23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In the last quarter of 2022, I had hit my limit on my card. I had already had issues with the autopay system with Capital One, and had set it to take the minimum balance to be paid. Instead, it took the entire XXXX dollar balance, leaving me with no money in my bank account. I called Capital One to request a refund, but they said they could only mail a check. I did not have reliable transportation at the time, and so I told them NOT to send a refund. I used my card for groceries and bills, totaling to about XXXX dollars. Out of nowhere, my credit card had a balance of about XXXX dollars on it, and was taking money out of my account, and it tanked my credit from XXXX to about XXXX. I called back and they said they had sent the check, despite me having said not to, and it never even made it to me anyway, as I had been fortunate enough to get a ride to the post office. I told them I wanted it voided, and the extra fees and interest removed, and to have my credit fixed, as it was their mistake that damaged it. They said that was fine, and even when the money was reapplied to my account, it still had my balance at about XXXX dollars, and my credit was not fixed. My maximum was then lowered to below the current balance, resulting in ridiculous interest rates, to the point that a XXXX dollar payment only put XXXX to the balance, and XXXX to interest. I have had numerous calls, and nothing has been fixed, and recently, I have had autopay withdrawals of about XXXX dollars, which then did not go toward the credit card. It had no history of the payment, so I have no idea what that payment has been for, as that is my only credit card.
Product: Debt collection

One day I checked my credit and it had dropped 120 points because some company I never heard of or received anything from had reported to the CRAs that I was in collections. IT was with regard to a medical debt that I do not believe I owe. This company never gave me any notice or a chance to dispute. Plus, I didn't receive any notice that they were going to report to the CRAs. I disputed it online but have heard nothing since and they did not update the reporting to notify the CRAs that I disputed it. I plan to sue them for the statutory fines after the holidays, but I think that putting you on notice about their abusive and secret tactics is also important.
Product: Checking or savings account

Capital One bank permanently restricted my checking account back in XX/XX/2020, and charged off my {$130.00} overdraft. 

On XX/XX/XXXX, they not only accepted my {$600.00} stimulus check into this restricted account, but have also garnished the {$130.00} from it, and didn't even notify me that it was received by account a full 12 days ago at this point. 

I've spent hours today trying to speak to someone and resolve this issue with no resolution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I visited an XXXX store in XXXX, New Jersey. I was interested in financing the purchase of a new XXXX. I submitted an application, however, the application was declined. I received an email from the bank informing me that there was unsatisfactory experience with a creditor. upon checking my XXXX XXXX report, I have noticed that there are a total of XXXX negative marks on my credit file. I submitted a complaint against XXXX XXXX  for an accurate information. On XX/XX/XXXX, I spoke with a representative from the bank, who informed me that Equifax held the specific information, and that I would need to deal with them. I again reviewed the information contained in my XXXX XXXX  file for Equifax, and found no negative information. As a consumer, it is very disheartening to find out that there is information being hidden from me, and is causing me to be declined for credit. on previous occasions, I have asked each of the credit bureaus to provide evidence of a valid negative death, to which they have either not responded, or simply not provided the requested information. as a consumer, it is extremely frustrating to know that I have to continuously pay for credit monitoring services, or the ability to receive my credit report, in order to receive all information. The credit bureaus claim that I have the right to know what information is in my credit file, so why is information being hidden from me, or being placed behind a pay wall. According to my XXXX XXXX file, I have no late payments with any financial institution. I have a 100 % on time payment history with all of my creditors.
Product: Money transfer, virtual currency, or money service

Today ( XX/XX/2024 ) at XXXX I received 10 notifications and emails detailing numerous attempts ( some successful ) of someone in XXXX PA at an ATM at XXXX XXXX XXXX to withdraw various amounts of money from my cash app card. They managed to successfully withdraw {$200.00} and {$100.00}. They did not stop trying and continued attempting until it was no money left with attempts of {$300.00}, {$66.00}, {$60.00}, {$26.00}, {$20.00}, {$10000.00}. These were all attempted at times ranging from XXXX while I am laying on the couch with my wife and daughter after work. I live in XXXX Maryland, and work in XXXX Maryland. I can provide proof of my location, Im sure by just tracking where Ive been using my phone. My apartment building also has security cameras that will verify the time I arrived at home. Cash app began to block three of the transactions above because the suspected fraud and that these were unauthorized charges. They were, but it was too late as they already stole {$300.00} dollars which was to be used for my phone bill and rent. I am extremely disturbed and distraught, I have my wallet with my cash app card. I have my phone. I did use my cash app card today ( which is rare to use it besides sending money ), but I used XXXX XXXX. I dont know where else to turn or if Cash App will even help me get my money back. Please help me
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX  XXXX Balance : {$23000.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7900.00} US DEPT ED XXXX {$5600.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4300.00} US DEPT ED XXXX {$4200.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit card or prepaid card

Reading this pointless letter was a huge waste of my time. However, acting oblivious to the consumer laws does not make them go away. The laws are the laws, and they stand as such which I see you lack knowledge of. Unfortunately for you, Im just going to take this process to the next step and my rights will be enforced by a court. Also, unrebutted affidavits stand as truth, so maybe learn about the laws to avoid embarrassing yourself next time. Take care, talk soon. Cant wait!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2200.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX  XXXX {$560.00} XXXX   XXXX {$370.00} XXXX XXXXXXXX {$510.00} XXXX   XXXX {$5000.00} XXXX XXXX {$800.00}
Product: Credit reporting or other personal consumer reports

Please reference XXXX ID : XXXX & Complaint ID : XXXX. 

After attempting to communicate with Bank of America and them ignoring my request to communicate with them by email, I received a letter in the mail ( attached ) on XXXX, XXXX, 2024 dated XXXX, XXXX, 2024 stating that they have reported negative information to the consumer reporting agencies and that Bank of America is considering my dispute resolved. 

Again, I have no idea what this debt is, who's debt it is, and Bank of America continues to send threatening letters to me telling me they have and are taking action to put negative remarks on my credit report. 

I have not received anything from Bank of America since they sent me the first letter in Case ID : XXXX. This letter was sent to me out of nowhere and I have no clue why they sent it to me in the first place. 

They refuse to communicate with me and to provide any documentation about whatever this debt is in regard to.
Product: Debt collection

Hello there, I got a mail on the date : XX/XX/21 saying that I purchased an insurance policy from XXXX XXXX XXXX XXXX, and saying that I owe them XXXX so I called them and let them know that wasn't me I never had a car at that time. I told them, that someone, fraudulently purchased that insurance under my name, I reported it to the police and I gave them that police report. but still, they are not realising from. that debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Second Written Request for Removal of Unverified Accounts Dear Experian, This letter serves as my second written request for the removal of unverified accounts listed on my credit report in accordance with 15 U.S.C. 1681. Despite my initial request, the following accounts remain on my report without proper verification : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$46000.00} - Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX - Balance : {$320.00} - Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX - XXXX : {$130.00} - Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Balance : {$0.00} - Opened : XX/XX/XXXX According to your previous correspondence, you stated that these accounts were " verified. '' I request detailed documentation proving the verification process, including : - The documents used for verification. 
- The name, business address, and phone number of the individual who verified these accounts. 
- A sworn affidavit or deposition confirming the truthfulness and accuracy of the verification. 

As defined by XXXXXXXX XXXX XXXXXXXX XXXX, " Verify '' means " to prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' This requires the production of documents in your files proving these accounts belong to me and that the reported information is accurate. Furthermore, someone within your company must have firsthand knowledge of these accounts and authenticate them under oath. 

Federal case law mandates that Consumer Reporting Agencies must ensure the accuracy of the accounts they report, which involves more than merely parroting information from other sources. A reinvestigation that shifts the burden back to the consumer and credit grantor does not meet the obligations imposed by 1681 ( a ) ( 4 ).

Since you have failed to provide the requested documents, it indicates you either did not or can not verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, you must " promptly DELETE all information which can not be verified. '' If you do not comply, I will pursue litigation for negligent noncompliance under Section 617 of the FCRA. I demand immediate verification or deletion of the accounts listed above. 

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

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXXXXXX XXXX XXXX  (Original Creditor: XXXX XXXX CENTER)XXXX(Original Creditor: ) XXXX(Original Creditor: ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that i have fraudulent accounts on my reports. Please remove these accounts from my report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Late reports that should not be there
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I noticed that several student loan accounts, previously serviced by XXXX and now managed by XXXX, were inaccurately reported as 60 days late on my credit report with XXXX. This error has harmed my credit score. On XX/XX/XXXX, I sent a dispute letter to XXXX, requesting correction of the late payment notations for these accounts, which originated between XXXX and XXXX. XXXX responded in late XX/XX/XXXX, stating they no longer service the loans and directed me to contact XXXX, without addressing whether the late payments were accurate. 
On XX/XX/XXXX, I sent a dispute letter to XXXX, demanding they investigate and correct the payment history under the Fair Credit Reporting Act, as they are now the servicer responsible for reporting accurate information. I included documentation, such as my prior correspondence with XXXX and the XXXX report showing the errors, but as of today, XXXX has not responded or corrected the inaccuracies. The late payment notations remain on my credit report, despite my efforts to resolve this with both companies. 
Navients failure to address the dispute and MOHELAs inaction have prolonged this issue, causing ongoing financial harm. I am seeking immediate correction of my credit report and an investigation into both companies handling of this matter.
Product: Debt collection

I have disputed a collection account that was added to my credit report in XXXX. Both times they are stating they have verified as accurate. I have not received any verification or validation from the collection company XXXX XXXX that I owe XXXX. There is no contact information for them on my credit report for me to contact them directly. I have requested proof of my signature that I have a contract with XXXX XXXX and have not received that documentation from Transunion. Transunion is not verifying properly. They are using a computerized system instead of contacting this collection agency by phone and getting the proper documentation that I owe them money. I am requesting this be removed from my credit report. This does not belong to me and they have to provide me with verification/validation with my signature that I have a contract with this company and owe them money. To date this has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent a complaint here that I sent a dispute letter asking for verifiable proof of the accounts on my credit report. And I sent a follow up letter because I did not get a response to the original dispute. I don't know if someone is playing games with me or what, but you responded back that you don't believe it's me sending the complaint. Well it is me, and my complaint is that XXXX is the date of my original dispute, XXXX is the date of my follow up letter because I didn't get any response from you regarding the dispute of these accounts XXXXXXXX XXXX-acct XXXX and XXXX- acct XXXX. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been well over the time allowed according to the codes and laws so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you are causing me. I have included my dispute letters, a utility bill, my drivers license, and my social security card to make sure you know that this is me filing these disputes and complaints. Also, my information was impacted by the XXXX  data breach and probably the wrong person got a hold of my info.
Product: Checking or savings account

chime randomly sent an email stating that my account will close and wont provide updates or any type of assistance with what took place.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had multiple late payments on an account that I was in fact paid on time. Consumer reporting agencies need to report all information accurately. this account has not been late on payments ve attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action
Product: Credit card or prepaid card

I had an issue with a flight cancellation in early XXXX that qualified me for the trip protection insurance that is offered to all Chase XXXX XXXX credit card customers. It has been almost 3 months and I still have not received any response. I had followed up with Chase, they keep sending me to a 3rd party insurance provider, who told me that they still have not received any documentation regarding the trip, even though I have uploaded / sent these documents to them 4 times, emailed to follow up and still have heard nothing back. [ Ironically I had even received an email from eclaims, the 3rd party insurance provider, saying that all my documents have been updated. Similarly, when I logged into the claims website it also says that all documents have been uploaded. I asked Chase for help but they told me there is nothing they could do. This is clearly a violation of the contract - which Chase offers to customers that feature.
Product: Credit reporting or other personal consumer reports

Date of birthdate and address on equifax credit report is incorrect
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto insurance account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.