23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Ive been a customer with Capital One since XX/XX/XXXX. I started out with a secured account and was offered an unsecured account. I got the XXXX account and within six months my limit was increased due to good payment history. In XXXX, I had identity fraud on my checking account with XXXX XXXX and it was restricted by them after my payment was scheduled, so XXXX XXXX blocked all incoming and outgoing transactions. Capital One tried twice to pull my money out of my account, but XXXX XXXX rejected the transaction twice so Capital One restricted my account and closed it. 
I decided to open a Capital One 360 checking account with a balance of {$250.00} and figured that would be easiest to make payments from this account. The account info provided by the representative on the phone with the 360 department was incorrect. They provided me with my savings account number instead of checking, and thats the information I used to make a payment with Capital One. The payment was returned and Capital One didnt notify me again. I called in to let them know it was a mistake and showed them my positive balance in that account, again to a representative who didnt care to hear more. I then uploaded secure documents to the online portal for them to do an investigation to determine if my account can be reopened. 


This is after years of exceptional payment history and no returned payments. I provided Capital One with proof from XXXX XXXX that it was their error, and a bank statement showing my account balance that was sufficient enough to cover the payment, but XXXX XXXX restriction is the cause of this. Capital One didnt give me a chance to make the payment again, didnt alert me that my account was closed and theyre making me jump through hoops to see if my account can be reopened. Theyre telling me that theres no guarantee my account will be reopened even though I had no control over this situation. Their fraud department is a joke and they dont advocate for the customer. Im disappointed because Im XXXX and this will mess up my credit rating, as well as cause me to move to another company if my account is not reopened.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), 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, Equifax and 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 personal credit card account opened at 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 XXXXXXXX ). 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : Us SM BUS ADMIN ODA ( XX/XX/XXXX ). 
XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX. 
I did not authorize anyone employed by these companies to inquire and view my credit report.This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights.Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation.In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that 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.
Product: Debt collection

I owe an outstanding debt which has been placed with Rev Now. I was receiving repeated calls and i don't typically answer unknown numbers. I answered and an automated system asked me to stay on the line while they connected me with a live person. When i spoke to the person I told them they were violating the FDCPA by calling and leaving me messages multiple times in the day. They asked if i was going to sue them or if i just wanted to pay. I said i just wanted to tell them they were going to get into issues with their practices. i set up an arrangement but haven't been able to make the payments. They started calling again and there are repeated calls in a day. They are calling from XXXX numbers. XXXX is a live person from XXXX and then there is an automated message from XXXX. I am providing snap shots from my phone showing the number of times they have left messages in the last 7 days. I realize i owe but they are are not following the laws and repeatedly harrassing me.
Product: Credit card

Someone attempted to open accounts without my consent. That resulted in a bunch of hard inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, my credit report was provided by the credit reporting bureaus : XXXX, TransUnion, and XXXX without my consent to XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX As a result my credit file erroneously reflects hard inquiries at all three credit bureaus. identification theft is suspected ; however,
Product: Credit card or prepaid card

It seems that American express has difficult time getting new customers or retaining old customers that's why they are making it really complex credit card closing terms and conditions. I had a Blue cash prefferred card opened during XX/XX/XXXX. Today when i called to cancel it, I spoke to XXXX ( XXXX XX/XX/XXXX at XXXX XXXX  central time ) who told me that if i cancel it before 12 months, I will be asked to return back {$300.00} that American express gave me as part of statement credit. I told that i earned that NOT American express just gave it to me. 
She told me that it was mentioned in the card member agreement. When i asked her to send it to me by email, she said that it will sent by paper mail. 

When i requested to make a note in her file and cancel my card on XXXX XXXX XXXX she said that she can't schedule it and i need to call again.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DPT EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX  XXXX Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As a citizen of this country, it is unfair and predatory to be held XXXX by this reporting system. Throughout this time, laws continue to break due to malpractice and the severity of not taking my situation seriously. This issue has caused Financial injury and defamation of character along with 60 plus days of no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occassions, I have disputed a TD Bank USA / XXXX XXXX XXXX   account that was paid in full to the creditor onXX/XX/XXXX. I have sent the documentation that I received from XXXX  to XXXX and XXXX that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX and they advised I contact the two credit bureaus ( XXXX  and XXXX ) and have them call XXXX with my authorization to verify the status and balance of the XXXX account. I have called XXXX  and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.
Product: Bank account or service

I have an account with Huntington National Bank, and I am also set up with text alerts. I manage my account based on the current balance and what is outstanding. On XXXX I received a text alert stating my account had over {$300.00} positive in my account on XXXX. and every time I swiped my card XXXX average swipe was no more than {$10.00} per transaction ), leaving me with an end of day balance of around {$310.00} at day end processing. I had a check go through the follow evening on XXXX for {$75.00}, and it showed my beginning day balance of $ XXXX. I called the branch and no one was able to speak to me at the time I called, so I left a message. I then called the Branch Manager later that evening and spoke to him and he reviewed over the phone, and said he would talk to his district manager and call me back. By the time EVERYTHING went through and posted ) ( minimal debit card transactions ) My account was XXXX. Not one PERSON could explain why. I contacted telephone banking on XXXX, to no avail, no answer.. called the branch again and they advised the Branch Manager no longer worked there. I then left a message for the lead teller. She never returned my call. Then on XXXX, I called again and finally spoke with the Asst Branch Manager, and explained everything ( by now I had racked in over {$300.00} in service fees XXXX. He then advised that there was a debit card transaction that had gone through my account of {$300.00} and it was approved and paid. It was a legitimate charge however, I was NEVER told this previously and my text alerts never reflected this transaction coming through ( as it should, since I get an alert with EVERY transaction ). I told this to the ABM, and he said that I should not rely on my alerts as truth. I then told him then why even have that as an option, if it is n't correct. He could n't answer that. I told him I wanted to speak with his Regional Manager. He left her a message. She called me back yesterday, and although she is " sympathetic, '' she will not refund any fees. She said that I had been allotted enough fee waivers, and even though it was their fault with not properly posting the real debit on their end, there would be no fee waiver. This is completely disconcerting. This is unfair and very deceiving practices.
Product: Credit reporting or other personal consumer reports

I made a payment to XXXX XXXX for {$140.00} on XX/XX/year>. I reached out to XXXX on Monday, XX/XX/year> to verify that they sent the updated payment to the collection agency ( Credit Management ). XXXX XXXX expressed that they did not have record of the payment even though I called their agency directly to make the payment. 

There is a second collection in the amount of {$620.00} from the same company ( XXXX XXXX ) that is with the collection agency ( Credit Management ) and this account is reporting misinformation. The original creditor ( XXXX XXXX ) would not provide me with any information on the account. This company is reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

Even with a pending lawsuit company still refused to investigate issues related to fraud and lack of investigation. Attached youll see my Experian report updated for 2025. Youll see it has no poor remarks as all fraud files have been removed. You will also see all the accounts Equifax has refused to investigate are not on this account.

VIOLATION U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 - 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 ; EQUFIAX has been provided all the required information and has still on multiple occasions for 5 years refused to resolve the issue. Even when under legal review they still refused to do theirs jobs
Product: Student loan

I inquired about the application with Navient in XX/XX/XXXX. I received a response from Navient on XX/XX/XXXX and then was sent the application by Navient on XX/XX/XXXX. I sent my first discharge application in XX/XX/XXXX, I received denied in XX/XX/XXXX. The denial letter stated " A variety of factors are considered in determiningwhether a private loanshould be discharged based on school misconduct and youdo not meet the requirements for discharge based on misconduct by your school. '' I called for further information and was told the same thing, was not given specific information. On XX/XX/XXXX, I sent an appeal with all the documentation I sent in the first application along with 80+ pages of further documentation and an appeal letter. Today, XX/XX/XXXX I received another denial letter, stating the exact same thing as the first, with no specific information as to why I was denied.
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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 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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; 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 or other personal consumer reports

I'm a victim of the XXXXData Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Finarrcial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ). 
I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe EXPERIAN 'S handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested Experian 's method of verification several times back in XX/XX/XXXX, and as late as XXXX of XXXX
Product: Debt collection

Affiliated Acceptance Company has listed a inaccurate debt on my credit report stating that I owe {$10000.00} dollars for a debt that they have never verified. I have asked them to send me verification that I have a contract with them showing my signature and in response I receive a billing statement. I know under the Fair Debt Collection Practice Act a billing statement can not be used to verify debt that the collector actually has to prove that you have a binding contract with them. I also verified that Affiliated Acceptance Company do not have a surety bond in Texas which also make it illegal for them to try and collect on a debt or pursue any debt collection activities. I also have proof that under the Texas Debt Practice Act this company has violated penal code 392.101. Which states '' Texas Fair Debt Collection Practices Act 392.101. BOND REQUIREMENT. 

( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account : XXXX XXXX Account # XXXX was removed from XXXX and XXXX Due to incorrect information meanwhile TransUnion keep saying everything accurate I sent multiple letter asking them to remove the incorrect account Immediately. 

I also have fraudulent inquiries on my account I will list them as well and I also sent multiple letters to have them removed. 

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

since XX/XX/XXXX I was working with XXXX XXXX to refinance a home that I live in. I was given this company through XXXX XXXX to help me repair my credit and get some cash out for a rainy day istarted working with a XXXX XXXX XXXX aka XXXX XXXX mls # XXXX who at first was very helpful. then she turned me over to aloan officer XXXX XXXX who mis reported and read things that are not true as reported and recorded by athree way call with Equifax and alady name XXXX who was in XXXX XXXX   and could barely speak XXXX it is now XX/XX/XXXX and no loan and wasted my time after giving them all the paper work I requsted I am XXXX man with a XXXX XXXX XXXX and XXXX and suffer from XXXX   and XXXX. i believe they contact my bank to discuss tis matter with out my consent and hurt my chances of getting the loan this was a waste of a month when i provide everthing they ask for and then some donot truste XXXX XXXX say one thing do another