23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a single one year subscription for XXXX to help with my studies in XX/XX/XXXX. Come XX/XX/XXXX I get charged another 1 year subscription ( {$190.00} ) for XXXX  without consent. They enrolled me in auto renewal without consent. I contacted XXXX  who refused to issue a refund then i contacted Capital One to dispute the charge. 2 months later my dispute is rejected and the charge is back on my credit card. I contacted Capital one again on XX/XX/XXXX to request why my dispute was rejected and submitted the requested forms. Capital one rejected the dispute again and I contacted them XX/XX/XXXX and submitted the requested forms again only to be rejected. I contacted capital one again XX/XX/XXXX three times ( XXXX XXXX XXXX XXXX and XXXX XXXX  ) both of which i submitted the requested documents only to be rejected ( the XXXX document submission was rejected within XXXX minutes! ). I contacted capital one XX/XX/XXXX at XXXX and requested to speak to manager which was unavailable at the time. I contacted Capital one XX/XX/XXXX at XXXX and spoke to manager XXXX and described my situation with this company and explained how XXXX was conducting shady and possible predatory business practice as 3 other people were experiencing the same issue as I had regarding XXXX  non-consensual auto renewal as described on XXXX XXXX XXXX  within a one month time frame of my situation. XXXX then said that Capital one can not to anything and case is closed. I then stated that I will be contacting CFPB and he said he respects that decision along with telling him that i can no longer recommend family and friends to use capital one as they are not a company that advocates for its customers against shady businesses along with stating i will be cancelling my bank account and credit card with them. XXXX hung up the phone without any additional word.
Product: Mortgage

I have tryed many times applying for XXXX XXXX and each time I'm told it can not be done because in XXXX this modification was extended to 40yrs int at 4.5 with rates at there lowest now I don't understand lm 13 payments behind I have exhausted trying over and over with this investor with a modification I can get on track stay current and refinance my problem started with my husband who passed XX/XX/XXXX it was the covid his medical state and side work being unable to make side cash I have a I'll daughter and XXXX grandkids who live with me also my social security was cut due to my husbands death we will be homeless can you help pls.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion stated in the attached compliant that the account # XXXX ( XXXX XXXX ) would be DELETED. According to my credit report as of XX/XX/2022 XXXX XXXX is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, the purpose of this letter is to inform you that the companies listed failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 102 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report.

I would like to inform you that I have maintained an accurate chronological record of my communications with them. If they continue to fail to respond to my requests, I will implement litigation due to the hardships these invalidated items on my reports have caused me.
Product: Credit reporting

I pay my XXXX XXXX acct on XX/XX/XXXX. My payment is due on XX/XX/XXXX but I was told that as long as I pay it before 30 days I am not considered late. I called XXXX XXXX when I saw they marked my acct late for XX/XX/XXXX. I pay on the website which I will attach for you to see. Last month when I went on XX/XX/XXXX it showed current. I went on to pay on XX/XX/XXXX and I paid {$750.00} thinking I was paying for XX/XX/XXXX and for half of XX/XX/XXXX. They marked me late for XX/XX/XXXX. I disputed this with Experian immediately. I was notified the other day that not only did they not remove the late mark for XXXX they added XXXX and XXXX as well To play it safe I made another payment of half of what I owe. As you can see from the attached from there website they are showing me with a credit in the amount of XXXX for XX/XX/XXXX. This is an unfair business practice especially since now a days all correspondence is done from the internet. I am requesting that these late marks be removed based on the proof that I am sending to you and I feel that it is illegal what XXXX XXXX has done to my credit that I am working so hard to correct. I am hoping you can help me and I have also spoken with a lawyer about this. To punish me for the dispute they marked me twice on my credit reports. Totally illegal. I have since sent yet another letter to Experian disputing it again but am very upset that XXXX XXXX marked my credit report fraudualently. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in Transunion, XXXX, and XXXX. First Flaw is the Date account opened which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Transunion report ( XX/XX/XXXX ). Second Flaw is the High Credit Amount which differs between Transunion and XXXX ( {$2300.00} ) from the XXXX Report ( {$0.00} ) Third Flaw is the Last day reported on the account which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Fourth Flaw is the Last day Active report which differs from the XXXX and XXXX ( XX/XX/XXXX ) report from the Transunion report ( XX/XX/XXXX ). Final Flaw reported was the date of last payment reported which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). 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 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. 
I have tried to communicate to the companies involved through the XXXX otherwise known as the XXXX XXXX XXXX and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects to my mental health, sanity, and well being.
Product: Credit reporting or other personal consumer reports

ATTENTION : TransUnion I looked at my credit reports back on XX/XX/XXXX. I sent a letter to TransUnionon I noticed some things were incomplete and found accounts that belong to me. According to the fair reporting act whenever a consumer reporting agency prepares a consumer credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

These accounts and account numbers listed below arenot complete and inaccurate.

I've disputed these inaccurate accounts and have also have filed an FTC report along with an CFPB report.

An consumer reporting agency 's obligation, pursuant to section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumer 's credit report alleged by the consumer to be inaccurate.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 my infromation opening and using my personal credit to someone elses advantage. 

XXXX XXXX Account Number:XXXX XXXXXXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Date XXXX Date closed : XX/XX/XXXX XXXX XXXX XXXX Account Number:XXXX AmountXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date XXXX Date XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ) XXXX Date XXXX Date updated XX/XX/XXXX Hard Inquiries XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX Phone ( XXXX ) XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX
Product: Debt collection

This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$670.00}.

By not replying in a timely manner to my initial letter on XX/XX/2018, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Good morning! 

I was called from a debt collector about this account. I was making payments until I think I missed 1 or 2 a few years ago and it was removed from my USAA banking account. I would like to still make payments on this loan or is there anyway to remove this hard inquiry from my credit report? 

Thank you! 

Info on account : Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Account Amount : {$8200.00} [ CLOSED ] Last Payment : XX/XX/XXXX, XXXX. 

" Remarks '' Charged off as bad debt. Profit and loss write-off. '' Additional details Business type Bank - Installment Loans Contact info Address XXXX XXXX XXXX XXXX XXXX, TXXXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Incorrect Late Payment on Credit Report To Whom It May Concern : I am writing to dispute an inaccurate late payment entry on my credit report. This late payment is listed only on your report for my personal loan with [ XXXX XXXX, Account Number [ XXXX ] dated [ XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I have reviewed my credit reports from other major credit bureaus, and none of them list this late payment, indicating a possible reporting error. 

I have consistently made timely payments on this account, and the inconsistent reporting is affecting my credit standing. I kindly request that this late payment entry be investigated and, if confirmed to be an error, promptly removed to reflect an accurate payment history. 

Enclosed are supporting documents, including copies of my credit reports from other agencies, which show no record of this late payment, as well as any relevant payment confirmations. 

In accordance with the Fair Credit Reporting Act, I respectfully request an investigation and correction of this error. Please send me written confirmation of the outcome of this dispute and an updated copy of my credit report. 

Thank you for your attention to this matter. If additional information is required, please contact me at [ XXXX ] or [ XXXX ]. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Hello, on XX/XX/2023, I received an email. The email stated I received a deposit of XXXX from XXXX XXXX XXXX. Transaction ID is XXXX. I also had XXXX so the total I had on there is XXXX Upon trying to get my funds from the card, I was told that my card had been blocked. I called XXXX  multiple times, and they tried telling me. " The deposit didn't have my name on it. Which makes absolutely no sense at all. I don't know what to do. I read the reviews, and there are multiple emails stating they continue to do this. Another thing I do not understand is. My payroll checks get deposited all the time. I'm in tears trying to wrap my mind around them trying to steal my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX XXXX  # XXXX reporting paid as agreed, but showing 2- 30 day late payments, reporting payment status worse delinquent none reported, inaccurate, Account # XXXX XXXX XXXX XXXX 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 an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC XXXX CXXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$41000.00} XXXXXXXX XXXX # XXXXXXXXXXXXXXXX XX/XX/XXXX -- {$41000.00} XXXX XXXX # XXXXXXXXXXXXX XX/XX/XXXX -- {$7400.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I agreed to the existing pmt arrangements and am amenable to paying my debts at a lower amount. Please help as I am considering a Chapter XXXX. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not reporting my credit on time they reporting a whole month later I pay on time every month they report it the next month which is makin my credit score not approve as it should be! I will like my credit score as it should be! I have them in court also for fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested verification and validation of an account on my report from XXXX XXXX. I have sent 5 letters since XXXX to both XXXX XXXX and each credit bureau. I have not received a response to my validation request nor have I received a response to my method of verification request. Each time though, the credit bureaus update the account as verified but the account has never been verified. It is the legal duty of each bureau to only report accurate and verifiable information. 
Letters were sent on XX/XX/2020, XXXX, XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have not received a single response from either letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I opened a Gap credit card in XXXX and have made on time and paid off my balances in full. I did not use my card for months and was in good standing. I lost my job in due to Covid-19 XX/XX/XXXX. My credit took a hit and had a few late payments on other accounts but not this account. After months of dormant activity, I used my card in XXXX and paid the balance in full. I made another purchase on XX/XX/XXXX and planned to pay off the balance again on XX/XX/XXXX. 

I received an alert on my credit report that the card was closed. When I called Gap companies, I was informed that the card wasnt closed because of my payment history ; it was closed because of my XXXX Credit Bureau report. I was then told to contact XXXX because once my account is closed, I can never get another card or have it reopened. 

I dont understand why XXXX XXXX this but my account should not be closed. This caused my credit score to drop drastically and it has negatively affected me. If the company doesnt want to reissue my card, they should not require me to pay a balance on a card I can no longer use but Im keeping with my positive payment history, Ill pay it off. If Gap no longer wants me as a card holder, fine but my credit report reflecting this account should be updated.
Product: Vehicle loan or lease

Came to a settlement amount, paid settlement amount in full, still showing original amount owed and account in default
Product: Debt collection

Absolute Recovery Service XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  {$8800.00} i went to court and the judge said that i do not owe this money and XXXX XXXX  asked for me to vacant the unit on XX/XX/XXXX and the judge agreed and i moved out on XX/XX/XXXX relocated to my current city and received a court summons for XX/XX/XXXX for the same money that Absolute Recovery is trying to collect from the same Apartment company that the judge said i do not owe. They are taking me to court with another judge because they did not like the first judge agreement who saw my receipt of paying these people {$4000.00} XX/XX/XXXX prior to moving into the unit on XX/XX/XXXX and they filed court detainer on XX/XX/XXXX to evict me from the unit after they took over 4 months in rent from me and now trying to extort over {$8800.00} from me after the judge told them that she will not make me pay them this money. they are in collections for the {$8800.00} and the courts trying to extort funds of {$3900.00} from a XXXX person who lives off {$200.00} per month in income and do not reside in their unit and have not been in XXXX since XX/XX/XXXX.
Product: Debt collection

My father had work done on his home for an insurance issue of black mold. The mold was not taken care of and my father has decided to let the house go into forclosure. My mother who has been divorced from him for over 10 years and never lived in that home, myself and my brother in law ( because he has the same name ) has been contacted numerous times. The last time I told them it was n't my debt and my father has no plans to pay they can file the lien against the house for the debt the man XXXX was screaming at me, harassing me and telling me things like " pay your debt and what do you work at XXXX XXXX '' when I told him to stop calling or I would contact a lawyer. This is not my debt and having them contact everyone who has been remotely connected to my father is being contacted. I do not have power of attorney, have no access to my fathers money and told them this only to be screamed at and belittled. My father is XXXX and has no assets, so as I said I do n't plan to pay this which I explained.
Product: Credit card

I applied for Care Credit master card got approved for XXXX XXXX and thats where headache begins XXXX trying to make purchases its not working im calling passing XXXX verification customer service agent tells my your card is good to go and its keep declining afterwards they tell me to try again in XXXX hours which i do and its still declining
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

XXXX is the previous complaint that was opened regarding a purchase with Home Depot for replacement windows. The complaint was closed and Citi issued a full refund with a letter stating the issue was resolved in my favor in XX/XX/year>. XX/XX/year> Home Depot reissued the billing and has been sending multiple letters weekly demanding payment. Home Depot has reissued the billing that is effecting my credit score. Home Depot is in violation of Regulation Z banking regulations. 

I have attached the finality letter provided by Citi showing the refund and previous decision in my favor.

Please advise management at Home Depot that reissuing this billing is illegal.

Thank You
Product: Money transfer, virtual currency, or money service

Im filling complaint against cash app ( block, inc. ) due to inadequate costumer services and unfair practices, which violate consumer financial protection act ( CFPA ). Specifically, cash app failed timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target reported a change of address on my credit report which is not true. I called them numerous times which I was told by XX/XX/2021 it would be corrected as well they sent me a letter letting me know it would be corrected. Till this day its still on my credit report.
Product: Money transfer, virtual currency, or money service

There is {$340.00} has been transferred from my bank account to cash app without my authorization. I tried to fix this issue with cash app but they didnt do anything in this regard
Product: Debt collection

they tried to collect money that I didn't use and I didn't ask for a credit card