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

We disputed the date of first delinquency reporting on a credit account. The first delinquency was over 7 years ago. A few small payments were made for less than the minimum due, and several automatic payments were returned, therefore, the account was never brought current after the first delinquency. We submitted documents from the credit reporting agency and from the creditor regarding payments and documents showing the account was never brought current. The credit reporting agency stated that even though they had the documentation and that those documents proved the date of first delinquency was not reporting correctly, that they would not remove if the creditor stated the account should be reporting. I asked  2 su pervisors at Equifax about reinvestigating under FC RA Section 611, and Equifax stated they could not reinvestigate based on any documents the consumer provided, only by what the creditor reported. This seems like a violation of the FCRA 611, and I   do not think Equifax is following this regulation correctly, because what I submitted were documents from Equifax and the creditor as my documentation for the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XX/XX/XXXXXXXX DEPT OF EDUCATION/XX/XX/XXXXXXXX DEPT OF EDUCATION/XX/XX/XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX I.C. SYSTEM, XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card

I paid my large first time Capital One credit card balance one day ahead of my AutoPay date. They had given me a {$15000.00} Credit Limit which I was several hundred dollars shy of. Nevertheless they had begun declining my purchases in advance. The company transferred approximately {$15000.00} on that date. I have never had such a large balance and don't expect to repeat this ever again. The next day the AutoPay function transferred another {$10000.00} and now I have to wait while they hold onto the money for a few weeks. The money sits on my account as a {$10000.00} Credit which I will never use. I asked why they couldn't write me a refund check as fast as they took it. They said a conference call with my bank to confirm the transfer would make that happen. The representative put me on hold. The next thing I knew I was talking to my bank without them. I was told the money was gone. I called Capital One again. They tried for a conference call but the wait was too long. They also said I was obligated to find the Cancel AutoPay button for one-time use on their website when making a payment before the due date. This while the card was effectively useless forcing me to make an advance payment for no reason. Except one - they temporarily have a large amount of my money.
Product: Debt collection

credit card agency has negative marking on credit report, although there is a {$0.00} balance owed. I have contacted both XXXX and XXXX to investigate the negative marking, and the deb agency has yet to respond to my complaint. I'm asking that the marking is removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.
Product: Checking or savings account

Capital one 360 my account was compromised and XXXX $ was stolen from my account. They refuse to help me retreave any information and closed my account and refuse to help me
Product: Money transfer, virtual currency, or money service

I am reaching out regarding Case ID XXXX, which was filed on XX/XX/2024. This claim was initiated because a credit that should have been issued for two transactions was not processed. According to Visas guidelines, this situation falls under reason code 13.6 : " Credit Not Processed. '' This code applies when customers have a receipt for a voided transaction or a credit, but the transaction has not been processed. 

On XX/XX/XXXX and XX/XX/XXXX, the cardholder made two separate transactions with the merchant for a holiday stay, reserving two different rooms. Due to a processing error, these transactions were later refunded, and the cardholder was assured they could rebook their stay directly at the hotel for the same price. The cardholder proceeded to purchase both rooms at the hotel, but has yet to receive a refund for the original two transactions. Attempts to resolve this with the merchant have been met with resistance and a lack of cooperation. 

The cardholder received a letter indicating that the dispute was denied, stating, This is an authorized transaction related to a merchant dispute, and we recommend resolving this matter directly with the merchant. This response is completely unacceptable. All supporting documentation, including email communications and receipts confirming the cancellations and subsequent purchases, was provided, yet the issue remains unresolved. 

The merchants unwillingness to address this situation is disappointing, and now it appears that the bank is not taking appropriate action either. It is entirely unjust for the bank to dismiss the case without conducting a thorough investigation, especially when the cardholder has provided ample evidence. I expect this matter to be revisited and handled with the seriousness it warrants.
Product: Debt collection

Account should not be in collections, if not removed I will contact an attorney
Product: Credit reporting or other personal consumer reports

My car loan was paid in full - my auto insurance & XXXX insurance carriers paid MORE than the full balance of the loan. 

I'd previously filed a separate complaint against XXXX XXXX XXXX XXXX in XXXX because they were reporting my loan as a charge off. They sent a response advising there was an issue with the payment from the XXXX insurance XXXX but they initiated another claim to get the outstanding amount & would correct my credit report once they received the payment. 

After a review of their financial records, in XX/XX/XXXX XXXX XXXX XXXX XXXX sent a letter advising that they discovered my loan was actually overpaid & issued a refund check plus interest ( see attached ). For some XXXX forsaken reason, XXXX XXXX began actively reporting the account as a charge off on my credit reports in XX/XX/XXXX & have been doing so for the last 6 months. Not only was the loan MORE than paid in full & not charged off, the loan is from XXXX & has not been active in years so there is no reason for them to be actively reporting it on my credit as a current charge off. 

This is the second time I've had to file a complaint against XXXX XXXX for adding wrong/disparaging information on my credit report. Obviously, this new issue with them has resulted in XXXX credit drop at their hands, They continue to cause me distress, both emotional & financial, with their inaccurate reporting. They've been fined for poor/predatory banking practices so many times that it's unbelieveable they are still allowed to do business. When are you all going to actually protect consumers & shut them down?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : I am disputing the missed and late payments reported on my account XXXX. Please provide statements and records of all payments made and missed since I opened this account for review. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on my account XXXX. Please provide statements and records of all payments made and missed since I opened this account for review. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The items in question are either inaccurately reported or have already been resolved, and I am requesting a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. 
Please investigate this matter promptly and update my credit report to ensure it reflects accurate information.
Product: Debt collection

ALLIED INTERNATIONAL CREDIT CORP., ( AIC )., ( US ) XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Office Hours : Mon-Fri XXXX - XXXX EST XXXX. I received a letter dated XX/XX/XXXX from AIC stating that my XXXX  account incurred debt of {$940.00} and that XXXX sent this to AIC for collections. 

My XXXX  account is up to date with no money owed. Letter states the following : " The above referenced number XXXX has been referred to our office for collection by XXXX, the creditor. Furthermore, AICs letter has a unique statement that states ; As we are nearing tax return time, AIC ( US ) is reaching out to provide an opportunity for you to fulfill your obligation. If you are receiving a Tax Refund this year, consider using those funds to pay the balance due. I fine this statement deceptive by AIC to collect a debt that I do not owe. XXXX does not send any of their Buyer 's accounts to a collection agency, and that you would always first receive an email from XXXX, notifying you your account is past due. AIC fraudulent reports go back at least 4 years on XXXX 's community site. 

Furthermore, in XXXX of XXXX, XXXX, a nationwide credit reporting company headquartered in XXXX, Georgia, announced that a data breach at the company resulted in the exposure of approximately 147 million U.S. consumers sensitive personal information, including names, addresses, social security numbers, and dates of birth. 

Based on the information I provided, their records indicate my personal information was impacted by this incident. I could be a victim of identity theft.
Product: Debt collection

In 2019 I experienced a robbery where my purse was stolen with all of my credit cards money, birth certificate passport ID and Social Security was inside. A police report was filed and ultimately it appears there was identity theft as a result. I do not owe this debt and I AM not an individual who has done business with this company. I need your assistance in mediating the possible rectification of this error
Product: Debt collection

I have recently discover that someone has been using my ID and personal
financial information to open up accounts for lines of credit and business
transactions with companies that I do no recognize. I have several lawsuits that I
was unaware of that have dubious origins and various jurisdictions. I was able to
locate the Franklin county items that are not mines and are fraudulent actives
starting on or around 2004 to present. I have file a FTC ID The Affidavit as well
as a CFPB compliant against these companies. The follow accounts and case are
fraudulent/unknown/unverified : RANDY T. SLOVIN SLOVIN & ASSOCIATES/
XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX I am contacting the bureaus ( Experian ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I deposited a check into my US Bank checking account. The check was bad. I closed y account and paid it the next week when I got paid. It is still showing on XXXX XXXX under closure status it says not reported. It was reported on XX/XX/2015. I took care of it the following week and should have been closed. I called US Bank last week when I tried to open my new checking and got denied. They emailed me a letter to take to my bank stating I did not owe them any money. I thought they would have this removed, but it is still showing on the report I received today.
Product: Credit card or prepaid card

I Filed a complain with XXXX complaint XXXX. I have an account with td bank for a XXXX I purchased through ramour and Flanigan. I paid down balance from XXXX to XXXX and apparently they said there was deffered interest and amounted to about XXXX. I was set up on XXXX and didn't receive notice/ statement that this was going to happen or I would of just paid it off. I called company and they said there is nothing they can do. I have to pay the XXXX deffered interest charge plus the interest of XXXX dollars a XXXX it was charging. I just feel if there was deferred interest they should send the XXXX statements in the email but instead it just emails you saying a payment is going to come out and doesn't say anything has changed. I looked up td bank and they have XXXX of complaints of similar stories online. 

XX/XX/XXXX charged XXXX}, XX/XX/XXXX charged XXXX, XX/XX/XXXX charged {XXXX}, XX/XX/XXXX charged XXXX, XX/XX/XXXX charged XXXX, XX/XX/XXXX charged XXXX XXXX : XXXX I have since paid off everything owed but this interest left on account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B A billing error 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
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I want to buy a XXXX from XXXX they advertised that the only way to purchase on XXXX XXXX is to finance through citizen one bank, I input all my personal information and right away they tell you that you are declined, later I got an email that said that my identity can not ve verified and if you have a question to call XXXX which I called same date XX/XX/XXXX XXXX from customer service told me that the said the same to all applicants that way they have to call to finish the application my was XXXX I told that was unethical what they were doing and that I don't want to continue with the application and to don't report it to my clean credit ( I haven't have a hard enquiry in more than 3 years ) he agree and gave me a confirmation # XXXX today XX/XX/XXXX I check my XXXX XXXX and I see a hard enquiry on XXXX from Citizen one Bank I called them and they told that it was reported because I applied and I was declined I asked the declined reason and she said because applicant doesn't meet program guidelines, I asked what are the guidelines and she couldn't tell me. I told her that I was told that wasn't going to be reported that I have a confirmation # for the removal she didn't listen and told me to dispute with the credit bureau that they can not remove it, I told that they can and they should because it's illegal advertising and they can't tell all applicants to call them to verify that is unethical if you apply and fill requirements should approve on the spot. I want them to remove this enquiry from credit bureau because it will affect my credit for 2 years. My name XXXX XXXX, phone XXXX, address XXXX XXXX XXXX XXXX CA XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

I have sent funds through XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from CCB/XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CCB/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CCB/XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$140.00} ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following First Access Visa credit card account/Card : XXXX through the XXXX XXXX XXXX is lost/stolen, has fraudulent transactions on the account and the account dont belong to me. The account is fraudulent and i never applied for this account. The account is fraudulent and unauthorized.