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

Both my husband received a voicemail claiming to be Capital One XXXX XXXX XXXX saying that there were calling to report a fraudulent account opened in this name. They referenced these account numbers : XXXXXXXX XXXX XXXXXXXX. The call back number given was XXXX where the Live Customer Service Line listed on the Capital One website is XXXX. My XXXX XXXX XXXX, where I have XXXX accounts, alerted me to the fact that someone completed an application in my name at Capital One and XXXX XXXX. XXXX is in the process of disputing these applications. When I contacted Capital One, they denied there is an application. XXXX XXXX confirmed there is an application and denied it and referred it to XXXX XXXX XXXX.
Product: Debt collection

XX/XX/21 XXXX XXXX was found guilty in lawsuit which cleared out loan in question due to a repossession. 
Constar is illegally trying to collect on a debt which was apart of a lawsuit Please stop contacting me on this matter
Product: Debt collection

Collection Company -Delinquent Recovery -Amount {$240.00} This Debt was added to my credit last month report without any validation no notice through mail nor any contact was Made, I never received anything from this company I contacted them To Let Them know I am Not Paying Anything This Collection Date was A medical Bill From XX/XX/2015 Im not even Sure what this is For I had Insurance at that time I did not have a Balance from XX/XX/2015 according to XXXX XXXX I was not aware of this debt Without Proper Validation This Debt Collection Company Did not verify nor Validate this Debt It was just added to my credit report I am Requesting this Debt Be Deleted And Removed From My XX/XX/XXXXCredit report
Product: Credit card

I noticed on my credit report alerts from chase that someone opened multiple credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in XXXX to XXXX weeks. 

My chase credit report shows the following : XXXX bank card balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/23 XXXX  XXXX XXXX card balance shows {$16.00} balance and credit limit shows {$3000.00}. Authorized user as of XX/XX/23 XXXX  card shows credit balance of {$8100.00} with credit limit {$10000.00}. 

CBNA card shows credit balance of {$1100.00}. 

XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed pursuant to FC Subsection 605b ( 15 USC 1681c-2 ), that XXXX, Experian, and/or XXXX block the information appearing on my consumer credit report that is the result of identity theft and fraud within four business days. The fraudulent accounts in the FTC report ( XXXX ) consist of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FTC Report number is XXXX. Accounts are listed directly from report stemming from investigations beginning in XX/XX/year>. Please update immediately and in accordance with the aforementioned statutorily mandated 4 day period. Additional accounts and related inquiries that not be present in the report, but not limited to, are : XXXX  - XXXX
Product: Debt collection

Afni Collections has violated my federally protected rights under the fdcpa. I never received notice to dispute you are now on notice to cease all communication from all mediums including my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting unauthorized and even duplicates of unauthorized hard Inquiries to my report this is a violation of my consumer rights. This is also a violation of fcra requirements of a Consumer reporting agencies. This is harming my creditworthiness and a breach of my information rights. This is fraud and identity theft I demand Transunion delete all unauthorized and duplicate inquiries on my report to restore my name, image and. Creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 


XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.
Product: Credit card

Ulta Beauty Credit Card was at XXXX balance prior to statement date. On the date of statement an " interest fee '' was charged to the XXXX balance. When I asked for them to send me an email explaining the legality of adding interest to a XXXX balance they stated they could not do it however it was a legal valid charge. I asked for the fee to be removed and for them to send me an email stating that it was removed and there would be no further interest added to the account as it was a XXXX balance again. The representative then stated Ulta beauty would not do that as they do not put this information in writing. They did remove the fee.
Product: Credit card

I currently verify the XXXX XXXX app to monitor changes in my score. Last week, I noticed there was a new account which I did not sign up for ( Sears/CBNA ). Since the amount charged was not major ( {$330.00} ), I waited to take action because I was working and also, my Uncle has been hospitalized since XXXX/XXXX/2017 ( today is XXXX/XXXX/2017 ) so I did n't have the time to investigate what to do in order to report this. Today, I finally had the time to report the situation so I logged in to XXXX XXXX to look up the lender that opened the fraudulent account but noticed that, once again, there was another fraudulent account ( Best Buy/CBNA ) but this time the amount is substantial and largely material ( {$2900.00} ). I will go to the authorities today to file a police complaint, but decided to report the identity theft online as soon as possible.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns using Zelle with my banking institution particularly in light of the the recent CFPBs lawsuit highlighting the specific issues with the platform. Despite using Zelle numerous times and reporting numerous discrepancies via claims my bank and Zelle failed to do adequate investigations with my claims. I have been informed that recovering the loss funds were impossible and that the tracking was infeasible. The CFPBs findings indicate that Zelle not only has failed to protect its consumers but it has allowed repeat offenders to exploit the system leaving us consumers vulnerable to scams. This lack of transparency and accountability is unacceptable and raises concerns about our consumer safety.
Product: Credit reporting or other personal consumer reports

Under the statue 15 U.S. Code 1666b and 15 U.S. Code 1681a. Said companies are not allowed to report late payments to my credit report. I have several months from XXXX XXXX XX/XX/2023 showing XXXX payments from XXXX XXXX and capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I found an incorrect Bankruptcy record reporting on my credit file. I filed a dispute in writing and went a step further and contacted the Bankruptcy court of record in an attempt to sort out this error. I was referred by the clerks to the XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX XXXX, whom I contacted several weeks ago. Last week I received a letter from your firm informing me that the Bankruptcy information was verified. Now, Today I received a call from an investigator in the XXXX XXXX XXXX XXXX, who informs me that the information YOU have verified as accurate was INCORRECT. 
Based on the information provided by the investigator it appears that YOUR firm never contacted the Bankruptcy court, never verified or validated the information disputed and is in violation of the FCRA. Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy. 
Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification.

The Phone and Fax numbers of the Individual or Department from whom you obtained this information.

Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA.

Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy.

You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A.

1692g ( b ) dispute and 30 days to provide the information requested above.

If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.
Product: Credit card or prepaid card

A Capital One credit card was removed from my house by a grandchild and used at a strip club then returned. Capital One maintains that since the card was used in person it is not fraud. They refuse to reverse the charges of {$1000.00}.
Product: Credit card or prepaid card

Hi, I was charged for a total of XXXX $ for two items from old navy online on my banana republic store credit card in XX/XX/2021. Since I didn't recognize the purchase I contacted the credit card provider sychnrony to dispute the charge. They immediately reversed the charge and confirmed that yes there's indeed a fraud alert on it. Now in XX/XX/2021 I receive a email that there is a XXXX $ outstanding balance on my credit card ( two items with the reference codes of XXXX and XXXX ). When I check the portal, it mentions that I'm charged for a balance transfer of XXXX $ on XX/XX/XXXX. I contacted the synchrony about this charge on the banana republic store credit card, and they mention that they have determined to reverse the fraud claim without providing any explanation or even notice of charge. I just got notified on XX/XX/XXXX as part of routine monthly messages about my credit balance due information at each month. They need to at the very least provide an explanation on why they refused the dispute. The charge was a fraud, but the charge itself is small. My main worry is the experience that I had on the process. They take no responsibility and accountability in clearing the matter for me, so I'm not sure how I can trust them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are inaccurate and its destroying my credit. Send legal proof with accurate information within the legal days or please remove the items immediately within the legal time frame. The following accounts are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this resolved with XXXX and XXXX XXXX XXXX but no one is able to assist me. My credit report is reporting two derogatory items for the same exact loan and is a duplicate item. I have spoken to XXXX who is sending me to The Department of Education, which is being handled by XXXX XXXX XXXX, and they are telling me they cant do anything I have to call XXXX. When reaching out to XXXX they are turning me to The Department of Education. Not to mention when I was trying to pay this debt off in 2017 I was told I had no other option but to pay a settled amount or not pay at all. I was only {$80.00} short of paying the full amount and was told I had to just settle for less or continue getting called every hour by the collection department.
Product: Debt collection

I was contacted by " XXXX XXXX '' from Mid Atlantic Consumer Services via phone and email, saying I owed {$1300.00} for a plain green loan from XXXX. I never received a letter yet by XXXX Mail from this company. She only gave me the name and account ( XXXX XXXX XXXX for the creditor, never a website or address. The problem is I was contacted by a company in XXXX XXXX called XXXX XXXX XXXX and paid them through XXXX Billing {$110.00} a month for 7 months, XXXX XXXX through XXXX XXXX. I have been doing some research and have found that all these companies operate with addresses out of NY that go to post office boxes in a XXXX store, XXXX XXXX and recently got a XXXX address. I already paid what I now believe to be a bogus company and I do n't want to be expected to pay another bogus company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX BK OF AMER XXXX  XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX-XXXX  and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from BK OF AMER for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Product: Mortgage

I submitted a letter of hardship XX/XX/XXXX. My husband lost his job early XXXX, got in a XXXX car wreck and I had health issues at still struggling with health issues. After they approved the forbearance we could not get an explanation from the mortgage company as to why our payments went from XXXX to XXXX a month in XXXXXXXX XXXX XXXXXXXX. They gave me speculative answered but transferred me around a lot. They knew that we were going through hardship and I tried to make payments. 

After months of talking to them one man said I could short sale, but the house was probably going to be up for foreclosure by XXXX. Scared to be homeless because of the threat we moved out. The house was up for auction in XX/XX/XXXX and I assumed it sold until I received calls from current people looking to help prevent foreclosure This has been a hard 2 years but my husband and I are finally getting financially stable again. We loved our home but just didnt want to be homeless with our children. 


Our address is XXXX XXXX XXXX. Our morgage company was Guaranteed Rate inc
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed incorrect and inaccurate information relating to identity theft.
Product: Debt collection

I am disputing inaccurate information on my XXXX credit report. A collection account that was previously removed is now being reported twice, with two different open dates : XX/XX/XXXX, and XX/XX/XXXX. 

This duplicate reporting is incorrect and harmful to my credit. I request that this error be investigated and the duplicate entries removed as required by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment full payment on XX/XX/22 on my balance for {$1800.00} to my Apple Card managed by Goldman Sachs. 

On XX/XX/22 Goldman Sachs reported to the credit bureau XXXX that I had a balance of {$1400.00} when I actually have a balance of {$190.00} resulting in a XXXX point drop in my credit score. 

This has been an ongoing problem with my Apple Card and Goldman Sachs. Delayed reporting resulting in a lower credit score. I am also in the process of securing a loan and this greatly affects me and my loan process. 

Goldman Sachs customer service and support is of no help and provides no immediate remedy to the credit reporting process. They are the absolute worst financial institution I have ever dealt with. 

I am at the point where I need to document this in preparation for litigation. Hence my complaint to you.
Product: Debt collection

Radius Global Solutions LLC has reported a collection account on my XXXX and XXXX credit reports. The reported amount is {$1500.00}, and this entry was dated as opened on XX/XX/year>. I want to clarify that I do not have any outstanding debts with this company. In my efforts to resolve this matter, I reached out to them for verification of this purported debt ; however, I have yet to receive any response or documentation to substantiate their claim. Furthermore, when I approached XXXX to dispute this entry, they did not take the time to consider my explanation or review my side of the situation. Instead, they informed me that I could no longer dispute this debt, leaving me feeling frustrated and powerless in addressing this incorrect information on my credit report.
Product: Credit card or prepaid card

Received a charge on my XXXX XXXX XXXX Mastercard sponsored by Barclays Bank, Delaware, credit card statement Period XX/XX/2019-XX/XX/2019.  There was a charge with Transaction date of XX/XX/2019 and posting date of XX/XX/2019 for a transaction in XXXX Florida, XXXX XXXX. We were in New Jersey working on that date. We called the credit card company to dispute the charge on XX/XX/2019 and spoke with XXXX at XXXX, they cancelled the Credit card and put it in as a dispute. We paid the balance of the monthly bill due. We also requested a copy of the transaction showing our signature. 
We received a letter dated XX/XX/2019 stating " After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity ''. In the same mail we received another letter dated XX/XX/2019. The letter stated " Our research has indicated that the transaction is valid. The transaction has therefore been placed back on your account. If applicable, interest and other charges related to the disputed amount will accrue on any unpaid portion of this amount, '' You can see our confusion so we called back and spoke with XXXX, who would not give us an employee number, and were told it was from a charge on XX/XX/2019 and that they can change the Transaction date whenever they desire. We still do not have a valid copy of the charge slip and feel that this company is not going to send one. When we called the number XXXX, and spoke with XXXX they said that the Merchant can change the transaction date when they want. How can a consumer check their transactions on a credit card if the Merchant can change the dates at will. We can understand the posting date being different but not the Transaction dates. Especially making it almost 30 days later.