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

XXXX  selected Capital One to be their new affiliated credit card. The old master card was shut off the end of XXXX and the new Capital one card was to be used. I called Capital One because I could not log in to pay my bill as I never received the new credit card. I was told my balance was XXXX which I paid. I requested another card as I had never received the first one. I received the second card on XX/XX/XXXX and logged into my account, it showed transactions against a card ending in XXXX which was the card I never received. It also showed my previous statement balance was XXXX and I had previously paid XXXX a difference of XXXX owed back to me. It also showed a charge of {$480.00} as a XXXX on XX/XX/XXXX. I called to find out what this charge was and was given the run around, after talking to a representative, her supervisor and someone in the fraud department, I was able to get them to place the charge in dispute. All other charges listed the actual vendor which I was able to recognize, but this purchase of {$480.00} they could not tell me who the vendor was. My concern is how do they arbitrarily place a significant charge on my card without knowing what that charge is for. Also overcharging me on the payoff of the previous months billing.
Product: Credit card or prepaid card

I had my  XXXX   XXXX  accunt setup for auto pay using a credit card. I had my service for a number of year and recently switched to a different provider.  XXXX   XXXX  charge my credit card for early termination but I had not cancelled early at all. I disputed the charge but the credit card company has taken the side of the merchant and will not remove the charge from my account. I had provided  XXXX   XXXX  with a copy of the agreement bewteen myself and  XXXX   XXXX  that specifically shows that I was no longer under contract and should not have bee charges early terminatoon fees.     Apparently the credit card company does not protect the consumer it protect the merchant. I will never use autop pay again because of loss of control over my money.
Product: Checking or savings account

Opened account with Citibank ATM card XX/XX/2022. Deposited {$10000.00} into said account. Was suppose receive bonus after 120 days. Have companied to them but have received no satisfaction.
Product: Credit card or prepaid card

I have been trying to resolve this problem with HSN for 4 months with no success. I have called HSN a number of times to ask for information on my account. I havent used my HSN card in about 5 years and I can only remember one purchase for an XXXX. This would have been paid off long before now since I have made regular payments. HSN used to be with XXXX XXXX, then changed to Sychrony. I called XXXX and they were not able to help from lack of information from HSN. I called Sychrony Bank in XX/XX/XXXX, and they tried to help. We did a 3 way call with them, myself and HSN. Still the billing supervisor at HSN could not see any record of a purchase beyond the XXXX  that i knew about. They do not know why the statement was so high in XXXX of XXXX when the XXXX  was purchased for {$500.00}. My payment were not late so I just continued to pay. Now I have to have answers to this issue and my husband is ill and I do not have the time or INCOME to keep paying without knowing what it is for. I have reported this to XXXX, XXXX. I believe the bookkeeping at HSN is terrible, and they offer no resolution. I am now getting a bad credit score because of HSN. The account is SYNCB/HSN account number is XXXX I just want to know what I am being billed for not just what they say I owe them. I think my account has been compromised by another customer or some other type of fraud- or they would be able to tell me what these charges are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ). Account # XXXX I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, and Transunion did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit and payment history is not correct on three credit as well. 
Which is a violation. This is impacting me from moving forward with my future plans. 

attach my previous credit report and my new credit report to show how XXXX violated my rights
Product: Credit card or prepaid card

I purchased vanilla gift card at XXXX for {$100.00} on XX/XX/XXXX with XXXX activation. I quickly found out that it did not have all the numbers on it- it only had XXXX therefore defective. I sent case info on XX/XX/XXXX and feel like they are acting unethical in their refund/replacement process. I have included below an email I sent to them today. Ive made numerous (! ) calls but still issue a nresolved. I googled complaints online regarding these cards and the complaints listed are in the hundreds. 
Here is the email I sent today after also calling today. 
Case XXXX Please provide update. Ive called customer service 6 or more times & keep getting this info 30 business days to process n then 10 business days to mail. 
Then I was told I would receive replacement card by XX/XX/XXXX that did not happen. I purchased card XX/XX/XXXX and sent case information multiple times. Your company has confirmed my complaint and request as if XX/XX/XXXX. 
All calls that I have made since XX/XX/XXXX. I receive the same response. We have escalated your request. Call back within 24-48 hours & we have informed back office that this request is out of the standard processing time frame. I purchased card and it was defective. It only had 12 numbers on it. Please please process this request. I have done nothing wrong. I purchased a product and it is defected.

~~~~~~ Im not sure this is the correct avenue but thought I would try this way first, please advise accordingly. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried multiple times to have incorrect information removed from my account. Instead of removing incorrect information, Equifax keeps changing the status and not removing my complaints.
Product: Debt collection

On XX/XX/XXXX I spoke with a representative and they advised they no longer have my acct, that it was sent back to the original creditor. I then asked for it to be deleted from my credit. She submitted the request and said it would take up to 30 days. 

My request was for them to delete it off my credit since they do not have /own the debt. It was sent back to the original creditor I follow on XX/XX/XXXX and the new representative rudely told me it take

s 30- 90 days to be removed. I advised that is not what was relayed to me and that should've have been in the first call. Said there was nothing she could do. I know it's a lie because it was removed from my XXXX but Not XXXX report. I also know it does NOT take up to 90 days because not only did they remove it from one acct but another creditor was also able to remove the very same acct that they did not own within 1 week.

I want this resolved and removed asap please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please REMOVE the reported non-compliant claim from the data furnisher of XXXX & XXXX XXXX XXXX for account # NO ACCOUNT NUMBER, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # NO ACCOUNT NUMBER lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to  10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Product: Credit card

These account were open but my identity was stolen so someone used these cards and I was left to pay the balances
Product: Debt or credit management

On XXXX I called to close my account from XXXX XXXX  or XXXX XXXX XXXX XXXX. After several weeks waiting to receive my refund, I called again on XX/XX/XXXX the customer office said that they have to do something manually, so they closed the account. In that time, they said my refund will be send directly as a transfer to my check account no by check. Again, I wait almost two weeks and nothing I called again they said that I will receive my refund of XXXX by check. I told them that is impossible because I paid almost XXXX dollars for 9 months. I requested who was the accreditors that they paid, and which was the honorary that they took. The customer officer says : " is in the contract ''. I asked for the contract again and nothing. I sent two emails with my frustration ; they said that I have to call because they can not resolve the issue through email, so I called again yesterday XX/XX/XXXX. I requested again to the customer officer which was the accreditors that they paid. The customer officer said : " the name of the company and was XXXX. So, I responded and the rest of the money? which was the amount of the honorary : the customer office said : " I don't know is in the contract that you signed '' " but I saw these 4 charges : XXXX, XXXX, XXXX, XXXX ''. 
This still unacceptable and XXXX XXXX didn't respond to me in a fair and accurate manner. 
For at least 9 months they deducted at least XXXX dollars from my account. 
Im very dissatisfied and disappointed about this service from XXXX and Im requesting the fair and accurate reimbursement from my money that I put with a lot of sacrifice.
Product: Debt collection

Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation :
Product: Credit reporting or other personal consumer reports

Subject : Second Request for Immediate Deletion of Inaccurate Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Dear Sir/Madam, I am writing to formally demand an immediate and thorough reinvestigation of the following inaccurate and damaging account appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that credit bureaus ensure the highest level of accuracy in consumer reporting. 

Despite my initial dispute more than 30 days ago, I have yet to receive a response or correction regarding this matter for the complaint that was submitted XX/XX/year>. The following account continues to appear on my credit report, which is an ongoing and unlawful injury to my creditworthiness, financial stability, and ability to provide for my family : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX. ) Legal Violations & Demands This account is being reported by a third-party debt collector, XXXX XXXX, and appears on all three major credit XXXX, Equifax, and XXXX  sufficient verification of its accuracy or legal validity. I demand its immediate removal in accordance with the following laws : Violation of FCRA 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy in consumer reports. The continued reporting of an unverified, erroneous, or potentially fraudulent account constitutes a clear breach of this requirement. 
Violation of FCRA 1681i ( a ) : When a consumer disputes information, the bureau must conduct a reasonable reinvestigation and delete any information found to be inaccurate, incomplete, or unverifiable. Failure to comply with this obligation may result in legal action against all responsible parties. 
Violation of FCRA 1681s-2 ( b ) : Data furnishers ( including XXXX XXXX  and XXXX  XXXX XXXX XXXX ) are legally obligated to conduct a meaningful investigation and delete any incorrect information. If they have failed to provide documented proof of this debts accuracy, you are required to delete it immediately. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : If this debt has been sold or transferred without my consent or proper validation, its continued reporting constitutes illegal debt collection practices under 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1692f ( unfair practices ). 
Consumer Financial Protection Bureau ( CFPB ) Enforcement Actions : The CFPB has fined companies for similar reporting violations. If this issue is not resolved promptly, I will not hesitate to escalate this matter by filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 
Personal Harm & Urgency Your failure to correct this error is directly harming me and my family. Because of this incorrect account : I have been denied mortgage approval, preventing me from purchasing a home for my children. 
My financial stability has been severely impacted, making it harder to provide for my familys basic needs. 
My ability to invest and build generational wealth is being obstructed.
Product: Credit reporting or other personal consumer reports

THESE UNAUTHORIZED INQUIRIES IS A VIOLATION OF 15 US CODE 1681b PERMISSIBLE PURPOSE
Product: Credit card

XXXX I recieved a phone call from an XXXX speaking person claiming to be from XXXX telling me that they have been alerted that my computer was corrupted. They told me that the XXXX anti-virus software that came with my computer was not strong enough to correct the problem and they got me to purchase another software for {$250.00} which I put on my SunTrust credit card. They gave me an XXXX number to call if I had a problem. When I called that number it did not go to XXXX, it went to another company. I then called XXXX directly and told them what happened. They told me I had been scammed and that these people had no connection to XXXX and to take the software they installed off my computer before it got further corrupted. They said they would never call anyone saying their computer had been corruptedWhen I found out I had been scammed I called Suntrust and told them what happened and they took the charge off my card. 6 months later in XXXX they put the charge back on my card saying it was a good charge since I authorized it even though I had been scammed. I refused to pay the charge and they took it to a credit agency. My credit was reduced from XXXX to XXXX. I now have a hard time getting a credit card. I have contacted SunTrust with all kinds of documentation proving the scam but they refused to change their mind. The internet is full of very same story where this company has been calling XXXX 's of other people just like me claiming to be from XXXX and that their computer is corrupted. SunTrust does not stand by the people who bank with them. I would never do business with them again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  - XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials.

My automatic payment settings were altered without my knowledge.

This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

A written confirmation verifying that these late payments have been removed.

A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.
Product: Credit card

I have been paying this company for over XXXX years and Im supposed to be receiving merchandise to start and have a XXXX, I have been paying for supplies for the absolute longest period of time and its not fair that I have spend over XXXX for 2 years and never received my merchandise
Product: Debt collection

The debt was reported on my credit report without written notice. ot verification of the debt. They said they would close out my case due to fraud but never did. and I still have this collection listed on my credit report.
Product: Checking or savings account

XXXX XXXX issued a check of {$340.00} to me for unpaid wages. The check was sent to an old address in New York. I was not in this state when this check was issued and cashed by Capital One. Capital One cashed a stolen check with my forged signature which posted XX/XX/2021. I was not in the state when this check was sent, received, nor cashed. The signature clearly looks nothing like my signature. I also have never been a member of Capital One. Capital One has sent me a copy of the stolen forged check they cashed and told me I would be on my own. I am now out {$340.00} because of Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX {$81.00} / XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX tradeline on my credit files with XXXX, XXXX and Experian as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. XXXX is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by XXXX XXXX. Experian reports this account as " closed '' but like XXXX, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, XXXX XXXX claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new XXXX status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in XXXX - XXXX XXXX claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that XXXX XXXX has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

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

On or around XX/XX/XXXX credit decreased XXXX points on Equifax ( as seen on XXXX XXXX XXXXpp ) due to {$370.00} payment/balance decrease of XXXX XXXX card . Contacted Equifax [ on or around XX/XX/XXXX ] and was assured that score did NOT drop [ XXXX ] and a copy of report was mailed via us postal. XX/XX/XXXX, a complaint was made against XXXX XXXX ( case id XXXX ). On XX/XX/XXXX report revealed Equifax score of XXXX which is a XXXX point decrease instead of previous XXXX points. XX/XX/XXXX contacted XXXX XXXX they use another bureau, not Equifax . if possible, I would like to use same uploads from complaint XXXX against Equifax instead .