23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently obtained a copy of my credit report, and I discovered Capital One still reporting on my credit files. When the account first opened, we contacted the credit teams to report the card lost and to request an itemization of the account. Since then we have been calling to get information and disputed the balance. This has been for a full year without a response. Each time we contact the customer support teams. They inform us that the account has been placed in dispute. We have asked them to remove the derogatory items from our credit reports. Currently we are being declined every time we apply for a credit card. We cancelled the account after our wallets were stolen with our identification and credit cards. We requested a replacement card. We never received the replacement cards or statements after we contacted them XXXX year ago. 

It should be removed and corrected. We have attempted to reach out to Capital One several times. Each time we contact their teams, they put our accounts in dispute. At this point we are just requesting for them to remove the account from all our credit reports. It has been difficult to stay in contact with their teams. The items on my report are reporting in error. It is currently reporting on XXXX XXXX, XXXX and XXXX
Product: Vehicle loan or lease

We began a lease with Kia Motor Finance with a first payment date of XX/XX/2019.  Several days earlier we made our first payment and set the account up on auto withdrawal from our checking account thinking the first auto withdrawal would be XX/XX/19 because we had already made the XX/XX/XXXX payment. On XX/XX/XXXX, an additional {$470.00} was taken out of the account. 
I called customer service on XX/XX/XXXX and asked that the {$470.00} be refunded to me. I was advised that it would take approximately two weeks. When I did not receive the refund I called back on XX/XX/XXXX and was told that the check had just been cut and should arrive at my house at the end of the week. 
On Friday, XX/XX/XXXX I again called and spoke with a supervisor who advised me that the check had not been sent yet and that the right course of action was to stop payment and have it applied to my XX/XX/XXXX payment. I was told this would take 2-3 days to complete. 
On Monday XX/XX/XXXX, I called again and spoke to a supervisor that advised me that the notes showed the request had been sent and that by the time my payment was due on XX/XX/XXXX, I should see a credit on the account. 
On FridayXX/XX/XXXX I called back and was told that I had been lied to previously and that it takes 16 business days to have the payment stopped and applied to the account. My payment will be counted as late on XX/XX/XXXX and I will be assessed a fee. 
I have lost all confidence that anyone there can handle this request and feel as though I have been lied to in multiple occasions. Their internal systems prohibit any person to person contact between the customer service department and the payment processing department, so no individual human being can physically call someone to expedite the request. They simply submit and email to the payment department and hope and wait that someone handles it. Clearly they are not handling it.
Product: Checking or savings account

Hi, I need to dispute 4 transactions made with my debit card ending in XXXX for merchandize not received. 
Transactions : XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX Silver XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX XXXX The merchant should sent the smartphones to my address on profile not later than XX/XX/XXXX. Until today XX/XX/XXXX I have not received the items bought, also I tried to reach the merchant many times by phone but nobody answer to see what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint regarding Equifax not reporting my date of birth correctly. Equifax has been reporting my date of birth as XX/XX/XXXX. That is NOT my birthdate and I have filed a complaint after many attempts to have the information corrected, complaint number XXXX. 
I received a new report from my monitoring company and the updated information is still shown as XX/XX/1969? How is this possible? And how is Equifax responsible for reporting accounts correctly if my personal information is not even correct? This seems absolutely absurd.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to permanently limit my PayPal account. I am using my Paypal account for my online business in XXXX XXXX since XX/XX/2022. My paypal account : XXXX has stucked and hold funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Product: Credit reporting or other personal consumer reports

I am being taken advantage of as a consumer by Transunion. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Product: Mortgage

Hello. Once again we are having problems with payment issues with BSI Financial. All you have to do is XXXX them and see their rating and all the negative comments about this company and how they do business. I dont understand why XXXX XXXX them to continue to do business. We were granted a forebearance due to XXXX XXXX XXXX due to XXXX in XXXX of XXXX. We we forced to place a stop payment on our checking account bc they hit it during the forebearance and caused us overdraft fees... they too charged us overdraft fees even though we were in forebearance! We attempted to start auto draft back up in XXXX and thats when the nightmare started. We keep getting that the payments were revoked so we would end up mailing after many calls asking what was going on. We would be told it was fixed. Then the next month would happen and once again there was a problem drafting. All the fees keep being charged to us. In XXXX and XXXX they were drafting multiple times with the same letters stating we were revoking the payments! We werent. We would leave messages with our so called XXXX 's and they NEVER called us back. We have had 2 during this process : XXXX XXXX and XXXX. They give us so called direct extentions but when you go through customer service..they send you to a " dead '' mailbox with nothing but a Beep. No name, etc. We have never over the past 8 months got a return call, email or text. They sure do know how to send letters telling you they are collecting fees though! XXXX XXXX we called yet again and the XXXX that answered their XXXX # said they could no longer talk to us unless I emailed a HANDWRITTEN NOTE to their customer service email address. I did that. Then the next day we were told to go to our bank and get a letter stating there was NO blocks on our account. We did that on XX/XX/2023. They told us nothing was there to stop payments. We called back and the XXXX rep said they were going to cover all bases and RESIGN us up for auto drafts and that was done on XX/XX/2023. They have attempted to debit our account 4 times since those dates and we keep getting Revoked by customer and today we get a letter that says " Unable to Locate ''!!! What does that even mean?? They signed us up AGAIN on XX/XX/2023. ALL of their letters come with collection notices for FEES. There is one saying we are 30 days late for XXXX On XX/XX/2023 we costly spent the money to overnight 2 checks to them for mortgage payments. We have not heard anything back from them. I have written, faxed, and emailed 4 different people at one time all letters, documents and XXXX notice of payments. We think these people are in the XXXX  business and ruining peoples lives with negative credit reporting. We have filed a complaint with the XXXX  and we have a call in now to XXXX  to see if we can do anything against the fact they are paid to XXXX their accounts but obviously cant or dont know how. Our Bank said the problem is NOT on their end but the STOP is on their end because they see NO RECORD of them attempting to draft our accounts. IF that was the case... why havent they seen it ... why didnt it fix itself when we were resigned up on XX/XX/2023??
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 was my first letter sent. I did requested an update of my Personal information on Credit report, update to my full legal name. 
the only SSN. My only correct date of birth and my Address. 
since that I had contacted them multiples times to correct my info with no success.
Product: Vehicle loan or lease

I was told i wouldnt pay more than XXXX I was scammed into a higher than agreed upon interest rate, yet my credit score along with my cosigners suffers due to allegedly oweing XXXX i made all on time payments until the vehicle was repossesed late at night never to be seen again. i sent an affadavit stating i no longer was to be responsible for the vehicle loan on my credit score but every month i still get hit in my credit score
Product: Credit card

I recently applied for credit, and I was denied. This denial is discrimination. Regardless of the reason for denial, I have the right to access credit, especially my credit. It is especially disturbing if my application is being used as a security for your company 's benefit and not mine. Withholding access to my securities is security fraud. You are violating the Equal Credit Opportunity Act & Consumer Protection Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. I am a victim of a data breach, which resulted in unauthorized use of my personal information. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have accounts and inquiries resulting from identity theft blocked and permanently removed from my credit file. 
Fraudulent Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I attempted to get my free credit report from TransUnion. After several attempts, all they would show me is a list of my past addresses and a list of my credit card accounts. They then asked, do you want to see your credit score? With a tab that would force me to join their service to see my score. I understood we were supposed to be able to access a free report from the 3 credit institutions.

Its a total ripoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company offered a service that they did not deliver. I filed a complaint with the XXXX  and received a refund from Simplio Labs. I am attaching all complaint I made against this company. I provided my updated credit report in which the type of business of this company is not listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from American First Finance on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft numerous loans and credit cards were taken out using my personal information without my knowledge. In 2023 I found that Sofi Bank loan showing on my credit report, I immediately filed a report on identitytheft.gov. The account was removed from credit reporting agencies, recently I found that the account had been placed back on my credit report. I have contacted Sofi Bank, their collection company and the major credit reporting agencies without any response or resolution.
Product: Checking or savings account

I opened account with us bank on XX/XX/2022 with promotion where if I deposit XXXX within 60 days and keep the balance for 90 days, I will get {$400.00} but its been 9 months now and I called their customer service 4 times and every time the rep verified my promo eligibility and submitted the request to pay me the bonus, every time I was on call for at least one hour. They should be able to show my call history and details. I have still not received any call back or bonus. My account number is : XXXX. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A mortgage lending company pulled my credit on XX/XX/2018. I reviewed my credit report and found several errors and several accounts that do not belong to me. On XX/XX/2018 I submitted a credit dispute to XXXX XXXX, XXXX. In the credit dispute, I described the errors with my credit report and asked the credit bureau ( XXXX ) to remove the accounts from my file. On XX/XX/2018 I received a reply from XXXX  stating they received a certification that the information is accurate. But they have not provided me with any documentation or other evidence to support their claim.
Product: Debt collection

On  XXXX  a contract  was made with  XXXX  management to rent an apartment between myself and two other people. One y ear later the contract was renewed on  XXXX   XXXX  with a new company that took over the apartments named  XXXX   XXXX   XXXX   XXXX . with myself and  two new other room mates. One of my ro om mates decided to leave in  XXXX    XXXX   but continued to pay until end of  XXXX    XXXX   but during that month he states he will not be returning to  XXXX  and will be staying in  XXXX . As of  XXXX  and  XXXX    XXXX   I asked the personnel if I could get a smaller apartment by myself within their apartments since other room mate had left out of town and would probably not be returning and my other room mate lost his job. Front office personnel stated they had to sign a form to release me from the contract, which room mate refused to sign and they could n't move me. On  XXXX   XXXX  I found another apartment with another company due to not having any more room mates and company not cooperating. During the middle of  XXXX    XXXX   the apartment keys were given back and company immediately begun renovation for new awaiting tenants for  XXXX ,   XXXX  . Rent was paid in full for  XXXX  while company was renovating. I am sent to collections shortly after without receiving a bill, notice or explanation of what is owed on  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from you. It included the following incorrect information : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX XXXXXXXX  Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, NJ XXXX please delete it. 
This incorrect and negative information is damaging my credit. Please remove this fraud information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$640.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$790.00} XXXX {$540.00} USDEPTEDXXXX {$22000.00} DEPREDXXXX {$22000.00} USDEPTEDXXXX {$8500.00} DEPTEDXXXXXXXX {$8500.00} XXXX {$1200.00} XXXX {$8500.00} XXXX {$0.00} XXXX {$20000.00} XXXX {$110000.00}
Product: Credit reporting or other personal consumer reports

in my repoort it states that my license is expired and it is not it is current .i think my name may have been misspelled the correct spelling is XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

This account should be closed. XXXX XXXX XXXX is the primary account holder on this. It should not be against me or my credit records. My mom has passed away on XX/XX/2018. The debt should die with her. It's the XXXX with your claim she owes over 500. You did nothing on this account you never helped at all.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has two active collections accounts on my credit report that is old debt. New accounts are created to maintain an open account status on my credit report. They have repeatedly contacted my home, my cell ( of which theyve never been provided that number ), my spouse, my in-laws, my parents, my deceased grandfathers home - they have been asked on numerous occasions to stop calling, and they have not. They call my cell multiple times per day and I have blocked numerous numbers from their company to no avail. They just call from another number.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to follow up on my previous complaint dated XX/XX/XXXX. As stated before, per the Fair Credit Reporting Act Section 605B ( a ), Credit Bureaus are required to remove any items opened without my knowledge, consent, or authority within 4 business days, as listed in the ID THEFT Report with reference # XXXX. The accounts in question are detailed below, and I request their removal within the next 15 days : **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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from Experian or XXXX credit agencies. I did receive a response from XXXX but they did not resolve all of my issues.
Product: Credit card or prepaid card

My name : XXXX XXXX I have credit card with American Express ( AE ). card # XXXX My dispute with AE was charged to my card for {$12000.00} without my authorization by XXXX XXXX XXXX. <P/>I was use XXXX for different job, it was paid with AE card. I use them for other job for repair the roof, this time the job was not complete, and repaired was not according what we specify, after repaired the roof still leaking, we call them many time to fix the job correctly, XXXX never come back to do the job.. XXXX using my pervious card information to charge my account, I did not know until I received my statement. <P/>My reasons for dispute 1. Charge to my card without my knowledge should consider as stolen. 2. I am not satisfied with job ; I should get my money back. This American Express card has advertising all the time. I do not understand why AE need to investigate?
Product: Debt collection

This company is violating my rights they have not provided proper validation Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. 
Proof means providing me a signed legal binding contract with them, proof they actually funded monies and or services and exact $ $ amount if any. Exact dates, times and any binding information to prove there is a legally binding contract in place. 

I have made previous attempts to fix these issues directly with them and they are violating my rights and I am entitled to {$1000.00} for every violation I listed, they either pay me or delete the account ASAP.
Product: Credit reporting or other personal consumer reports

I have been trying to get a copy of my report from TransUnion for over a month and I have not been able to. I can not get it online and when I call and request it ; I still can not get a copy mailed out to me. I need assistance in getting this because TransUnion has been reporting erroneous information and I am not able to fix it without access to it
Product: Debt collection

I contacted The company by certified mail in regards to a collection listing on my credit report. I had no knowledge of this collection so therefore I wrote a debt validation letter to the company on XX/XX/XXXX in  regards to the collection being reported by them in the amount of {$2200.00}. Company replied by mail dated XX/XX/XXXX well after the 30 day limit to reply to debt validation request. Company did not provide me with proper validation of this debt. As per the FDCPA companys debt validation letter is to inform me that I have 30 days to dispute this alleged debt. The Company was also required to also provide me with a statement that if I dispute the debt in the given 30 day time frame that their company will then mail me verification of the alleged debt or a copy of the judgement against me. Company did not provide me written notice of either of these required statements. I then replied to the companys recent communication on XX/XX/XXXX asking them to cease and desist all collection activities due to their failure to properly validate this alleged debt and failure to comply with FDCPA regulations. Company has yet to reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that ALL collection accounts on my credit report including 2 late payments be removed from my report as these were illegally reported and furnished without my consent under 15 USC 1681 A number 3. They have also violated my right to privacy under 15 USC A number 4. I have been given constant run around after numerous attempts to have these accounts removed and never furnished again without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last 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