my credit files. 

The credit collection agency also says that I paid the account in XXXX 2021. I made no such payment. 

I still have received NO documentation, such as credit application, that the debt is mine.
Product: Credit card or prepaid card

CitiBank responded with no valid information that proves they are the original creditor. Any competent individual will be able to understand exactly the type of informationa and documentation I am requesting. I feel as though this response was put together to discourage me from exercising my rights. I have attached their response and my response to their email can be found below ; " Hello, I have received your response and thank you for responding in a timely manner. However, I need the name of the individual who prepared this response. I will also inform you that I am of age majority and competent. I understand the laws I am reading and exercising my rights to remain in honor. Unless this response was drafted by a artificial person, Im sure you ( Agent and principal ) and I ( competent consumer ) knows that this response does not at all fulfill my request. This is my final notice to cure. I will be escalating this issue with the XXXX, XXXX and XXXX, I will also file a complaint with my attorney general. Please refer back to my complaint and respond accordingly. Furthermore, I requested specific information and gave specific instructions. This notice constitutes as silence, as it did not address the root of my complaint. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS STILL REPORTING THE ERRONEOUS COLLECITON ON MY CREDIT REPORT. THIS WAS PAID TO XXXX DIRECTLY WHO IN TURN STATED WOULD REMOVE THIS FROM MY CREDIT REPORT HOWEVER, IT IS STILL REPORTING AS OPEN, UNRESOLVED AND AMOUNT DUE NOT TO MENTION THE HARASSING CALLS FROM THIS COLLECTOR FOR THE AMOUNT THAT IS NOT OWED IN FIRST PLACE .... PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022 and again on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX and XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Checking or savings account

I opened an account at Associated Bank  on XXXX XXXX, XXXX  with a signup bonus of {$500.00} if I received a direct deposit of {$500.00} and maintained $ XXXX in a certain period. I have met all the requirements and my friend who opened the account on the same day had received the bonus on XXXX XXXX, but I still haven't received the bonus. I called the bank many times and they promised to help me fix it, but every time either I didn't get a callback or they gave me different reasons. The newest reason they give me is that I didn't make an open deposit when I open the account, but the truth is I gave the check to the banker XXXX XXXX XXXX XXXX when I opened the account, but he told me no need to do that, just doing the direct deposit is enough. I have made more than $ XXXX deposit, if I was told even a word about the opening deposit of {$25.00}, I have no reason not to do that. 
Besides, the advertisement only shows : Heres how to get your bonus of up to {$5000.00} ... 
Open a new checking account today and : Have direct deposits totaling {$500.00} or more into your new checking account, within 90 days of account opening. 
Grow your balanceand your bonusby simply adding funds into your checking or other deposit accounts. 
Collect your bonus in 120 days! 

There are no words talking about the opening deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card with XXXX XXXX XXXX in XX/XX/XXXX. My credit report shows that I had no delinquent payments from XXXX until XX/XX/XXXX. Between XXXX and XXXX of XXXX I was in contact with XXXX XXXX XXXX to close the account. My main concern with the phone calls was that I would not have a negative mark on my credit report for closing the card. 

Upon checking my fico score and credit report this year, I discovered XXXX XXXX XXXX did in fact mark my payment as 30 days late. Additionally, they refused to give me credit card statements for several months due to going from an in third party credit handler to an in house credit handler. 

Attached is an email with the contact information of the person I spoke with, My final statement showing I had a {$0.00} balance in XX/XX/XXXX, a printout from the credit monitoring company I am using showing that I do have a 30 day past due mark on my report which is false and occurred while closing out the account.