23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have tried to get Transunion to properly report my account for years. Transunion is causing a personal injury to my family and I by not reporting the correct information. The usage updates automatically numerous times a month. My payment on my accounts are not being updated and are adversely affecting my accounts and my credit. I have screen shots and recorded phone calls with banks and representatives of Transunion. Transunion always blame the institutions and vice versa. This in sure is a trend impacting certain demographics more than others. I have over half my accounts pass the XXXX day mark with no update. I'm trying to get out of a hotel to find a home. If my credit card usage goes up everyday and my payments do not update there is false information projected by Transunion and the other two major credit distribution organizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers License as well as a copy of my utility bill for personal identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I noticed this debt on my credit reported I disputed the debt as it is not mine and yet it still has not been removed. I have contacted the company in XX/XX/2022 asking for a copy of my information which they could not provide me.
Product: Credit card or prepaid card

Chase sent me an email today with the innocuous title " Important information regarding changes to your Chase account '' ( they often use similar titles for ads and other communications ). 

In it, they force me into binding arbitration ( despite that never being something I had agreed to and never being a part of any contract between me and them ). 

They do include a method to opt out, but have no additional information about the consequences ( many other people I've seen who have had a similar problem are afraid that Chase will close their account if they opt out ) and, even more egregiously, despite Chase simply sending an email doing this, they require me to mail them a letter with my personal information enclosed in order to opt out. 

This is clearly less secure and a massive loss of both my time and money that is clearly being used solely to dissuade people from opting out. 

This is blatant malpractice by Chase.
Product: Student loan

EdFinancial has changed my student loan terms, conditions, interest rates and types. Fully described with supporting evidence in the attachment.
Product: Credit card or prepaid card

Hi Folks, Good Morning. I have 2 Credit Card accounts with Capital One. I was out of country for 2 months in 2022 and was unable to login to the accounts because Capital One send the OTP to my phone number only and they don't have the ability to send OTP via email. Since it is impossible to get phone access out of country I was unable to login and pay the credit card on time for that month. Capital One promptly reported it as late payment to the Credit Bureaus. Since I came back I put my accounts back on track cleared all dues and called Cap One and told them the whole situation but they were acting very unprofessionally and being rude instead of even bothering to listen to all that happened that caused the late payment. Finally I called back 5 months later and the supervisor XXXX did not even bother to understand the situation and instead gave a CapOne address in Utah that she wanted me to send documents by snail mail and complaints with all my details including SSN, DOB, Flight documents etc. She also said they don't have a website or even a phone number to reach out. Isn't this ridiculous in this day and age? Isn't it shameful for the Supervisor and Capital One to behave in such a careless manner? All you could have done is understand the issue of the customer see if that is valid and proceed from there? It is a simple question, Does Capital One have the ability to send OTP to Email or not? If you answer NO then accept it and apologize and work on it so other customers are not having same issue in future. Don't try to hide by being rude and talk rubbish. Also I insist that CapOne provides OTP by email so it does not impact other customers in future. Thanks, XXXX
Product: Credit card or prepaid card

I have been a longtime customer of Capital One. I disputed a charge for {$1400.00} for a case that was suppose to be taken care of and never was. I did not have a contract with the attorney. He just took my money and has not returned any phone calls. I have nothing in writing from the attorney and he never filed a case. So I disputed it after I couldn't get ahold of him for a year. Capital one claims they sent me a dispute but they never mailed it and I never received it. I have gone back and forth with Capital One on this matter with them rebilling me after giving me the credit several times now. Now, Capital One has rebilled me on 2 separate credit cards for {$1400.00}. And no explanation.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX. XXXX {$390.00} # XXXXhas violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

d according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 in accurate.
Product: Mortgage

We made a first payment on XX/XX/2020 to our loan servicer which is Shellpoint Mortgage per the loan transfer document we received after our refinance. That payment was never applied and we have contacted them no less than six times in the last 60 days asking for the payment to be applied. We have sent all of the required documentation showing proof of payment to include bank statements and electronic proof of payment from our bank. They are barely responding to us and are not solving the problem.
Product: Credit reporting or other personal consumer reports

Please see the attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account but they contacted my ex husband and reopened it with him, I asked to be removed from account they will not so I insisted they close again. Now 15 years later ex is not paying but XXXX  will not allow me to pay because I dont not know mailing address, card number or security question but they can pull up account by my ss #. If they will not allow me to pay it should not be reported to my bureau dropping my score significantly. XXXX XXXX removed this account I would like all bureaus to see this as well and remove this account. I dont think I should be accountable for something I cant control. I spoke to supervisors at XXXX  and they apologized but could do nothing for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen this company on my credit report XXXX XXXX  and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Product: Credit reporting

credco continues to spill out nothing but lies. they continue to insist that their report to quicken indicated no bankruptcy. yet I have in my possession not XXXX, but XXXX rejection letters using now what can be considered to be bold faced lies. at this point it is now criminal in nature. the fbi should investigate.
Product: Money transfer, virtual currency, or money service

I was victim of a scam. I received an email ( it seemed from someone I know and trust ) asking to buy gift card and send back by email. I did that since I was told was a birthday gift. However I then realized it was a scam since they kept asking me to buy more and more gift cards and when I asked more details, that failed to provide. I alerted the fraud department and all my credit cards company. However I was told by credit card company that I wont get my money back since this was a scam and not a fraud.
Product: Money transfer, virtual currency, or money service

I am filing this legal action against XXXX XXXX XXXX due to their refusal to release my pending payments, which were transferred to my revenue account some time ago. These payments have been suspended since XX/XX/year> without any clear explanation or resolution to the issue. 

In early XX/XX/year>, I contacted XXXX support and was informed that the system was suspending payments and that the case had been escalated to the specialized team. I was assured that I would receive a response within 14 days. However, after this period, I did not receive any feedback or resolution. When I reached out again, I was told to wait an additional 30 days, but again, no response or progress was made regarding my issue. 

Despite reporting this problem multiple times and providing all the necessary details about my account and the payments owed to me, my case has continued to be ignored, which has only complicated matters further and prevented me from receiving my rightful funds. 

Therefore, I request that the honorable court take legal action against XXXX to compel them to release the payments owed to me and take the necessary steps to ensure these payments are processed without further delay or obstruction. 

Thank you for your attention to this matter. 

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

I am writing this in response to responses I am getting from my credit report disputes. I have sent in several dispute letters to the three credit bureaus ( XXXX, XXXX and Equifax ) with questions on the validity of these accounts listed on my credit report. I also have asked for them to send me documentation proving these accounts are my accounts and asked for a contract of some sort they would have on file with my signature. They keep sending responses saying the accounts are verified and the creditor says the accounts are mine. They have not sent me any documentation. The credit bureaus also send me updated reports saying the item I disputed has been updated on my report. I look at the updated report and it shows that a payment was recently made. I have not made any payment on any of these accounts. 



XX/XX/2020, I also sent in factual dispute letters because these accounts are listed with so much inconsistent information, and I just recently became aware of them. They are showing different high balances across the 3 credit bureaus and different last payment dates. Very inconsistent numbers. THey are supposed to be the same all across the board. If they are getting the same information from the same creditor, why are these numbers different. I asked them to please delete the accounts due to my rights under the FCRA. I also sent in proof to them showning the inconsistencies. I received updated copies back of my credit reports and it says the information was verified, but still shows inconsistency in the numbers/information. These numbers should be the same all across the board. 

The accounts that I have/am disputing and are not factual or reporting correctly are listed below : XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX  XXXX/XXXX  ( XXXX ) XXXX/XXXX  XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  ( XXXX ) XXXX/XXXX
Product: Debt collection

on XX/XX/year> I called Jefferson Capital Systems to ask about this debt. I did not have any knowledge about this debt. I was told they bought the debt from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX charged off my account and is still reporting to the credit bureaus negatively. I ask to give me my account information payments from the time i opened the account and they only had information from a later date.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX. I saw I has some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX. These inquiries has no permissible purpose to be on my report. Delete this inquire due to violation of 15 USC 1681b
Product: Debt collection

As soon as I called out that they had taken XXXX payments without my authorization suddenly I start getting emails from fake collections emails. I got two seperate emails in a week after I told them I would not be paying them anymore since they violated my rights and broke the law. I believe they sent me these emails as a way to collect more money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : - ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX - XXXX XXXX Inquiry : XXXX. XXXX, 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 card or prepaid card

Citibank is engaged in financial discrimination by blocking my access to credit. I have had three transactions recently rejected ( two from vendor XXXX XXXX and one from XXXX XXXX at {$35.00}, XXXX and XXXX, respectively ). Two were done on XXXX and one on XXXX and they were for collectibles such as foreign banknotes and coins. When I contacted Citibank twice on XX/XX/XXXX and XX/XX/XXXX I was told by both supervisors ( XXXX # XXXX XXXX and XXXX XXXX XXXX ) that the transactions were coded by merchants and XXXX as crypto-currency therefore they were blocked. Since I have never purchased or owned any crypto-currency I requested Citibank to provide the merchant/transaction code that would point to that characterization of the currency. The Citibank refused to provide it. One vendor made a statement to me that " I have never owned any crypto-currencies, but I did have another customer tell me the same thing. '' It is evident that Citibank is engaging in discriminatory practice and blocking my access to credit. Furthermore Citibank is preventing me from reaching a {$3000.00} spend which will qualify me for XXXX AA bonus miles withing 90 days of account opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get all three credit companies to remove this bankruptcy from my credit. All are reporting different information which none of it is complete or accurate. It has now been over 7 years an it has not dropped off yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, XXXX  XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This letter is regarding an account that's reporting since XX/XX/2017, which you claim I owe {$240.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Debt collection

This company is violating my consumer rights pursuant to 15 USC 1692g. I sent this company a letter on XX/XX/2022. I received a response ( see attachment ). I requested an audit trail for this alleged debt. I have no idea what this is definitely not an audit trail. This is my last time requesting this information or i will file suit. I want to be extremely clear on the next thing I'm about to say .... Once i file suit I WLL NOT settle out of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY DISPUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX