23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not providing update information to my credit report. XXXX XXXX shows a different balance on website than on credit report as well as payment history is not updated. I have previously dispute this item with the credit bureaus with no assistance, information is coming back verified each dispute. diverse which is showing in my credit report has no information on my credit file.
Product: Credit reporting or other personal consumer reports

I have items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

Wells Fargo opened unnecessary accounts in my name and I believe it impacted my credit score resulting in a higher interest rate on a new mortgage as well as twice refinancing a different mortgage with them. As a result, I am paying more on my mortgage than I would have paid with the higher Credit score.
Product: Credit reporting

There is a tax lien from the state of kansas on my transunion credit report. I have made attempts to contact transunion about the inaccurate information they have place on my credit report. There are numerous inaccuracies with the information they are reporting, the amount of the lien is incorrect, the dates of the filing is also not accurate. Even with these incorrect entries, they also refuse to report the lien as being paid, which as you are aware is devastating to my credit rating. The sheer fact that the state of kansas would let me go years without paying a tax lien is unheard off, they would have levied everything i have, garnished every paycheck and taken everything from personal banks to satisfy their lien. The simplest truth is that with this inaccurate reporting of what transunion has reported as facts has cost me dearly in terms of obtaining favorable credit in terms of home and auto loans, and on numerous occasions kept me from obtaining new credit with banks whether for personal or business. My resolution to this is for this inaccurate entry on personal credit report be deleted.
Product: Checking or savings account

I am closing my savings account with Capital one because I believe that I can't trust Capital one bank as they had allowed a Merchant to fabricate and take funds out of my account of {$150.00}, I contacted the FBI, Comptroller of Currency and the Federal Trade Commission. Therefore I am closing my savings account and want Capital one to close it permanently. This is a new complaint. 

I believe that Capital one is in conspiracy with XXXX XXXX XXXX and a member of the XXXX XXXX XXXX member organization with the Merchant, XXXX XXXX, and co conspired to steal {$150.00}. Capital One Bank and XXXX XXXX pay a fee to XXXX XXXX XXXX  to receive A+ ratings to defy consumers who have complaints against these businesses. Capital one bank did a fraudulent investigation regarding my dispute and allowed a Merchant to steal {$150.00} out of my account which I have no control. 
I have emails from XXXX  President that a refund is a return from XXXX XXXX of {$150.00} however Capital one is going to return the refund back to XXXX XXXX  ( See attached ). 
Another email XXXX XXXX sent to XXXX XXXX XXXX CEO ( See attached ) It is all a scam- Capital one is a part of a scam and I can't trust them with my money because they are a part of XXXX XXXX XXXX making deals because they are members of XXXX. The customers are not important, Capital one needs to be investigated for poor practices and policies. 

I believe that Capital one discriminates against the protected class, too. Capital one bank needs to be investigated for their practices and their connections with the XXXX XXXX XXXX I received a letter from the XXXX XXXX XXXX President that the money is going to be return back to me from XXXX  XXXX.
Product: Student loan

I have chosen a XXXX XXXX XXXX school in the town of XXXX XXXX, at XXXX, for my XXXX, they promised me and gave me a wrong information dramatically, just, only Federal loans will cover your two years of XXXX, they came to me one fine morning, they have asked me to sign a form to raise more private student loan by way of raising loan only your entire two year student cost 's will be covered apart from the Federal student loan, i could not do anything at that, since i have already started my classes in the middle of the semester, i was trapped and forced to sign that private student loan application form which was given to me by XXXX XXXX finance office, by way of raising the private student loan from XXXX XXXX XXXX XXXX to cover my student costs. I was not able to find an appropriate employment in my filed, and i am single parent / single father and raising my XXXX year old child, and now i am Haunted and constantly harassed by the collection agency called XXXX /First Associates of Loan servicing and a collection agency for the ( XXXX XXXX XXXX ) XXXX from California constantly making the harassment to make the payments. which i am struggling and surviving by way of pay check to pay check to protect my child and my self. XXXX XXXX IS A MAJOR SCHOOL FOR PROFIT AND TOTALLY A FRAUD INSTITUTION AND THEIR CREDITS ARE NOT TRANSFERABLE ANYWHERE THAT CAUSED A SERIOUS PSYCHOLOGICAL AND EMOTIONAL PAIN IN MY MIND AND ALSO IN THE MINDS OF MANY STUDENTS TOO. TOTAL DECEPTIONS AND EXTREME HARDSHIP. 
XXXX XXXX, XXXX XXXX,
Product: Credit card or prepaid card

I have a credit card with Capital One. My credit limit is XXXX. I also have a secondary card holder ; my mother. She used her Capital One credit card to rent a vehicle with XXXX XXXX XXXX. After returning the car, the credit card was charged {$7800.00}. That amount is over the credit limit. Why would Capital One allow an outstanding charge to be pulled from a card that had a set credit limit of {$300.00}. As a result this charge has been applied to my credit report and has brought my score down to a dramatic drop of XXXX. This charge was not authorized and should have not been approved.
Product: Money transfer, virtual currency, or money service

Zelle transactions were made and it was stated fraud which is incorrect because my cousin was sending me money from his account. Last year around XXXX or XXXX. I dont have Zelle anymore because my account was closed. And my money that was in my account was taken.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Debt collection

Get the accounts result of ID-Theft off my credit report now! Other bureaus fixed it, and even the creditors agreed they're fraud. Stop damaging my credit or face legal action. Investigate, remove, and give me written confirmation no excuses! XXXX XXXX XXXX XXXX. Please DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to  stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit. 

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX  List fraudulent inquiries : a ) XXXX b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

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

am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I contacted XXXX to help enroll me into the Financial Relief Program. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about XXXX times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on XXXX 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by XXXX. I always let XXXX know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. XXXX has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need XXXX to remove the info as agreed.
Product: Checking or savings account

Im being blocked by site to external apps to application of thing I 'm applying for and I want it fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I reviewed my two last statement and they have been issued with out list the list of detail purchase. they just have a general amount charge in the statements. 

I requested the credit card to send me a detail information to verified my purchases because look for me as some one made fraudulent purchases online. Also I made a police report. I continue making my normal monthly payments to the credit card however I did not understand why the balance is not showing the payment I made in the last four ( 4 ) ) months.
Product: Debt collection

DOCTORS BUSINESS BUREAU Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and DOCTORS BUSINESS BUREAU is violating HIPAA Privacy laws and I will be seeing them in small claims court!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX has violated my rights. 

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 written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Checking or savings account

There were several holes on my account due to my direct deposit being considered fraudulent. XXXX. I was charged monthly fees when I should not have been. Identity was stolen during companys security breach. Unauthorized withdrawals.
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX we pre-paid for a rental car in XXXX. With everything happening from COVID19 we were not able to travel due to canceled flights and and XXXX closing its boarders. We contacted the company many times via email and on XX/XX/XXXX we were told it would take 4 weeks for the refund to post because the company cant send too many at one time. On XXXX, XXXX we contacted the company for an update and we received an automated response telling us they closed their doors and we needed to contact a third party for the refund. we did this twice but no response. I called to dispute the transaction with Capital One XX/XX/XXXX I gave all the information and I was told I do not need to send anymore documents. I also was sent a letter telling me the same thing. ON XX/XX/XXXX I was sent a letter telling me my case was closed so I called and the agent told me the company replied to the case and said the charge was valid. which is odd because the company is closed and in XXXX so you cant contact them other than Email. So on XX/XX/XXXX I contacted Capital One I asked to speak to a manager and she confirmed I was sent the wrong letter and given the wrong information which is not fair that all the wrong things and info was given and I am paying to the mistake. I was told I needed to load my proof to a link that the manager sent to me that night so I did. The same day with in a few hours I got a notice saying my claim is closed. My document were not even looked at. I was then sent a letter and notice telling me to write in and sign the document and attach my proof. 

This is unreal and not fair seeing how the wrong info was given, my documents were not reviewed after I sent them and the proof I was sent back was only a screen shot from the travel website saying no refunds. SO AGAIN MY EMAILS WERE NOT REVIEWED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong personXXXX XXXX, XXXX ( XXXX XXXX ) : My phones numbers had the transfer process initiated by XXXX, but the transfer was NOT successful. I did not have any working phones. Since it was XXXX XXXX and I had no option to communicate with family and friends, I called the XXXX XXXX XXXX from a borrowed phone and asked for assistance. After several hours of working with XXXX, their solution was to assign us three temporary courtesy numbers, and then fix things after the holiday. We discussed that this was a courtesy from XXXX, and would not affect our bill. This process was extremely frustrating, foreseeable and avoidable. All charges for the courtesy numbers below should be deleted XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

O n  X/XX/2017  I checked my credit report and see that the collection agency is duplicate reporting for the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I do not know this company I do not owe this company anything I believe the information is invalid and posting on my credit report illegally.
Product: Credit reporting

XXXX Accounts showing as navient, XXXX balance closed are showing on my Experian credit report. 
I have disputed these accounts several times and recently submitted a police report requesting a block per FCRA 605. Experian choose not to comply and initiated a normal dispute. The results came back verified yet again. I have recently contacted XXXX to dispute directly with them. XXXX the onbudsman requested a copy of the police report and informed me that all communication with the CRA is done via an internal data system. 
She stated " we did not receive a copy of he police report from Experian to her knowlage '' and they 're system does not " recive documents '' When I called Experian today to inquire how they " verified '' this account the response was XXXX replied as it is mine. Experian also stated they supplied XXXX with a copy of the police report. 

I have supplied XXXX with the police report and they are requesting 60 days to do an internal investigation. Experian needs to honor, 605 request to block, supply furnisher with submited documents to conduct a reasonable investigation, and escalate concerns such as this to more then basic data reporting.
Product: Credit reporting or other personal consumer reports

I send supporting documents because am a victim of XXXX XXXX  and send all documents to verified my disputed .i was told by XXXX that my documents was not authentic and all negative accounts will remain on my credit profile .i send even laws to back up my dispute and was still denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute an account in collections that is reporting inaccurate information/amount owed to Equifax. I have a document that shows there is a discrepancy with the amount reported, Equifax agents agreed over the phone on different occasions ( Last conversation over the phone XX/XX/2022 ) that the amount reported is wrong, but they refuse to remove the information. This is after a formal dispute has been filed online. Amount reported to Equifax is for {$2700.00} from XXXX XXXX XXXX XXXX. The Document provided to Equifax shows {$2400.00} from XXXX XXXX XXXX XXXX. Last dispute to Equifax was submitted on XX/XX/2022. Investigation was completed by XX/XX/2022.
Product: Debt collection

A collection agency bought an old debt and then re-aged that debt and added it to my credit report this year. The agency sent a letter offering to settle for far less than the original amount. DOFD is now approximately XXXX XXXX XXXX.
Product: Credit card or prepaid card

Citibank closed my credit card account. When they did they claim that I forfeited all rewards points. I had no advanced notice of the account closure or I would have used the points that I had. As of my XX/XX/20 statement I had XXXX points and Citi is now saying those points are forfeited.