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

I applied for my fist credit card between XXXX XXXX with Capital One. The card that I applied for was the SavorOne Rewards for Students with a promotional rate of 0 % APR for the first 15 months and a {$200.00} bonus statement credit on purchases made in 6 months. When I applied for the exact card, it started that more information was needed to complete my application. I uploaded proof of my ID as request. A few days later I received an email stating that my card has been shipped. Now that I've been using my card, I noticed that I've been charged a APR of 26 % or higher for purchases. I've spoke to a few reps. who escalated my call to the highest department stated who was very unhelpful in resolving my matter. I informed her that I never received anything in the mail, email or during my application stating that I wasn't approved for the promotional offer of 0 % APR for 15 months and a {$200.00} statement credit. She informed me that there's nothing she could do and that she couldn't send me anything stating a wasn't approved for what I applied for. They approved me for a credit limit of {$3000.00} but not the promotions. This isn't fair and I need proof. This is false advertisement and discrimination.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have found out that the account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent XXXX I have no association with the above mentioned accounts and address. They do not reflect my factual information and area a breach of my personal information. Please investigate and remove these fraudulent accounts and address from my records immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not the original furnisher! You are not conducting a proper investigation! I dont want to sue lexis but it look XXXX sure Im going to come after you with suit!!!
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally dispute unauthorized credit inquiries and incorrect accounts on my credit report. Under FCRA 611, I request an immediate investigation and removal of the following unauthorized and inaccurate items. 

Unauthorized Hard Inquiries I did not authorize the following companies to access my credit file. These inquiries violate FCRA 604 and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Accounts That Do Not Belong to Me The following accounts do not belong to me. Under FCRA 609, I request their immediate removal : XXXXDOFED Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
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 {$2000.00}.

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. 
-- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my report and noticed i had fraudulent accounts on my report please remover these accounts from my report they are hurting my ability to obtain credit
Product: Debt collection

I received a letter that I owe money but it does not state any direct information to tell me what it is referring to. I would like an itemized list of what this debt amount is referring to.
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 correct : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00}
Product: Student loan

I refinanced my student loan with Earnest on XX/XX/2019. The first issue I had was that they over paid my previous lender and immediately starting charging interest on that principal, even though it stated in the documents that I am to continue making payments with my original servicer ( obviously ) and that if my actual payoff balance was different than I originally claimed in the application, that it would be adjusted properly. Earnest did not adjust the loan origination amount. Secondly, I received my first statement on XX/XX/2019 and immediately arranged auto-pay through the Earnest website. I elected for bi-weekly payments, every other thursday, to start on XX/XX/2019. The first payment on XX/XX/XXXX came out promptly and without issue. However, the payment on XX/XX/XXXX did not process. I noticed over the weekend and called them on XX/XX/XXXX to find out why. They stated it was a newly realized problem that hadn't yet been solved. I asked them if they had any intention of notifying me that there was a problem and they said they were still trying to identify everyone who was being affected. The rep then told me it appeared to only be an issue with the second bi-weekly payment and that the first bi-weekly payment of the cycle was processing with no issue. They offered to process my payment same day and make it effective on XX/XX/XXXX and that the interest would be recalculated. Now, the XXXX   of XXXX  rolls around and my payment does not process for that date either. Their website  states that I am enrolled in bi-weekly auto-pay. My billing statement states on page 1 that I am enrolled in bi-weekly auto-pay. Additionally, I elected for the overpayment billing instruction to bill me for my full monthly payment regardless of how much I pay throughout the month. I have yet to receive any communication via email or snail-mail that there is an issue processing auto-payments and I am horrified to think about how many people they are charging interest to for unpaid principal when they have a payment agreement already in place. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX XXXX Department of EducationXXXXXXXX XXXX XXXX XXXXXXXX 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
Product: Credit card or prepaid card

I was on a tour in XXXX and the guide took us to a jewelry shop where I attempted to purchase some gold jewelry. They had me sign paperwork and charged my credit card Then they asked for my passport. I had left my passport in the hotel a couple hours away They said they would bring the jewelry to the hotel later. When they arrived at the hotel they refused to provide a certificate of authenticity for the gold jewelry. 
I asked to cancel the transaction because I was suspicious this wasn't real gold. The merchant took the jewelry and said the transaction was canceled. I have video I took with my phone of this exchange with the merchant. 
I notice that they charged my credit card. I disputed this with Capital One, they reversed the charge but a few weeks late they charged my card again. I told them I have video of the entire exchange with the merchant taking the jewelry and saying the transaction was canceled. Capital One said it is their policy they don't accept video and I should take a picture of the video to send them. But a picture of the video doesn't show, or allow them to hear, what the merchant did and said. 

I can provide the video but am having trouble with the 10mb file limit. Let me know if you need it and I can try to break up the video to smaller pieces
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information appearing on my credit report. Specifically, the following names and addresses are listed on my report as past residences where I have never lived and names that are not mine : XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 ( this address is not mine ) I have confirmed that I have never resided at any of these addresses and have no connection to them whatsoever. The inclusion of these inaccurate addresses is damaging to my credit report and potentially impacting my ability to obtain credit, employment, and other benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit reports frozen on all three reporting bureaus. 

Today XX/XX/2021, in order to apply for an apartment lease I went to unfreeze them. 
I had no problem doing that with XXXX or XXXX, but Equifax was not able to process my request online so I called the number they provided. 

After completeing a lengthy verification of my identity I was told they were unable to remove the freeze and I should call back another time. 

Their system had no problem verifying who I was, and promptly unfreezing a report should be an obligation they have given the role they play in credit processing and approval. 

I was unable to connect with a XXXX, and the agent would only give his name as XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX. XXXX, GA XXXX Dear Equifax Information Services LLC , I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint with Equifax for failing to properly investigate inaccuracies on my credit report. On XX/XX/year> XXXX XXXX XXXX XXXX account deletion letter to all XXXX credit bureaus and it stated this error would be corrected in XXXX days. The correction has not been made. If a company sends a letter to the credit bureau stating that information is inaccurate and needs to be removed, the bureau is legally required to act on that notification and correct the error. Equifax did not do this. This practice violates the Fair Credit Reporting Act ( FCRA ). I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. If a credit bureau fails to correct errors after being notified, they can be held liable for damages under Section 616 ( 15 U.S.C. 1681n ) for willful noncompliance and Section 617 ( 15 U.S.C. 1681o ) for negligent noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

ON     XXXX   XXXX  2017   I SE NT IN A CERTIFIED LETTER DISOUTING   XXXX   XXXX   XXXX   XXXX    COLLECTION ON MY CREDIT REPORT, THE WEEK BEFORE I HAD SENT A CERTIFIED LETTER DISPUTING OTHER ACCOUNTS. I HAD PULLED A COPY OF MY TRANSUNION CREDIT REPORT PRIOR TO SENDING IN THE DISPUTE. SO I CALLED IN TODAY ON   XXXX   XXXX  2017   B ECAUSE I HAD NOT HEARD ANYTHING FROM TRANSUNION NOR HAVE I RECEIVED A RESPONSE FROM  XXXX   XXXX  WHEN I REQUESTED VERIFICATION AND I WAS TOLD BY A TRANSITION REP  XXXX  THAT  XXXX   XXXX  WAS NOT ON MY CREDIT REPORT WHEN I SENT IN THE DISPUTE AND THAT MY CREDIT REPORT WAS SUPPRESSED WHEN TH E   1ST DISPUTE LETTER WAS SENT. THE STATEME NT ABOUT  XXXX   XXXX   XXXX  NOT BEING ON MY CREDIT REPORT WHEN I SENT IN THE DISPUTE WAS A TOTAL LIE, I RECEIVED NOTIFICATION FROM   XXXX    XXXX  AND I HAD PULLED MY CREDIT REPORT SO IT WAS THERE, IT WAS JUST NOT MADE UP AND SHE STATED THAT SHE COULD DISPUTE IT FOR ME NOW ON     XXXX  2017   MEANWHILE SHE DID STATE THAT SHE SEE THE DISPUTE THAT I SENT IN ON     XX/XX/XXXX /2017 B UT REFUSED TO DELETE THE ITEMS OFF MY CREDIT REPORT, TRANSITION DROPPED THE BALL NOT ME, THERE WERE   XXXX   ACCOUNTS ON THERE FROM  XXXX   XXXX  AND I GAVE THEM ENOUGH TIME TO VERIFY THE ACCOUNTS BUT THEY HAVE NOT DONE ANYTHING.
Product: Credit card or prepaid card

Account ending in XXXX I have a bank of America reward credit card for many years. I receive {$30.00} every quarter for making more than the minimum payment every month. Every month my payment is paid through auto pay. In the 1st quarter of this year, I changed my bank account for auto pay, but due to Bank websites problem that change didnt occur and my payment was not deducted and I did not receive the quarterly reward of {$30.00}. The bank is refusing to give the {$30.00}. It is not my fault that the change of bank account did not go through. Ive contacted the bank several times but theyre refusing to help. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One had opened an account for someone in my name and I disputed the account but they refuse to close the account when I notified them I did not open the account. I tried to reason with them but they only wanted me to pay on the account. I was told that whoever had the account had made payments at times on the account and that the account would continue to be reported to my credit file. Therefore I ask what must I do to get it closed and I was told to pay the balance owed and than they could close the account, so I did. I have checked my credit file and the account is still being reported to my credit files all ( 3 ) credit bureaus.
Product: Mortgage

My Mortgage Company PHH Mortgage has an escrow account for my property taxes. I received a lien notice on the property. My taxes are due in XXXX. The county is stating that the property taxes have not been paid. In XXXX I received the notice and it was shared with them. They stated they paid the taxes and nothing was due. I have since gotten multiple directives from their team on how to handle. I have checked back in with them many times and they are still reviewing. I keep being told to call back in 3 days, over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion have not removed this fraudulent account from my credit report. " XXXX XXXX  XXXX XXXX '' does not belong to me. 

I first reported this account in XXXX of 2022. I have submitted FTC Identity theft report 's on both XXXX XXXX XXXX Bank who owns them. 

XXXX is in direct violation of Federal Law 15 U.S Code 1692 ( g ) Fair Debt Collection Practices Act ( FDCPA ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor.

2. The amount of the alleged debt.

3. The name and address of the original creditor, if different from the current creditor.

4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and XXXX, that proves I agreed to pay the alleged amount. 
5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt.

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is XXXX XXXX obligation to supply the aforementioned materials as requested which they have failed to do time and time again. 

Not only has XXXX not lawfully validated the debt but they have continued to fraudulently collect & report the fraud. 

I am now demanding XXXX to remove this fraudulent account from my report because it is identity theft & does not belong to me, was never lawfully validated, and furnishing this information is now another violation that experian, transunion, and XXXX are committing onto me which is continuing to cause me harm.
Product: Debt collection

I am in debt of XXXX in regards of a medical bill that i honestly dont remember .. i do Know that Im at not able to pay this balance but i would like a ok credit,
Product: Credit reporting or other personal consumer reports

Dear XXXX, I have received a copy of my consumer credit profile report. I am writing in regards to dispute the misleading information that's appearing on my XXXX consumer credit profile report. The following inquiries are unauthorized, and I ask that they be removed immediately. 


Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX  I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX  XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX  XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorizing them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorizing them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX  XXXX XXXX XXXX - XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorizing them to perform a hard inquiry on my credit report. 


Inquiry from XXXX on XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX on XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report. 


Inquiry from XXXX XXXX on XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report. 


Inquiry from XXXX XXXX on XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my consumer credit profile report. Please remove any information that the creditor can not verify. I understand that under FCRA 611 ( 15 U.S.C. 1681I and 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

So the problem started XXXX I purchased a XXXX  from a dealership. 
It had a very foggy windshield and it had gotten a couple of cracks a couple of days after, I was seeing if it was covered on insurance but they wanted XXXX. The dealership did it for free!! So now I have this on my record as a claim making my insurance rates out the roof!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  credit card ( XXXX XXXX ). was transferred and bought by XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX to verify paid and settled in full. It was showed as a paid and settled account on XX/XX/18 but on XX/XX/18 they took paid charge off. Off the comments. Its not in dispute other then the dispute should say paid charge off. Settled and paid in full thx. XXXX XXXX
Product: Credit reporting or other personal consumer reports

A collection account titled XXXX XXXX appeared on my transunion credit report with balance of {$22000.00}. I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with them. They did not provide me with the original contract as I requested.
Product: Mortgage

Continuous problems with bank while I have attempted to get my payments on track after they failed to contact me timely or correctly of an issue with my escrow. I have received no resolve of my XXXX due to their negligence. I have called multiple times only to be told that I owe more. I have called to resolve, spoken with agents who have told me I was good to go, then another issue will pop up. I was told that I was all clear, caught up and if I would go to their automatic withdrawals, I would n't have the issue again. I followed their course of action, had 1 payment automatically withdrawn. I was cancelled there after due to another claim that I was short on my payment. Nothing but XXXX form them. They are a fraud filled bank that need to be shut down
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 they reported me late to Trans Union and XXXX. When the company told me I had a deferral till XXXX on a recorded phone call. I had made phone calls numerous times and stated my financial hardship asking for help when they made the mistake of giving me the wrong deferral date. 
Not only were they giving me a hard time, but I just had a family member passed away on top of the lack of responsibility the took and its completely unprofessional. I first told them I initially had to pay money for my car which is on record at XXXX XXXX. They are illegally reporting a 30 day late payment when I was told other wise. They are in violation of the FCRA and I want it removed immediately. The lack of communication either supervisors and reps at the company is absolutely terrible. They should keep everyones records with proper information so these mistakes do not happen.