23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

CAPITAL ONE has entered into a consumer credit transaction with via using my social credit card defined under 15 USC 1602 to extend me my on credit on multiple accounts. In the year of 2022 CAPITAL ONE has committed ADVERSE ACTION and has discriminated against me and my RIGHT TO CREDIT as defined under 15 USC 1691 by shutting down my accounts and denying me a Granted Right which is access to extend credit. CAPITAL ONE has been in violation of the ECOA and Tittle 18 USC 242 for denying me a federally protected right to extend credit and have access to credit. CAPITAL ONE once aft er taking ADVERSE ACTION discriminating against me has reported false statements on my consumer report hurting my reputation and hurting my credit worthiness further negatively impacting my right to extend credit in the banking system. CAPITAL ONE is reporting an alleged debt that arose out of a consumer credit transaction via a FINANCE CHARGE and is falsely reporting charged off accounts as Income on my reputation as defined under IRS Guidelines. TENDER of payments were attempted to be made on the accounts to satisfy the alleged debt In Good Faith but was REFUSED by CAPITAL ONE. Such Refusal of legal tender has now discharged the debt under UCC 3 -603 and has placed CAPITAL ONE under a violation of the Federal Reserve Act Sec 29. CAPITAL ONE has been given the opportunity to perform and provide VALIDATION of the alleged debts by providing key information that which if provided payment in FRN would be made. CAPITAL ONE has failed to provide Lawful validation of any Lawful debt and despite lawful payment attempts being made and continues to furnish false statements on my reputation harming my character and right to credit.
Product: Credit reporting or other personal consumer reports

the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received notices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  about a Dark Web issue, I need to put a freeze on all 3 credit bureaus, I was successful with XXXX XXXX XXXX XXXX but Experian is not willing to help. 

THE ISSUE, No matter what number I call for Experian it all goes back to the same automated voice mail system, with no live operator for assistance. 

ONLINE ATTEMPTS / 12 so far When I go to Experian.com It will prompt you if you have forgot your USER NAME click here, it then says an email has been sent to you to change your USERNAME, over 13 attempts and I have not received a response back at all. It seems apparent that the email Experian has on file for me is incorrect or they system simply does not work. 

All I want to do is access my Experian Account so that I can place a Freeze on it. 

If someone from Experian would simply contact me I would appreciate it.
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. 

Account name : XXXX  XXXX ACCT # XXXX, has violated my rights. 

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 or other personal consumer reports

Dear Equifax, I am writing to formally notify you that I am a victim of the data breach that occurred within your organization in 2017. As a result of this incident, my sensitive personal information may have been exposed, putting me at risk for identity theft and other related issues. 

To ensure the security of my personal information and to prevent potential misuse, I kindly request confirmation that appropriate measures have been taken to protect my data and any necessary steps I should take moving forward. Additionally, please inform me of any available resources or support services you offer to breach victims, such as credit monitoring or identity theft protection. 

Please provide written acknowledgment of this correspondence at your earliest convenience. You may contact me by mail, email, or phone if further information or documentation is required. 


Please remove accounts XXXX XXXX XXXX and XXXX XXXX Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 

1 ) XXXX XXXX # XXXX 2 ) Enhanced Recovery Co # XXXX
Product: Checking or savings account

LAST PART OF XXXX, XXXX  - FRAUDULENT ACTIVITY WAS ALLOWED WITHIN MY CHASE ACCOUNT XXXX XXXX XXXX IN SPITE OF ADMONISHMENTS AND HOURS UPON HOURS OF COMMUNICATION TO STOP IT FROM HAPPENING. 

THEN WHEN IT DID HAPPEN AS I KNEW IT WOULD, CHASE FROZE MY ACCOUNT AND BLOCKED ALL ACCESS. I WAS TOLD THAT THE ACCOUNT COULD NEVER BE REINSTATED AND THAT NO FURTHER ACTIVITY COULD OCCUR. 

I WAS FORCED TO START A BANK ACCOUNT ELSEWHERE BUT WAS UNABLE TO STOP MY XXXX SOCIAL SECURITY AUTO-DEPOSIT. I MADE 2 CALLS TO CHASE AND WAS ASSURED THAT THAT DEPOSIT COULD NOT BE ACCEPTED BECAUSE THAT ACCOUNT HAD BEEN CLOSED. I WENT INTO THE LOCAL BRANCH IN XXXX AND WAS AGAIN REASSURED THAT THE DEPOSIT WOULD NOT BE ACCEPTED BUT RETURNED TO SOCIAL SECURITY FOR DEPOSIT IN MY NEW ELECTED ACCOUNT. 

IT WAS NOT RETURNED BUT WAS INDEED SWALLOWED BY CHASE. I CAN KNOW THIS BECAUSE MY NEW ACCOUNT WAS TIED TO THE CLOSED ACCOUNT AND I AM ABLE TO TRACK CURRENT BALANCE IN THAT MANNER EVEN THOUGH I HAVE NO ACCESS TO INDIVIDUAL TRANSACTIONS. 

I HAVE BEEN REFUSED ACCESS IN SPITE OF MANY COMPLAINTS AND WAS INFORMED BY THE FRAUD DEPARTMENT TO INQUIRE AT THE ONLY LOCAL BRANCH. WHEN I INQUIRED THERE THEY TO ME TO GO TO THE BRANCH MGR. HERE SHE SAYS I WILL NOT BE GRANTED ACCESS. 

CHASE HAS A LOT TO ANSWER HERE AND FRANKLY HAS STOLEN FROM ME.
Product: Debt collection

VALIDATION OF DEBT, CONDITIONAL ACCEPTANCE UPON VALIDTION OF DEBT AND TENDERED NEGOTIABLE INSTRUMENT WAS SUBMITTED ON XX/XX/XXXX VIA RE XXXX XXXX XXXX XXXX and XXXX HAS FALIED to VALIDATE the DEBT. YESTERDAY they SENT ME A DELIQUENT NOTICE WITHOUT SENDING ME VALIDATION OF DEBT PER WRITTEN REQUESTS. THE HAVE BEEN GIVEN NOTARY CERTIFIED NOTICE OF DISHONOR and FAUL IN DISHONOR WITH OPPORTUNITY TO CURE. 

Under the Fair Debt Collection Practices Act ( FDCPA ), if a creditor can not verify a debt it may not collect the debt or otherwise contact the debtor about the debt. If the collection agent does not contact you further about the debt, it is safe to assume your collection account was a bare account, and therefore is non-collectable. 

I will FILE a DEFAULT & DISHONOR with SECRETARY of STATE and IRS is 1099c is not issued and HOLD CFO XXXX XXXX PERSONALLY RESPONSIBLE and FILE COMMERICAL LIEN I am UNABLE to UPLOAD SUPPORTING DOCUMENTS because your system says I can not upload files that exceed XXXX so I will call in tomorrow to complete this submitssion and fax in my attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00}XXXX XXXX XXXX  XXXX Balance : {$480.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I filed a complaint against Midwest Recovery systems. They advised that they could not verify the debt and stated that they sent letters to all the credit bureaus on XX/XX/XXXX to remove the information. The company also advised that it would take 30 days from that day. Well today is XX/XX/XXXX. It has been more than 101 days and this information is still located on my XXXX   Credit Report. Can you please remove this inaccurate information. I have called several times with no help.
Product: Credit reporting or other personal consumer reports

Hi, Ive been writing letters to the consumer reporting agencies office since XXXX concerning these 3 unfamiliar accounts they've added on my credit report. 

XXXX XXXX Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX Account # : XXXX Please know that this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXhas long been deleted in XXXX and Experians side but XXXX still shows this in their record. I'm not also familiar with those other two accounts. Kindly help me in the removal of those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting to credit bureaus. 

LoanCare , LLC acting as subservicer for XXXX, XXXX misallocated two sequential, on time mortgage payments. Subsequent to " full resolution '' LoanCare initiated derogatory Late Payment reporting to consumer credit bureaus. 

XX/XX/20 and XX/XX/20 : ACH mortgage loan payments were initiated by my bank and accepted by LoanCare. 

XX/XX/20 : First Notice of delinquent payment via USPS, physically received, letter dated XX/XX/20. 

XX/XX/20 : Phone conversation with XXXX XXXX and LoanCare representative XXXX XXXX # XXXX XXXX. XXXX reports no record of payment reference above two payments. 

XX/XX/20 : Requested and received " Proof of Electronic Payment '' from initiating financial institution corroborating above referenced payments and dates ( each showing Remit Date one day prior ). 

XX/XX/20 : Phone conversations involving XXXX XXXX, XXXX representative XXXX XXXX XXXX and LoanCare LoanCare representative XXXX XXXX # XXXX XXXX. XXXX acknowledged payments were received by LoanCare and applied to incorrect, unrelated account. Late fee waived, matter seemingly resolved. Payment received date still inaccurately reported as XX/XX/20 XX/XX/20 : Notification from Credit monitoring service : " It looks like you have an account with a past-due balance of {$220000.00} with LOANCARE. '' XX/XX/20 : Phone call to LoanCare Customer service XXXX XXXX and XXXX XXXX to request credit error be corrected, advised to complete online form. 

XX/XX/20 : Credit Reporting Dispute submitted and receipt of same emailed to consumer XXXX ticket # XXXX XXXX. 

No correction to credit report or contact received from LoanCare to date.
Product: Credit card

I paid in full credit card with XXXX with Capitol One on XX/XX/XXXX from checking account ending XXXX to credit card ending in XXXX of {$5300.00}. My confirmation number from Capitol One ... XXXX. payment was due by XX/XX/XXXX. I called customer service at Capitol One when I noticed they tacked on a finance charge of {$44.00}. The female representative refused to credit finance charge or acknowledge I paid off my entire credit card balance! I request finance charge to be removed and letter sent or email reflecting no further monies due from Capitol One to me XXXX XXXX.
Product: Credit card or prepaid card

I recently reached out to and spoke to XXXX XXXX, senior specialist for Synchrony, on or around XX/XX/XXXX and she advised that XXXX would be re-opening the dispute I placed on or around spring/summer XXXX. The first fraud claim for I received back from Synchrony stated that the it was denied for the following reason : merchandise was shipped to customer 's verified address. As of XX/XX/XXXX, the claim was reopened and denied again. This time the reason selected for denial are as followed : ( 1 ) customer benefited from use of card/participated in the purchases and ( 2 ) customer accepts responsibility for the charges. If my wallet, credit cards, and license was stolen then of course someone could have easily purchased the my card. For one, the person who stole my wallet had every piece of my information, so I had to get a new ID and put locks on all credit reports. Of course they would have the items mailed to my house and swiped. Also, how does one claim have one reason and the second claim have 2 totally different reasons for denials. It makes no sense at all. Also, I never accepted responsibility for the charges nor did I ever speak to anyone and tell advise them of that since this claim was resubmitted. Back in XXXX a previous neighbor brought a package to my home that had been delivered to their home in error. She said she's been holding it since XXXX or XX/XX/XXXX, because I'm never home when she comes by. After looking at the details of the box it is a table. This XXXX case needs to be reopened and someone needs to tell me what I need to do with this box that was not purchased by me. Also, the box is unopened. I am willing to do whatever is necessary to get this handled in a timely manner and my credit report fixed with the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a tax lien that was paid and canceled with the state of Georgia in 2013. I have the letters from XXXX County Georgia Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.
Product: Consumer Loan

Ally Auto financing makes it hard to get the 10 day payoff. They take 3-5 business days to process a 10 day payoff and does n't make it available online even though they have online bill pay and financial online statement. How can they make it easier to obtain the payoff amount
Product: Debt collection

I already filed a complaint against Slovin & Associates which was closed. 
I provided feedback but I did not get to also say that Slovin & Associates did not acknowledge that they threatened to put a lien on property that is not even in my name. And this was after I already acknowledged I was willing to pay the debt, but not willing to pay or make double payments. 
Im not willing to make payments on debt that was already paid, there is also documented proof of previous payments made. 
Only part of the debt is actually still owed and its at least 3 years old. That was also not acknowledged in the previous complaintthat previous payments were already made, documented, and they are trying not to acknowledge those. 
Slovin & Associates also made sure to be as carefully, insulting towards me as they could. 
They also sent me further paperwork trying to force me into a payment plan that I cant afford, trying to threaten and force me to pay the full amount that was already paid on, and threaten me with a lien on property that I dont have. I stated I would make payments so I dont understand why threats need to be made. 
They need to be held in check or I fear they could get out of control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE REPORTING OF THESE ACCOUNTS SEVERAL TIMES. THESE ARE BEING INACCURATELY REPORTED ON MY CREDIT PROFILE. THE CABLE BILL IS FRAUDULENT. THE XXXX LATE PAYMENTS ARE TOTALLY INACCURATE. THESE LATE CHARGES ARE HOLDING MY CREDIT SCORE DOWN. I AM TRYING TO BUILD MY PERSONAL CREDIT TO BUILD MY BUSINESS BUT THESE INACCURATE REPORTED ACCOUNTS ARE A HINDERENCE. IT IS ALSO UNFAIR PRACTICES. XXXX  AND XXXX ARE NOT REPORTING THESE INACCURATE ACCOUNTS. ONLY TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   continues to list a derogatory report on a vehicle that was sold in XX/XX/2016 and has not been my responsibility for three years. I have addressed the issue with the company that performed the predatory loan `` Regional Acceptance Corporation '' and am considering joining one of several class action suits against this company. 
The XXXX that they claim that I owe is fraudulent and I want XXXX  to delete this account from my record. 
To date ; I have lost Five Job offers due to this and will sue in Small Claims if I can not afford to do anything else with it. 
In my last dispute, I included the proof that I have no responsibility for this vehicle which has been sold four additional times after I sold it as per the department of Motor Vehicles, to no avail.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus about these inquiries that are on my credit report that I have no knowledge of applying for. I asked the credit bureaus to remove the inquiries from my credit report due the fact that I did not authorize these companies to run my credit which makes them fraudulent. 

XXXX. XXXX : Inquiry Date : XXXX XXXX ( I never applied or authorized the inquiry ) Sent written correspondence to remove from report. No answer from XXXX or Experian to date. 

XXXX. XXXX Inquiry Date : XXXX XXXX ( I never applied or authorized the inquiry ) Sent written correspondence to remove from report. No answer from XXXX or Experian to date. 

Thank you in advance for your assistance, XXXX XXXX XXXX
Product: Credit card or prepaid card

Concern a Citibank credit card. On XX/XX/XXXX. XXXX I reported my XXXX XXXX XXXX credit card lost. Citibank cancelled the card and issued a new card. On XX/XX/2023, I spoke to an employee ( XXXX XXXX of Citibank who advised me that it is their policy not to allow automatic charges from the old card to be transfered to the new card, and that I should contact vendors who had been automatically charging the old card, and give them the new card information.To my surprise, the company XXXX which had been charging the old card, was allowed to continue charging the new card. I contacted Citibank and spoke to a XXXX who told me that they will reverse the {$33.00} charge on the new card statement. The charge was not reversed, and Citibank proceeded to levy a late charge of {$30.00}. On XX/XX/2023, I closed the account, which I held for 32 years. The {$33.00} has now with the addition of late charges grown to {$140.00}. I have no intention to pay what I do not owe. At age XXXX years, I have seen the likes of Citibank evolve from predatory to parasite, particularly on the defenceless consumers left to their mercy by government bent on protecting our free market capitalism. I have no problem with the world seeing my information and my complaint.
Product: Checking or savings account

Alliant credit union closed my account ( XX/XX/2019 ) but it has been close to a month without sending back my money ( over {$2900.00} ). I can not login online. I called them on the phone and I was told someone would call me back but no one did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.