23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

In the last correspondence Card.com has claimed to have blocked my card. Howevver, the intial request to block the compromised card came before the unauthorized charges took place. ( initial request on XX/XX/2016, copy of notification enclosed ) Additionally, despite recieving a completeted affodavit form, I was sent a letter for each disputed trans action from card.com dated XX/XX/2016 with thecstatement that the affidavit form was not received. Mind you, this was after receiving confirmation from XXXX separate representatives that the completed form was received succesffully. ( PLEASE SEE EVIDENCEENCLOSED ) When talking with card.com over the matter XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX over 55 times. I was told that my form was received about 90 percent of the time. This would also include written correspende confirming its receipt prior even proor to thedated later. 

I have went over and beyond my responsibility as a customer. Both faxing and emailing the affidavit form. 

Many times the contact to card.com was a three way call with an agent from bancorp bank making the call on my behalf. I was in fact promised the credit over 12 times on a recorded line! 

The fact remains that card.com has told me that they received my signed and completed dispute form and yet have devlined my credit based on not receiving s completed dispute form only to have me resubmit my dispute over and over and over again. 

Ive escalated my complaint several times only for the escalation to be replied with promises by people apologizing saying they will prrsonally seek the proper handling of the resolve to no avail. 

The continue neglegemce of card.com has caused seriest financial damages to me and my family and they need to take ownership of their failures and lack of proper hsndling as i continue to endure grave damages as a redult of their inaction and false promised.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX - XXXX, XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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, and hard inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted all the document to TRANSUNION that they requested, and I have also included them as attachments HERE MULTIPLE times regarding my bankruptcy case, showing that XXXX was listed in the bankruptcy, notified, and DISCHARGED. THAT MEANS that NAVIENT CAN NOT SELL A DEBT TO XXXX, so BOTH XXXX and XXXX need to come off my credit report immediately. 

I am ONCE AGAIN, attaching all the document HERE. These documents include a list of all the creditors who were listed and discharged. XXXX is on page 19 and highlighted. This copy if STAMPED from the COURT. Also, is a COURT COPY of the DISCHARGE, showing ALL STUDENT LOANS were DISCHARGED. Also included is a copy of my Drivers license, a copy of a bank statement showing my address that matches, and the matrix from the court showing NAVIENT was sent the paperwork FROM THE COURT, so they KNEW that 3 YEARS AGO, this was DISCHARGED. THEY DO NOT get to SELL this debt to someone else AFTER discharge to try and collect, so XXXX on my credit report NEVER should have been listed. I am TIRED of credit reporting agencies 'investigating '' and listing it as " ACCURATE ''. It so NOT accurate and here all the DOCUMENTATION to PROVE IT!!!! THIS should be MORE THAN ENOUGH to ONCE AGAIN show that these companies are breaking EVERY FAIR CREDIT REPORT ACT law, not to mention the PROTECTION that was GIVEN TO ME by the UNITED STATES BANKRUPTCY COURT when the CHAPTER XXXX Bankruptcy was discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting this account with no Creditor information. I have sent multiple letters requesting an investigation and asking to have this incomplete record removed. Equifax refuses to remove this incomplete record. 
Account number XXXX Collection opened XX/XX/2016 Account type Collection Account Paid off : 0 % Balance on Loan Amount {$110.00}
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be corrected promptly. 
XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus dated XX/XX/23, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a Collection/Charge Off, which you claim I owe a balance of {$2600.00}. 
More specifically, I am referencing the fact that you are reporting the following : No account number given. Where is the account number? Last payment made was on XX/XX/XXXX ; however, in the description of payment history, it states that the account was in good standing in XX/XX/XXXX listed as OK referring to a payment received within a 30 day period. Furthermore, what date was the account closed? Credit card companies charge off accounts after 180 days of nonpayment and in this case the account would have been closed in XX/XX/XXXX. Why then are they reporting 180 days late in XX/XX/XXXX which would have been 210 days and 30 days after the closure of the account? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Validation. I do not consent to e-oscar or any means of automated verification. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This 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. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX : XXXX Note : I was a victim of a DATA Breach in XXXX and filed a claim against Equifax. 
P.S. Please be aware that dependent upon your response, I may be  detailing any potential issues with your company via 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 Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have spoken with representatives at XXXX and received communication via email on my XXXX  account as Meets requirements of the Fair Credit Reporting Act. XXXX has repeatedly denied my right to privacy regarding my nonpublic personal information. I demand the above information on the XXXX line item LATE PAYMENT be excluded
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off my loan down to a zero balance. I repeatedly asked the CS rep was this all I owed, she double checked and said yes. Since then, I've been going back and forth with the XXXX XXXX XXXX XXXX about my credit report. The listed on my report that I owed {$1.00}, when in fact, it is paid off. I disputed it with all 3 credit bureaus, who then reported that it was in fact paid off according to XXXX, who informed me of the same thing. The very next month, the XXXX went back and posted that I owed {$1.00}. I disputed it again, and again the changes it to a XXXX   balance, but refuses to mark the account as paid off. Instead they have the " current status '' as in collections. It needs to read paid as a current status. My next step is to hire an attorney if you can not correct this. Thank you.
Product: Credit card or prepaid card

Im have tried called calling capital one to find out if my personal information was affected by the security breach they experienced this year in XXXX and refuse to tell me anything
Product: Credit reporting or other personal consumer reports

Hello so Im cleaning up my report from identity theft that was taken on me for years. So there is a vehicle loan on my credit report with XXXX and Experian by XXXXXXXX XXXX that is fraudulent and marked as repossessed says I owe a balance of $ XXXX, it was a scam and I sued for it and also had investigators involved on this and it was proven accurate with XXXX already and they removed it. I did the same with the other 2 bureaus but they didnt take any action. Or got back to me Only XXXX took action & responded, So now its inaccurate information on my report. 


Everything has to be 100 % accurate on my credit report. 

This ground for removal they also violated 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 Also the Credit bureaus took more than 30 days to complete my investigation EXCEPT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

THE FOLLOWING COMPANEY BELOW IS FAKING THE OPENING DATES OF THE FOLLOWING ACCOUNTS BELOW AS WELL THEY HAVE NO BUSINESS LICENSE TO OPERATE AND CONDUCT BUSNISSE IN THE STATE OF CALIFORNIA. AND THE XXXX CREDIT BUREAU ARE KEEP SAYING THEY VERIFIY THESE ACCOUNTS. ITS NOT TRUE THE XXXX BUREAU IS LYING. THEY NEVER SEND ME ANY PROOF OF ANYTHINGS ONLY SAYING OH WE VERIFIY. LIE LIE LIE 1 ) XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX ) XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX ) XXXX  XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX ) XXXX XXXX XXXX XXXX # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. IMMEDIATELY. XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. THE DATES OF OPENING THIS ACCOUNTS IS INACCURATE AND A FALSE INFORMATION 'S ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. 15 U.S.C 1681 SECTION 602A 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 1681 c. ( 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 WGICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE.
Product: Checking or savings account

from XX/XX/2020 i was charged 19 x over draft fees each at {$35.00}. I have multipole accounts with capital one caring huge balances. these fees were charged on one particular ( non-for-profit congregation account ). I was told the account was set up with an overdraft backup to draw funds from my other account if overdrawn. this never occurred. instead they charged me 19 times {$35.00}. over the phone they did provide me a small refund for ( 4 ) of the 19 fees, but I'm still out the remaining 15 for a total of {$530.00}. I fee its unfair form Capital one to charge me these excessive fees for the following 4 reasons ( 1 ) you should've covered the overdraft form my linked account ( 2 ) this is a non-for profit business which can not afford these excessive bank fees ( 3 ) based on my overall relationship with capital one at which i have huge balances in my other accounts ( 4 ) due to the difficult Covid-19 situation which is devastating for our congregation and effects all operations.
Product: Credit card or prepaid card

On Saturday, XXXX/XXXX/2020, I called for my balance around XXXX XXXX. I was told I had over {$1200.00} balance left. I went to the mechanic to pay for repairs on my car. At XXXX XXXX, I was told that I was denied. I called American Express and found out that they had lowered my credit limit right after I called. When I explained the situation, I was told that I could pay them over {$180.00} right there and then to get my old credit limit restored. I am warning others to beware of working with American Express. 

The facts are they lowered my limit after I checked my balance. And, they tried to blackmail me to restore the limits. This is not a reputable company.
Product: Debt collection

There are two identical negative marks on my credit report from Commonwealth Finance for {$1700.00}. The two of these combined is having a {$3500.00} negative report on my credit. Theyre duplicates and one needs to be removed. 

Also, if you investigate further according to XXXX statues of limitations this XXXX XXXX was reported after XXXX XXXX. XXXX XXXX of XXXX is when I incurred this debt. The debt collection was opened passed the XXXX XXXX mark according to the credit report in which it should be null and voided. 

It is illegally trying to be collected as well as having duplicate accounts on my credit just to make my credit report worse. 

They both need to be removed as it is unlawfully trying to be obtained. Ive disputed this numerous times now.
Product: Debt collection

XX/XX/XXXX I was billed {$1400.00} I logged into XXXX the portal I am able to view and pay my medical bills through. I began making monthly payments on the bill above. That bill then went into dispute, or reevaluation for coding. So I only had made one payment toward that bill prior to reevaluation of : {$25.00}. 
I was XXXX with a XXXX XXXX  XX/XX/XXXX of XXXX, accumulating more bills within my XXXX portal. I began paying monthly on them. I received an email stating that I was able to sign up for a program called XXXX where they would tell me what to pay monthly. It was listed as optional. I have attached the screenshots from that email. I decided that I knew my financial ability and status better than them, so I never signed up for the XXXX program. Apparently XXXX financial department automatically took that bill from XX/XX/XXXX and enrolled me in XXXX of XXXX, when the reevaluation of coding came through. By them enrolling me in XXXX, my bill of now {$1300.00} no longer appeared XXXX my XXXX portal where ALL of my other and remainder medical bills were listed and being paid on. So when I called in XXXX of XXXX to pay ALL of my medical bills in full that one bill of {$1300.00} was not included in the lump payment I made, unbeknownst to me. I had no idea I had a large medical bill removed from my XXXX and no idea it was not included in the lump payment I made to XXXX. So now as of XX/XX/XXXX I was sent to OneAdvantage collections agency for the {$1300.00}. I clearly was making good faith payments on all of my medical bills, never requested a third party to take over managing my bill collection and I attempted to pay all my bills in full on XXXX. I feel as though XXXX is deceptive with the XXXX program, especially automatically enrolling ONE of my bills in it and REMOVING said bill from the patient portal we are instructed to utilize. XXXX is suppose to be a one stop shop, until they remove your bills unbeknownst to you and then send you to collections for no payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX