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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items XXXX  not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My BUSINESS information is showing on my consumer report and i need it to be remove completely and transferred to my business consumer report as soon as possible. I have been damaged because of all the inaccurate information that has been showing on my report, i will attach the proper forms to put you guys on notice that my name that is connected to my personal consumer report is a business name and should be reported properly. Thank you.
Product: Checking or savings account

In XXXX, I opened an XXXX XXXX XXXXXXXX account. This product was advertised as an easy-to-use account with a higher interest rate which would vary based on prevailing interest rates, and I was pleased with the account and customer service. Capital One acquired XXXX in XXXX and kept the same product with the variable interest rates which fluctuated and I continued to use the product. 

Then, in XXXX, Capital One created a new product, " Performance XXXX '', which had these characteristics. For its existing customers, many of whom had, like myself, been with Capital One or its predecessors for more than a decade ( XXXX  years, in my case ), our accounts were not upgraded, but instead interest rates were slowly dropped until they were pegged at 0.3 % in XXXX of XXXX, while the Performance rate was 0.4 % based on historically low interest rates. We were never contacted and told there was a new product available, and many of us kept our savings with Capital One in these accounts, and hardly noticed the difference between 0.3 % and 0.4 % when interest rates were historically low. 

Note that I have hundreds of emails from Capital One dating back more than a decade, but was never once emailed about this new, and more advantageous product comparable to what I originally signed up for and used for more than a decade, see below for additional details. 

Once rates began to climb in late XXXX, the rates for Capital One 's most loyal customers stayed low. In fact, today, Capital One Performance 's rate is a competitive 4.3 %, while the original account is just 0.3 %. By keeping customers in this other " legacy '' product, Capital One has avoided paying out interest on customers ' savings, all while lending out this money at prevailing rates. This is an extremely deceptive marketing practice, and while some news outlets have called out Capital One on this practice, you have not changed it, or made amends, and gone as far as insisting that 0.3 % is a " high interest rate '' when, in the current climate, it is certainly not. 

I have gone through my previous statements and reports of Capital One 's interest rates to document additional interest which would have accrued had Capital One not downgraded my account. According to my calculations ( XXXX XXXX XXXX # XXXX ) my balance would be approximately {$850.00} higher. However, I do not have the same recordkeeping as I'm sure Capital One does, particularly involving the dates of interest rate changes. 

I called Capital One about this discrepancy and spoke to XXXX ( employee ID XXXX ). My case was escalated and I spoke with XXXX XXXX XXXX ) who said that my case had been reviewed and nothing could be done. Additionally, he said this decision was final, and that Capital One received many of these complaints and denied them all. He said that I had not been misled, even though the bank changed XXXX word between these accounts and sent me no information that there would be changes. 

I have attached a sample of emails sent by Capital One, none of which mentioned that there was a better product available.
Product: Debt collection

I am writing to formally dispute the collection account that has been reported by your agency to my consumer report in relation to XXXX XXXX XXXX XXXX. There are significant concerns regarding the validity of this debt and the methods utilized by your agency in its collection efforts. 

At the crux of this matter is the absence of proper validation information, as is required by law. Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), your agency is mandated to furnish this information upon request. Regrettably, I have not been afforded the opportunity to review and contest the purported debt. Moreover, it is my firm belief that your agency has neglected to adhere to the appropriate dispute procedures delineated in 12 CFR 1006.34 ( c ) ( 4 ) ( 0 ). I have been deprived of a fair and equitable chance to question the accuracy of this account prior to its inclusion on my consumer report. 
It is evident to me that your agency is engaging in practices that are deceptive and misleading, thereby contravening my consumer rights. Such actions are in breach of various legal statutes, including 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

It is impermissible for a collection agency to furnish information to consumer reporting agencies without adhering to the requisite legal protocols. Consequently, I insist that all collection activities pertaining to this account be halted until the essential validation information is provided to me, and I am accorded the opportunity to dispute the debt as outlined by the law. Failure to adhere to this request may lead to legal recourse being pursued against your agency. I trust that this issue will be promptly and earnestly addressed in accordance with the applicable regulations and statutes. Your cooperation in resolving this matter expediently is greatly appreciated. Thank you for your prompt attention to this matter.
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. 

XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # 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. 

These accounts are inaccurate in their reporting. I have brought these inaccuracies to the attention of the credit bureau mentioned. There are multiple errors throughout my credit report from all three credit bureaus and it is my right to have these accounts reported accurately under the fair credit reporting laws. As a resolution I want these accounts UPDATED : Paid as agreed on time, I was never late back in 2019 this is inaccurate. Please update to 100 % on time on my credit report immediately. 

Consumer financial protection bureau XXXX XXXX XXXXXXXX XXXX DC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES FCRA FTC VIOLATION 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX
Product: Credit reporting or other personal consumer reports

Three hard inquiries that didnt come from me, and I didnt authorize
Product: Checking or savings account

I was in the process of purchasing a car. The Dealership submitted an application to Wells Fargo for an auto loan. Their interest rate was higher than what I was already preapproved for so I did not use Wells Fargo. Not long after I began receiving savings account statements from Wells Fargo, and I never Personally open the checking account with them. I have personally never had a Wells Fargo account in my life.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts on my credit that I don't recognize. Please remove them. Thank you.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  :
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely explored. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is happening straightaway. I compassionately demand that you lead a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recapture command over my monetary prosperity. I earnestly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Credit card or prepaid card

Yes I already talked to someone which took XXXX hours to even get XXXX of someone but the lady said I would get reinvested my {$400.00} that got took out of my account some how when I had my card on me at all times was at work when it happened from a XXXX account bill payment when I don't even own a XXXX  and only got XXXX $ back why
Product: Credit reporting, credit repair services, or other personal consumer reports

why are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX reporting late 60, 90 days late onXX/XX/XXXX and XX/XX/XXXX? Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP
Product: Debt collection

Over the weekend, I received alerts that a new collection account was added to both my XXXX and XXXX credit profiles. When I checked the alerts, it showed that MIDWEST RECOVERY SYSTEMS had added the collection account but I never received any notification concerning this, which I believe is illegal.
Product: Debt collection

I am inundated with persistent phone calls from debt collectors, both during the day and late into the night, pressuring me to settle a debt that I have no recollection of. Despite my courteous appeals for them to refrain from contacting me, they relentlessly continue to call from an assortment of different numbers, sometimes reaching me as late as XXXX XXXX. In my efforts to clarify this situation, I have requested a detailed account of the purported debt ; however, my inquiries have gone unanswered, leaving me without any information regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going in circles with Experian Credit Bureau when it comes to the negative in accurate information being reported. I have filed a identity theft report and sent a copy of it to Experian Credit Bureau per their request in an email i received. I also sent a copy of my id, social number, and a current bill. They keep asking for the same information that i have already sent them more then 3 times via certified mail that shows they received the documents. I am having to re-submit letters over and over and over again before anything is done and when they do open an investigation they are not investigating everything listed on the identity theft report. Which again causes me to have to re-submit letters again for the same things. They continue to report inaccurate addresses, different incorrect spellings and usage of my name, along with unauthorized inquires, and negative accounts.
Product: Debt collection

I got car loan in XXXX balance was {$1200.00} that was owe the motor blew up. The car at garage not sure if they pick it up. Its been over XXXX that the lawyer everytime get job the garnish check. I ask to settle tge attorney said his client wanted over {$7000.00} XXXX. The lawyer has been corrupted because they go each time get employ open case up in XXXX XXXX XXXX. They said in XXXX it was {$21000.00} and now attorneys saying its {$14000.00} with all court fees and lawyer. 
I have not been working on Social Security and before filed was on XXXX XXXX XXXX. Can someone help me this been over twenty years. I tried get legal aid but they not accepting anyone. My income monthly {$900.00} Social Security and started working 40 hours monthly and thats XXXX XXXX monthly every two weeks {$500.00} and they trying get 21 % if that now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a negative collection mark on my XXXX  and XXXX credit reports in the amount of {$140.00}. The original creditor for this amount is XXXX at XXXX XXXX Apartments. The debt now belongs to Hunter Warfield. 

The reason I am disputing this collection is because the original creditor, XXXX at XXXX XXXX, is attempting to charge me for an expense they incurred before I was a resident at their apartment complex. 
I have attached two supporting files : File # XXXX is the move out statement and ledger that the original creditor, XXXX at XXXX XXXX, mailed to me upon vacating the apartment. The ledger indicates there is a move out balance of {$130.00} ( the actual amount on my report is now {$140.00} due to added interest charges from Hunter Warfield. ) File # XXXX is an invoice from XXXX XXXX XXXX charged to the original creditor, XXXX at XXXX XXXX. This invoice was provided to me by the original creditor, XXXX at XXXX XXXX, as part of my move out statement. The invoice is for carpet replacement in the apartment unit I resided in. 

Per File # XXXX my lease agreement began on XX/XX/2018. Per File # XXXX the invoice was generated and dated on XX/XX/2018. This means that the carpet in the apartment unit was replaced before my lease agreement began. 

I have disputed this issue with XXXX  and they quickly removed the negative collection mark from my credit report. As quoted by XXXX  on page # 1 of the attached file XXXX  Dispute Results, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Please feel free to review the XXXX Dispute Results attached file for your reference.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Received notice of debt owed to a towing company called XXXX XXXX XXXX XXXX. No prior communication of any debt had been received until this notice of collection from Lien Enforcement Inc. I do not own a car that has been towed. Lien Enforcement Inc. asked for identifying information and already reported to credit bureau harming my credit, despite letter saying I had 30 days from date of letter ( XX/XX/XXXX ) before they would do so. I am disputing the debt, as I have never received any notification prior to this of any debt owed and do not understand what this is for. I feel they are using unfair practice in harming my credit without allowing me time to dispute and prove this debt is wrong.
Product: Credit card

On XX/XX/2023, I received a " First Access Application Response '' PDF from First Access denying my credit card application due to a XXXX XXXX XXXX of XXXX. However, I provided First Access with my social security number, allowing them to access my credit report, without receiving any benefit from their services. This is particularly concerning given that I received another email on XX/XX/2023, from a different company, also denying my credit card application based on my XXXX XXXX XXXX, which was reported as XXXX. The substantial discrepancy in my XXXX credit scores reported by these XXXX companies within a ten-day period raises serious concerns about the accuracy and integrity of the credit reporting process. 

These repeated denials and inconsistent credit score reporting have caused significant financial damage, jeopardizing my ability to access credit and build my financial future. Moreover, the emotional toll of these rejections has negatively impacted my mental and social well-being. As an individual striving to build an art community, I feel disheartened and exploited by these unfair practices.

I request your immediate attention to this matter and urge you to investigate the discrepancies in my credit score reporting. I believe I am entitled to compensation for the financial and emotional harm I have endured due to these inaccurate credit reports. 

Thank you for your time and consideration. 

All rights reserved, without prejudice. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I was charged {$XXXX} ( each ) for XXXX items on XX/XX/year> and {$XXXX} ( each ) for XXXX items on XX/XX/year> by Chase Bank in late fees. That's a total of XXXX late fees adding up to {$XXXX} within roughly a XXXX hour period.
Product: Debt collection

Ive contacted Wakefield and Associates 3 times about the {$1000.00} debit added to my account. I told the supervisor several times that I have medical insurance and thats who they were supposed to charge. I even reached out to XXXX XXXX twice and explained the same thing to them. This collection was never supposed to be on my credit report when I have proof that I had medical insurance around the time I went to the hospital.
Product: Mortgage

Back in XXXX my second house was damaged by hurricane XXXX, I received a check for damages and repair the house at the time the mortgage company was XXXX, it is now Seterus. In XXXX XXXX was reviewing flood insurance claims and found that I was owed additional payment and was sent a check in XXXX XX/XX/XXXX.The check was sent XXXX Property Loss Department for signature. The check was return with out the signature and when I called them I was told I had to supply them with a list of damages, contactors that did the work and that they would have to inspect the house, I feel this does not have anything to do with this check.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

Chase had frozen my account 3 months ago due to me being paid by someone who used a fraudulent check to pay me 3 months later my account had been closed and Chase is required to send me the fund that were in the account at the time of closing the account which was {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, {$8300.00} XXXX 
XXXX XXXX  XXXX, {$1700.00} XX/XX/XXXX. 
XXXX XXXX XXXX, {$0.00} XX/XX/XXXX I have reached out to these creditors and tried to get this worked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

See letters sent, personal info needs to be updated, unauthorized inquiries need to be deleted and the violations on the accounts listed need to be deleted