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

I have filed a dispute in regards to the incorrect items on my credit report. It has been 45 days and I havent received any re-investigation results.
Product: Credit reporting or other personal consumer reports

Please send me a copy of the original contract of your company with my signature they only sent verified and updated and remain. Please Delete these item from my credit report.
Product: Credit card or prepaid card

Back in XXXX, 2021 my card was lost/stolen. From XX/XX/XXXX to XX/XX/XXXX someone went on a shopping spree. Every single day I called Chase multiple times a day telling them to stop accepting these fraudulent charges and they did not. They supposedly closed the account but the charges kept coming thru. They sent another card which I did not receive in time for me to use it so I guess they cancelled that and overnighted another card which is the card that I use current. It was all resolved and the charges which were around {$17000.00} were credited. Whomever was using my card also called Chase and increased my credit limit!!! When I found out I dropped it back down. They also were paying my bill ( I believe ) from the checking account which was connected to the account. At the end of the time in early XXXX  I figured out with Chase which charges were legit ( auto billed items ). The rest was credited and I paid my bill. Now fast forward to XX/XX/2021 and all of a sudden the {$17000.00} was rebilled to my account. Due to a low credit limit I keep I can not use my card for legitimate purposes. I've had NO warning about this nor any recourse. They are supposedly reviewing the situation which will take 2 weeks and I am without any credit!
Product: Prepaid card

-purchases were continually denied at major retailers that were supposedly accepted American Express gift cards. Tried using gift card at XXXX, XXXX XXXX, XXXX and were declined -previously also received another amex gift card and also had the same issue of constantly having transactions declined both online and in person
Product: Credit card

I 've been a loyal Capital One cardholder, on and off, for very close to XXXX years. I was very surprised and upset when I recently discovered that all XXXX of my active capital one credit card accounts were placed on restriction by the capital one fraud dept. After speaking to a fraud supervisor, I was informed that unless I provide the drivers license and social security cards for all authorized users that I have ever added on my accounts from their inception ( Spanning Over 6 years ) including those that have been DELETED from my accounts, My existing accounts will remain restricted. This was really a death blow to me as many of the authorized users I 've added in the past are no longer in my life and have since moved on. And as for the more recent users It would feel really odd asking them for this information way after the fact, especially being that I was never made aware that this was a requirement of Capital One. If I would have been made aware of this require beforehand, I would have gladly obliged, so I 'm really not sure what I possibly could 've done wrong. I followed ALL of the written policies provided to me by Capital One when it comes to adding new users to my account, and I am fully aware and take full responsibility for the purchases that would be made on my account by an authorized user, so I ca n't understand why I 'm being penalized and treated like a fraudster? I have never been late in over 6 years or missed a payment so why this happening to me is really insulting. 

Over six years of adding and removing authorized users, Capital One has never once asked me for identification documents from authorized users up front, or during the period in which they were on my account. I followed all the guidelines concerning adding and deleting authorized users found in the capital one customer agreement. So again this is really baffling and I do n't understand why I 'm being punished. The revised customer agreement indicates that they " may '' require certain information of the authorized users, and they " may '' limit " their '' ability to use the account. It says limit " their ability '' not my mine. I am ok with Capital One obtaining information beforehand when adding users, but in my case I was never told ANYTHING. Instead I was blind sided with a restricted account that is now causing me more harm than good. I am really worried how my credit is going be affected by this, as my available credit is going to be reduced significantly. 

To add insult to this injury I have yet to receive a straight answer from them on why this information is needed. I was informed this ca n't be " discussed with the account holder ''. I was under the impression this is MY account, and if the problem was that SERIOUS, I should have the right to know. After being loyal to Capital One for so long, and being a responsible cardholder, I would hope they will reconsider their actions and un-restrict my accounts.
Product: Credit reporting, credit repair services, 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 XXXX 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 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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: Student loan

Hi I recently paid off my student loans after nearly 20 years. My servicer was XXXX XXXX then XXXX. I started repaying in XXXX or XXXX and often times couldnt afford the payment. So I missed a lot payments and went delinquent. That was after I was told to go into forbarance and maxed out the number of times I could utilize it. I was told I had no other options. At the time I was making under XXXX. 
I think I originally took XXXX in loans and ended up paying approx XXXX when it was all said and done. 
I know that there was recently a settlement with Navient and I hope I could get some of the settlement. I would love to put any money I recieve towards my daughters education so they're not paying for college their whole life like I am. ( my loans and my XXXX daughters future education ). Could you let me know if I qualify? 

Im happy to verify any information needed.

Keep fighting the good fight! 

Thank you, XXXX XXXX ( the loan was in my maiden name XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked over a copy of my consumer report in which I've noticed several accounts reporting that have no knowledge of. The account and information motion listed in my dispute letter either doesn't belong to me or is inaccurate information. I asked Experian to investigate these accounts to insure that everything is accurate in which they aren't. The creditors listed in my dispute letter have no permission to purchase my personal information nor did they have the consent from me to report anything. I am aware that I have a right to privacy in which that right was violated. How can I owe a debt to these creditors if there is no actual agreements between us? In order for any account to be reported on my consumer report they must have my consent. I understand that it is Experian job to thoroughly investigate these accounts and do what's fair and equitable for me. These negative accounts are impairing my ability to obtain the essential necessities that I need for the daily living. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Mortgage

On XX/XX/2020 and then again on XX/XX/2020 XXXXXXXX XXXX XXXXXXXX made hard inquiries on my credit. I don't know who they are but no one has been authorized to pull my credit multiple times. It's possible one hard inquiry was authorized when I was shopping for a new rental property however no one should be accessing my credit multiple times.
Product: Debt collection

Subject and History My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX. Since about XX/XX/XXXX I owned XXXX XXXX XXXX in XXXX   XXXX, IL. We currently live in XXXX, Oklahoma and have for almost forty years. On XX/XX/XXXX, City of XXXX IL., filed a Complaint in XXXX , IL ( XXXX County , IL ) for perceived Ordinance Violation against me/defendant, under XXXX City Code , alleging an unsafe and dilapidated building, asking TR Court for a fine not less than {$250.00} and nor more than {$500.00} first offense ; same range for any subsequent conviction within a year period, and a further penalty in like amount for each day etc. On XX/XX/XXXX trial judge fined me {$110000.00}. On XX/XX/XXXX, at hearing trial judge case to be sent to collection agency ( see attachment Court Docket ). 
On or about XX/XX/XXXX, Credit Collection Partners, ( IL license number XXXX ) XXXX, IL.,  sent me XXXX XXXX ( senior ) ( XXXX , Oklahoma ) a " Notice of Non-Compliance '' for Amount Due {$170000.00}, ( see attachment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
On or about XX/XX/XXXX, we responded in writing disputing to Credit Collection Partners, advising them the Amount Due {$170000.00} was incorrect. It appears collection agency added an additional unauthorized amount due of {$31000.00} for unknown reason ( s )? ( see attachment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). 
On or about XX/XX/XXXX, Credit Collections Partners, sent me another written communication this letter provides the latest account balance information that is owed to this collection agency. Amount Due {$140000.00}. The content of this correspondence is much different too, please compare the two documents for specifics, ( see attachment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act my rights as a credit consumer have been violated by the bureaus and XXXX # XXXX 15USC 1681 section 602A states I have a right to privacy ....

15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction.

THOSE ARE 2 VIOLATIONS THAT SHOULD RESULT IN DELETION OF THAT ACCOUNT
Product: Money transfer, virtual currency, or money service

Im having an issue with Robinhood I deposited money from a bank transfer and it said it would take 10 days to receive I spent money on my bank account and didnt have enough to cover the transaction I tried to cancel it but Robinhood has no feature to cancel pending deposits after I noticed it My account was locked and they asked for documentation which I provided through there secure portal they sent me and email.

They denied my documentation even though I provided two bank statements, selfie photos of my self from different angles, and my ID front and back I have {$1000.00} in my Robinhood that I would like to get out thats stuck there someone please help me I need my money to cover my rent this month.
Product: Credit card or prepaid card

Navy Federal Credit Union offered a zero percent interest on balance transfer to my credit card. They hid the promo rate expiration in a separate box on my credit card statement, creating two " interest charge calculation '' boxes. The important box was on the last page of the statement after all the fine print. While the main page showed my balance would be treated as 0 %. They then told me when I asked about the extremely deceptive interest charge calculation, that the 0 % does not work like other balances and would be given 0 " grace period ''. So basically they hide the needed information, I paid the balance in full before the next statement, but they still charged interest on the amount even though the prior statement showed 0 %.
Product: Debt collection

XXXX is claiming that equipment was not returned but it has been returned and the confirmation exists.
Product: Mortgage

XX/XX/XXXX statement said that {$1400.00} was due by XX/XX/XXXX in order to avoid late penalty. 
On XX/XX/XXXX I wired {$150000.00}, which was enough to pay off the mortgage.
On XX/XX/XXXX Nationstar Mortgage returned {$150000.00} to my checking account. 
To date Nationstar has not sent me an XX/XX/XXXX bill but looking at my account online they say I did not make an XX/XX/XXXX payment and they have tacked on {$63.00} late charge.
Product: Credit card or prepaid card

I bought a Capital One credit card and they charge me {$17.00} to have my card shipped XXXX to XXXX business days on the XXXX of XXXX and I didn't get my card till the XXXX of XXXX and they still charged me {$17.00} that was clearly not XXXX to XXXX business days Capital One should be paying me my money back not robbing me then XXXX thieves!
Product: Debt collection

*** Missed portion of the initial complaint*** The company failed to address them illegally collecting in the state of Texas . Texas Surety bond information as required by Sec. XXXX. I attached a filed complaint with the Texas Attorney 's General office and a copy of them not have a valid and open surety bond. This company is in violation of Texas law and I demand for this to be removed from all 3 credit bureaus. So apparently, they did not read my complaint in its entirety. Per this requirement you must delete this trade line. 

And you somehow just wanted to close the previous complaint without them specifically addressing all my concerns. Sending me the validation was only part of it. How are they allowed to illegally collect in the state of Texas which is why I filed a complaint with the Texas Attorney Generals office, which is attached. All their surety bonds are closed.
Product: Debt collection

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.
Product: Credit card or prepaid card

Synchrony bank - XXXX XXXX XXXX Card - charged me for Card Security without my knowledge. I never signed up for card security program and was charged for this without my authorization. I reached out to them and they know they committed fraud and gave me back a portion of my money and said they would open up a case on get back to me. Of course they never did. I call them back and they say the same things every time and I get nowhere. I tried to request all of my statements for the card but they only sent me the statements for the months they refunded me my money so they are holding out on the evidence that shows they committed fraud. XXXX XXXX XXXX is just as guilty they must get some kick back for signing people up with out them knowing. The paper work we got from XXXX XXXX XXXX showing Synchrony bank didnt show where we signed up for this. How can I hold them accountable for their fraudulent actions? What actions can I take to get my money back?
Product: Credit reporting or other personal consumer reports

After reviewing my credit report Ive noticed a number of errors. As concerned and unaware to me there was incorrect personal information on my profile. I sent Transunion a letter explaining that the names and address on my profile arent true and to please fix this. 
I received an update of the information disputed that did not remove this untrue information. This is concerning because publicly credit bureaus sell your information to whomever wants to buy it and this means my privacy and livelihood are being violated. Lawfully to protect my rights and privacy there is only one name and address i have. All other names and address portrayed in my profile are open invitation to identity theft, prescreens, mail, etc are being sent to the illegal names and addresses on file. 
Please delete the following untrue information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My only legal residence is XXXX XXXX XXXX, XXXX, MD XXXX. 
My only legal name is XXXX XXXX. please update your records accordingly my safety is on the line.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is ARS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ARS ACCOUNT RESOLUTION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS ACCOUNT RESOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation, ARS ACCOUNT RESOLUTION is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ARS ACCOUNT RESOLUTION is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ARS ACCOUNT RESOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

am sending again a complaint in regards to the inaccurate and unknown things on my credit report. It has been over many days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please remove these items. Do so, to comply with FCRA which requires all reporting to be 100 % accurate. Here are the list of items that needs to be delete in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX and list of Inquiries. 

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

I am disturbed that XXXX, TRANSUNION and XXXX to ignore my request to remove and continue to list the dismissed bankruptcies as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that  are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and  send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 4 calendar days from receipt of this letter.This request from all these agencies have yet to be honored and removing this from my credit files.
Product: Debt collection

Letters were sent to the 3 credit bureaus on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 I received notification this was deleted from my credit report, yet it still remains.
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX**Balance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX Balance : {$230.00} Repaired Account/Updated to Positive : XXXX XXXX XXXX Balance : {$100.00}