23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone Number : ( XXXX ) XXXX Social Security Number : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 1. XXXX XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX Date of Adverse Information : XX/XX/XXXX XXXX. Department of Education Account Number : XXXX Date of Adverse Information : XX/XX/XXXX XXXX. Department of Education Account Number : XXXX Date of Adverse Information : XX/XX/XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two rounds of letters to XXXX asking to fully validate the following accounts. 
XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX {$750.00} These accounts still remain after asking for debt to be fully validated within the thirty days as required under the FCRA 609/611 provisions and should be deleted as of now.
Product: Mortgage

Urgent action needed NFCU and XXXX  XXXX are aware of the Urgency and delicate situation of XXXX XXXXXXXX with my husband, their negligence in providing an agreement caused me to possibly loose my home my husband and his lawyer took advantage of me ( I dont have a lawyer ) I ( am the victim ) and lied to the judge an order of selling my home was placed as neither the mortgage company NFCU XXXX XXXX XXXXXXXX ( both refused ) to write a letter to say pending or status. On XX/XX/XXXX they send an agreement of deferral payment and I agree but the process involves my husband my abuser signature and he wont do it he wants the home sold to punish me as he was found guilty sentence and charged for XXXX stalking. I want to to over the mortgage payment he has not reside or pay the home since XXXX and abuse me by controlling the acces to the mortgage account. The Bank and program are aware of the severe financial hardship he caused me as welll of my health. I am low working the grant is approved since XX/XX/XXXX but the judge ordered to sell. I need urgent help by XXXX or I loose the grant and my home becoming homeless and the abuse from him continues. I am recovering my financial independence and o need urgent attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and any other variations are false. Due to prior efforts in trying to update my name, addresses, explaining the identify theft Ive endured, following the consumer dispute process and doing my due diligence in written instruction to Experian, XXXX, and XXXX are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I made these third-party agencies aware of the issues with these accounts below and they still refuse to comply. 

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. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 
XXXX : # XXXX, has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 
XXXX : # XXXX, has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX Solutions : # XXXX 15 U.S. Code 1681 section 602 A. States I have the right to privacy.

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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : DENEFITS LLC Account Dispute for Account Number : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit file regarding Account Number XXXX. I have reviewed my credit reports from XXXX and XXXX and have identified several significant inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code ( USC ), and Section 604 in relation to the reporting of my medical information. 

Firstly, there is a discrepancy between the information reported by XXXX and XXXX. XXXX indicates that the account is an installment contract, while XXXX reports it as a medical bill. This inconsistency raises concerns about the accuracy and proper classification of the account. 

Furthermore, both XXXX and XXXX have discrepancies in the reported account open date. XXXX and XXXX state that the account was opened on XX/XX/XXXX. However, XXXX reports a balance of {$7200.00}, whereas XXXX reports a balance of {$7200.00}. These discrepancies raise doubts about the accuracy and consistency of the reported information. 

Additionally, there is a discrepancy in the terms reported by XXXX and XXXX. XXXX states that the term limit is 60 months, while XXXX reports a term limit of 0. This inconsistency further questions the accuracy of the reported information. 

Moreover, XXXX reports a past due balance of {$5200.00}, whereas XXXX states a past due balance of {$5100.00}. These discrepancies in the reported past due balances cast doubt on the accuracy and integrity of the reported information. 

Furthermore, there are inconsistencies in the last report dates provided by XXXX and XXXX. XXXX reports a last report date of XX/XX/XXXX, while XXXX states a last report date of XX/XX/XXXX. These differences raise concerns about the timeliness and accuracy of the reported information. 

In addition to the aforementioned inaccuracies, it is important to note that the reporting of medical information without my authorization is a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). I did not provide consent for my medical information to be shared, and the inclusion of medical information in my credit file is a breach of privacy. 

I am exercising my rights under the FCRA, XXXX XXXX XXXX, and Section XXXX, which require accurate and fair reporting of consumer information. I request a thorough investigation into these inaccuracies and violations, as well as the immediate removal of the disputed account from my credit reports.
Product: Credit card or prepaid card

Subject: RE: Credit Card Charge Disputed for XXXX Order XXXXGreetings,After examining the merchant and the amount on my credit card statement provided by Chase, I disputed a charge in the amount of $XXXX posted on XX/XX/2017 because neither I, nor anyone authorized, ordered, or signed for the merchandise. In addition, neither I nor anyone authorized received the merchandise represented by this transaction. I have been victimized and asked Chase to reissue a credit in the amount of $XXXX so wrongly incurred as soon as possible. I talked to someone on the phone previously from XXXX  and access to my account was restored after being locked out for three months due to the dispute.Chase position is that because the merchandise was billed to or shipped to your addressXXXX is claiming to have issued a refund and instructed to me to contact Chase. Chase is claiming that they have not received a refund and continues to bill the full amount plus interest and fees.If you have any questions or concerns, please do not hesitate to contact the undersigned. Thank you in advance for your time and assistance.XXXX
Product: Credit card or prepaid card

I applied and received a CAPITAL ONE XXXX credit card around XX/XX/XXXX the terms were when i spent {$500.00} within 90 days I would receive a {$200.00} credit on this card,. 

I spent the {$500.00} within the time period, but they refused to give me the {$200.00} credit. 

I called customer service and they said my card did not qualify for the credit. The literature indicated this card would receive the {$200.00} credit. No one ever told me by voice or letter that I would not receive thias credit. That is why I applied for this card. ( called around XX/XX/XXXX and again on XX/XX/XXXX they violated the terms of our agrfeement, so I closed the account. I currently have a balance of {$200.00} on this account that I must pay.
Product: Checking or savings account

Today ( XX/XX/2025 ) My paycheck was to be deposited in to my Capital One account. I confirmed with my employer it was sent. The representatives told me in was a third party vendor error. I have bills to pay. I need gas to get to work. I need food for my family. They wouldnt even give me a provisional credit. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate Names addresses as well as multiple account that I have disputed. As well they are allowing inquiries from XXXX XXXX and and other without any authorization. All credit bureaus are reporting and damaging my consumer report and my life. I do not understand why no one is protecting me ....
Product: Credit reporting or other personal consumer reports

I have disputed an inaccurate account on my consumer report that is has been reporting incorrectly for the past 6 years once I have gained insight on the subject of actually. digging deep and understanding credit as a whole, I disputed the account that was reporting inaccurate once I did the three credit reporting agencies bureaus still did not do a proper investigation into this matter as well updated the account once again inaccurate to showing as well showing recent activity on the account with again is not inaccurate this account on my report is over XXXX XXXX XXXX as well it shows past due dates which is inaccurate which is documented on one of my consumer reports that there are no past due payments so therefore all three bureaus must be reporting the same information across all three agencies otherwise it is inaccurate as well as illegal. This inaccurate reporting has halted me from being able to obtain new credit due to the fact the last date of activity in inaccurate which is showing to creditors this is a recent negative account which in fact it is not. I am asking the whole account be removed.., this reporting is detrimental to my livelihood due to showing new activity and past due balances times that are inaccurate. 

RE : XXXX DATE OF LAST ACTIVITY XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( INACCURATE REPORTING AS. WELL.. 

please delete this account ..... 
which have adversely have and now more than ever have been affected by your inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX 's XXXX 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Product: Credit reporting or other personal consumer reports

There seems to be a serious error on my credit report. I have found numerous inquiries that I did not authorize.
Product: Money transfer, virtual currency, or money service

My square account received an email from the square platform in XXXX! 

square is a company owned by Block , Inc . 

My square was deactivated by the square platform, and my account balance will remain in my account! After 90 days of deactivation, I will be able to pay the balance of my account to my bank account! 

It's XXXX and my account has completed the 90-day account freeze required by square! And for 2 years!

I have contacted square numerous times and his team members have told me that my case has been upgraded internally and asked me to wait 1-2 days while his team members send me an email!

But I kept waiting for months, and I didn't get any emails from square! My case is on hold within his team! 

My demand : I need the balance in my account back! Because my account has reached the release time! I don't need to use the square account anymore! square can give me temporary transfer permission!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of the 19 delinquent accounts on my credit report listed under Affirm INC . Initially, I thought these may have been mine when I noticed all of my information attached to these accounts ; however, upon doing more research I quickly discovered that these accounts are not mine.These loans were all processed online and when I tried to dispute these loans to all three credit bureaus theyve come back as verified. When I tried to speak to a representative at the Affirm company these just told me it was their duty to report such information to the credit bureaus. Please have Affirm INC remove all 19x delinquent loans from all three of my credit reports from each bureau as I have been a victim of identity fraud. I have submitted a report with the FTC, for the maximum amount of accounts possible - 5x in total with Affirm INC . However, Affirm has hands down been the worst company to try and get this errors removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M CURRENTLY APPLYING FOR A LOAN MODIFICATION WITH XXXX   AND I'VE BEEN INVOLVED IN THIS PROCESS FOR 8 MONTHS. NOT ONCE DID THE 30 ( THIRTY ) CUSTOMER SERVICE REPRESENTATIVES FROM THE XXXX  LOAN MODIFICATION BRANCH NOTIFIED ME THAT A CREDIT REPORT WAS NEEDED FOR A DECISION. I RECEIVED THIS NOTICE THAT THEY OBTAINED MY CREDIT REPORT FROM SOME CONSUMER DATABASE? IT'S XXXX PER THEIR ILLEGAL RECORD PULL. THE REPORT FROM XXXX NEVER CITED THE SOURCE. I RE-PULLED MY EXPERIAN AND IT'S XXXX. I WOULD LIKE XXXX  FINED FOR TRYING TO MAKE PEOPLE FAIL THE LOAN MODIFICATION PROCESS AND ILLEGALLY PULLING MY REPORT WITHOUT OBTAINING MY SIGNATURE. PLEASE HAVE XXXX   FOLLOW UP WITH YOU TO GIVE THEIR REASONING, THEY TEND TO CALL ME AFTER I FILE THESE COMPLAINTS.
Product: Credit card

My cell phone was stolen by a police officer that had my credit card on phone. It was ran up quickly to large amount beyond my credit limit. Still getting a bill
Product: Checking or savings account

I have a credit card with Capital One Bank. In fall of XXXX, they advertised a promo. For depositing $ XXXX and keeping it in the account for 60 days, the company promised {$200.00}. I opened my account on XX/XX/XXXX and deposited $ XXXX by XX/XX/XXXX. The money stayed in my account for more than 90 days. On XX/XX/XXXX, I wired $ XXXX to another account. However, the promised bonus amount was never paid. Eventually, I put more than $ XXXX to this account and Capital One has been my main savings account. 

I waited for several months for this bank to deliver the promised bonus but this never happened. I finally called the bank for more information. First representative claimed that I did not enter the necessary code in the system. That was absurd because I only heard about the promo because they showed the bonus on my screen when I logged into their app in Fall of XXXX. I asked for a supervisor and the representative connected me to another person. This second person acknowledged that I entered the code this time ( magically the code appeared in their system ). I mentioned how the previous person implied that I was lying about entering the code, which was unprofessional on the bank 's side.

This second representative was more professional and cordial but she moved the goalposts. First, she said that the promo was not for keeping the money in the account for 60 days but rather for 90 days. I asked that I did keep the money in the account for more than 90 days already. Based on my account, it stayed there for about 103 days. She then said that, 90 days rule would start two weeks after I opened the account. By creating this " new rule '', I would have kept the money in the account not for 90 days but around 89 days, magically falling just short of " 1 '' day to qualify for the promo.
Product: Credit card or prepaid card

In late XX/XX/XXXX, we called Capital One to make full payments on four of our credit cards. After noticing for a few days that payments were not going through we call them to make sure everything was fine and they assured us that because it was four accounts that were paid at once it will take some time for it to process. A few more days went by and we still noticed our payment was not being withdrawn from our account so we called again and were told the same thing. On XX/XX/XXXX we received a letter stating that two of  the accounts will be closed because the activity on this account was not consistent with the expectations for account usage. When we call capital one to see what this letter was in regards to they explain that because our payment did not go through due to incorrect account numbers the accounts were being closed ; we explained that we noticed payments were not going through and that we called twice and we were told by them that everything was OK so it was unfair for them to close the account. They suggested we submit a claim for each card requesting for these accounts to be re-open which we did. Capital one did agree to reopen our cards and told us to wait for a phone call it which they ask for more information to then reopen the accounts. We waited and waited and received no phone calls. We called and were told that they tried calling and we didnt pick up. After that I made sure to pick up every phone call regardless if I knew the number or not. After not receiving any phone call, we called capital one and were told that someone was going to call us at XXXX ; after not receiving the phone call I called and was told that the representative that was suppose to call us was currently in a meeting but that they were going to send him an email and attach his manager so it becomes a high priority and he can call us. We were told maybe later on that day we would get a call. We did not receive a call. At this point we were told that due to no one answering the phone they closed the claim and request to open up the cards ; and that we would have to restart the process and submit a claim to see if capital one wanted to accept this appeal and reopen our cards. 
We made our first payment around late XX/XX/XXXX we are now mid XX/XX/XXXXand no one cares to resolve this. We have been trying to purchase a home and this has been holding down my credit score. This is going on 4 months and everyone just passes the bucket to someone else and no one really does anything.