23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hi, I was making an online credit card payment with capital one on my cell phone in  XXXX   (   XXXX  of  XXXX  . ).  The site was n't downloading properly but I was still able to submit the payment. It mistakenly submitted a payment in the amount of the full, remaining balance in the amount of {$2600.00} and I only found out when I was assessed the returned payment fee. Subsequently spoke with a rep., explained it was an error and the returned payment fee was credited. I recently applied for an increased credit limit with capital one as I 'd like to improve my credit ( build a better credit ratio ) and was denied due to the aforementioned returned payment. I phoned  them at least 2 to 3 weeks a go and spoke with a very helpful rep., explained to her what happened and requested they update their records and remove the incident from my history as it was an error. They have not removed it. I spoke with a rep. about 2 days ago and he said he could n't see it on my account, but it 's still there as I applied for a credit limit increase again but was declined for the same reason. Please contact them and hav e Capital One  remove it from my history and with all of the credit reporting agencies immediately. Thanks in advance for your invaluable assistance.   Thank you.
Product: Money transfers

I was working for a man who sent me a check. I deposited the check, and he asked me to make XXXX payments to an " art supplier '' by the name of XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX # XXXX XXXX, OK XXXX. I sent her {$1500.00} and {$1200.00} through MoneyGram on Saturday, XXXX XXXX, 2015 from XXXX separate locations. The following Wednesday, XXXX XXXX, 2015, I looked at my bank account and the check that my alleged employer sent me had been returned, thus putting my bank account in the negative balance. Once that had happened, I received another check for the same amount, so I took it to the bank to see if they could call and check the validity of the check, and they called the other bank and without even providing the checks information, the other bank told my bank ( XXXX XXXX XXXX ) that it was most likely a fraudulent check. After seeing that, I went to the police department and gave the Officer all of my documents, emails, and texts. They told me this has been happening more than you would think, and that the bank should work with me so I do not have to pay for the fraud. The bank submitted a dispute of the charges to MoneyGram to try and get some, if not all of the charges back. They also told me to contact MoneyGram and see if they have the information from the person that picked up the money as well. I will also upload the receipts from both MoneyGram money transfers as well as the Police 's Case #.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has taken off a XXXX that was on my credit report incorrectly only to put it back after XXXX months. This mistake has damaged my credit file and cost me time and money, I was just denied a loan because of the inaccuracies of Equifax reporting. 

The item that is to be removed is : XXXX. Chapter XXXX XXXX XXXX I am sure that Equifax is aware of the provision of Section XXXX of the Fair Credit Reporting Acto of 1970 is clear, I want this account to be removed from all current and future credit reporting. 

Additionally please tell me the names of any individual and or organization that you spoke with so that I can speak with them. 

Section XXXX ( a ) plainly states that a failure to investigate this account within 30 days constitutes a reason for permanently delete of the information on my credit report. 

Thank you 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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THIS IS A DUPLICATE ACCOUNT.
Product: Credit card

Subject : Request for XXXX XXXX XXXX, I hope this message finds you well. 

I have noticed that an item has been charged off on my credit report, but I did not receive the 1099-C form for this. Could you please send me the 1099-C form at your earliest convenience? 

If you have sent it to me previously when you should be, please provide proof of sending 1099-C. 

BANK OF AMERICA : XXXX Thank you for your assistance.
Product: Credit reporting

This is a complaint against ALL XXXX credit reporting agencies. 
I have reached out to all XXXX credit agencies ( Experian, XXXX and XXXX ). As well as contacted XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and the original Creditor who was to finance a possible car loan, XXXX XXXX XXXX. 

No one responded to me, except Experian and XXXX. I completely disagree with all three credit bureaus as they refuse to combine the multiple inquiries from XXXX company ( XXXX XXXX XXXX ) which MUST be combined, when done within the same time frame for the XXXX company. 

This is causing me a HARD INQUIRY on my report. XXXX to be exact. These are duplicate entries that the bureaus MUST delete. I understand that XXXX and all of its affiliates may not use the same data for each credit inquiry, nonetheless, it is XXXX transaction, which was split. I request that Experian, XXXX and XXXX combine all the Auto Credit HARD Inquiries on my account. They have the same for my husbands account which is not right. 

Below is what was in the letter, sent my certified mail, a response was received last week from Experian and XXXX stating there will be no change. 

Acct XXXX : Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XX/XX/XXXX and XX/XX/XXXX which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his Manager XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only XXXX listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit. 

XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

BBVA is engaging in illegal harassment and intimidation as a result of my previous successful complaint XXXX in which BBVA admitted wrongdoing and giving out false information. BBVA first blocked my online access and now is refusing to permit me to close my account and give me my funds even though these are collected funds in good standing with BBVA for over six months. PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. I didnt give any authorization to anyone to use my information date XXXX in person or online for to apply for any type of credit card, Citibank/NA/Best Buy XXXX has valet my right 15.U.S.C 1681 Section 602 A Section 604 A Section 2 : its also state a consumer reporting agency can not furnish a account without my writing instruction 15 U.S.C 1692C ( A ) Without the prior consent of the consumer given direction to the debt collector or the express permission of a court of competent jurisdiction, adebt Collector may not communicate with a consumer in connection with the collection of any debt -15 U.S.C 1692 B ( 4 ) not communicate by postcard 15 U.S.C 1692B ( 2 ) Not state that says consumer owes any debt. 15 U.S.C1692B ( 5 ) not use any language or symbols on any envelopes or in the contents of any communication effected by the mail or telegram that indicates that the debt collector is in the debt is in the debt collection business or that the Communication relates to the collector up a adebt
Product: Credit reporting

Starting in XX/XX/2013, Someone used my name and address to create checks, to a fraudulent checking account. I filed a complaint with FTC ref number XXXX and a police report ( report number XXXX. I looked at my credit report, and found XXXX pages these fraudulent checks on it. I do n't know how to get these off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts # XXXX, XXXX has violated my rights 15 u.s.c 1681 section 602A states I have the right to privacy.

15 u.s.c 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I, XXXX XXXX recently pull my Credit Profile and notice an extreme  lates that were reporting on my credit report. The below LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of the account. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payments history information. This student loan has been in forbearance and shall not be reporting late to my credit profile PERIOD. This account is reporting late as of XX/XX/2019 and has affected my credit report tremendously which is a BIG VIOLATION OF THE FCRA 623 ( a ) 2 PLEASE UPDATE AND REMOVE IMMEDIATELY!!!!!! 

Account Name : XXXX Account Number : XXXX According to the FCRA
Product: Credit reporting or other personal consumer reports

Synchrony/Pay pal account Account has been reaged several times- evidence attached. 
Account is inaccurate and incomplete Also a charge off receiving an IRS 1099C write off Also, in collections And account was also paid by the insurance premium in the finance charge This is corporate FRAUD.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries related to fraudulent activity blocked from my credit file. 
Please remove the following accounts from my credit report : Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries with all  XXXX  bureaus since  XXXX   2017 . My initial dispute for  VALIDATION  was online and the results came back as " verified ''. When I called in  XXXX    XXXX    2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified. It has now bee n 60plus days and 3 di sputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS,  ONE  MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely spe ak English an d I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard  INQUIRES, it  is prevented me from obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, For my student loans, The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For the other accounts : 12 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 an account without my written instructions. I did not give permission for these to be reported on my consumer reports.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. These have caused defamation of my character and extreme stress. 
Please send me an updated report upon completion of my request.
Product: Mortgage

Made payment XXXX/XXXX/2016 by phone, it was never posted to my bank account, then get letter on XXXX/XXXX/2016 stating the check had been returned for NSF, I checked with bank and amount was never posted to my account, that had at ampule amount to cover payment, also the amount they stated was NSF was not what was charged on that phone payment, they add XXXX charge and and the letter letter only had XX/XX/XXXX regular payment amount, we paid the property taxes ourselves, because the mortgage company did not, but they show on their records they did, they 've added late payments each month, which were not, they will not send statements, we have asked several times, we were discharged from Chapter XXXX on XXXX XXXX, and they still will not discuss with us any information on our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : CREDIT XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # XXXX Account Name : ( Original Creditor : ) Account # 1026**** Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

I have been divorce for many years, took the steps after my divorce to get my life back together as it has been over 7 years, I had my credit pulled a couple months back and a debt from a company named One Main Financial was listed, this is my ex husbands debt. Several request via the phone and in writing have been sent to this company to validate this as I do not recall ever obtaining only my ex and this company has never once responded back providing me a signed initial contract with my signature. I have disputed this account also with the XXXX major credit agencies which they have all stated they verified which how are these companies able to verify when I can not. I am lost for words as I can not move on with my life with this old debt which I do not believe I am responsible for is listed that I owe. Does n't a company have to have proof/validation of a signed initial contract and prove that it is within the statue of limitations? I do not know where to go from here I am asking your agency to help me as your company helps consumers.
Product: Debt collection

This phone calls for closed credit card account. Explained to the person credit card account is more than 10 years old and this account is closed about 2 yeas ago.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Inaccurate Reporting and Failure to Properly Investigate Dear Experian, XXXX I am writing to formally dispute the reporting of an account under XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX ) XXXX XXXX XXXX # XXXX on my credit report. This account is removed from XXXX but still reporting on my Experian and XXXX credit report, your prior failure to properly investigate this matter is a direct violation of 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable reinvestigations when a dispute is raised. Issue : The account is reporting fraudulently on my credit report, and despite notifying Experian and XXXX about this false information continues to appear on my credit report. Experian and XXXX lack of a reasonable investigation into the accuracy of this accounts information has harmed my credit and violated my rights under the Fair Credit Reporting Act ( FCRA ). Required Actions : Immediate removal of the fraudulent account from my credit report. Ensure compliance with 15 U.S.C. 1681s-2 ( b ), which mandates that data furnishers also investigate and correct any inaccurate information. If this account is not removed from my credit file within the timeframes required by the FCRA, or if Experian and XXXX fails to adequately explain the verification process, I will escalate this matter by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Consulting legal counsel to pursue damages for violations of 15 U.S.C. 1681i, 1681s-2, and other applicable laws. Please confirm in writing that this account has been removed and provide a detailed explanation of the steps taken in your investigation. You may contact me. Thank you for your prompt attention to this matter. Sincerely, [ XXXX XXXX ]
Product: Debt collection

Date opened : XX/XX/XXXX Amount : XXXX I contacted PROCOLLECT, INC. to see why and how they are on my credit and in collection when I never had a contract with them, and I also have a Judgement of Release from XXXX XXXX XXXX XXXX  on XX/XX/XXXX, for owed rent and attorney fees. Also, these apartments were demolished, so accessing my ledger is very difficult. 

A judgment release, also known as a satisfaction of judgment, is a legal document that proves a debt has been paid in full. It is signed by the creditor and is final. Which I provided to PROCOLLECT , INC . 

They were also very rude when i spoke with them.