23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On Tuesday XXXX XXXX I applied online for a second credit card with Capital One. Capital One denied my application which is a negotiable instrument deposit. I have one existing credit card with Capital One which is in perfect standing. I have not missed any payments. I do not have any late payments. Yet Capital One denied me access to new line of credit. That is a violation of several Federal laws such as the Fair Credit Reporting Act and the Equal Credit Opportunity Act. It is discrimination. Capital One has refused me to increase my credit limit satisfactory to me and my needs in the open account I already have so I applied for a new credit line. Capital One is also reporting private transactions to third party non affiliates which is a violation of FCRA among other laws. Some codes violated are 12 CFR 1002.4 ( a ), 15 USC 1691a ( 3 ) Again, this is Discrimination. I am exercising my right in good faith under Chapter 41, that right is evidenced in the ECOA and the TILA 1602 ( f ) credit. 12 CFR 1002.4 ( b ) it's rather discouraging to hear Capital One thinks I don't qualify in a " consumer '' credit transaction without being provided a valid reason, which per 12 CFR 1002.9 ( a ) ( 2 ) ( i ) is required. To the " extent '' that Capital One considered my creditworthiness it should've been done in a manner consistent with ALL qualified applicants for a similar type and amount of credit. Information found in Consumer Reports should not be a deciding factor. That is a violation of Federal law. Capital One should also preserve MY original application I submitted XX/XX/24 per record retention LAWS. 1 ) The application was a deposit of a negotiable instrument. 2 ) The deposit was done electronically. 3 ) The instrument contained a Power of Attorney that allows Capital One to open accounts in my name. 4 ) I now demand for Capital One shall provide me proof that the actual instrument was denied/returned, or 5 ) Capital One needs to provide a satisfactory method for stopping the deposit from happening. 6 ) If they can not ( which I am positive Capital One can not ), I demand Capital One open the account and issue the card so I can track the accounting via monthly statements and monitor the account for fraudulent activity. There is information being reported to CRAs that are a result of identity theft and these reports should not be used to determine my character. I will follow up with a certified letter submitting a complaint to the FTC as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started to monitor my credit using XXXX which works with XXXX. This is when I noticed multiple credit inquiries that I did not apply for. The inquiries are from the following banks XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These FRAUD inquiries are reporting on Transunion and XXXX. I have contacted BOTH bureaus to start an investigation and i have sent in all documentation.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX OWE XXXX MONEY TO THIS COMPANY BUT IS SEATING ON MY CREDIT! 

XXXX XXXX OWE XXXX MONEY TO THIS COMPANY BUT IS SEATING ON MY CREDIT! 

FACTUAL DATAXXXX XXXX OWE XXXX MONEY TO THIS COMPANY BUT IS SEATING ON MY CREDIT!
Product: Debt collection

To Whom It May Concern, This is a formal demand for JEFFERSON CAPITAL SYSTEMS to immediately delete the fraudulent XXXX XXXX  account from my credit reports. This account is not mine and was opened without my authorization. 

I have resided in Alaska for 15 years, where XXXX XXXX does not even offer services. This alone should have raised red flags about the legitimacy of the account. 

On XX/XX/2019, while applying for the XXXX in Alaska, the website malfunctioned as I attempted to submit my application. The page reloaded, displaying another individuals sensitive information from XXXX, Alaska, including their address, date of birth, Social Security number, and bank details. Shortly thereafter, I received calls from two other individuals who reported seeing my personal information on their screens. Following this data breach, multiple unauthorized accounts, including this one, began appearing on my credit reports. 

I am prepared to resolve this matter peacefully without legal intervention, but I will not hesitate to involve my legal team if necessary. If you need proof of my resolve, I suggest you XXXX " XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Alaska. '' XXXX XXXX and others didnt believe me either, and they were forced to pay up. I expect this fraudulent account to be deleted from my credit reports without further delay, as it continues to harm my credit standing. 

Attached are a police report, an Identity Theft report, and news articles documenting my status as a victim of identity theft. These documents unequivocally support my claim. 

This matter requires your immediate attention and action. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened two checking accounts on XX/XX/XXXX. The accounts were our " house '' account XXXX and " groceries '' account XXXX. When we opened the accounts, we were required to hold an aggregate average daily balance of XXXX or we would be assessed a {$25.00} fee each month. The fee is only assessed once regardless of the number of accounts. We added two more checking accounts " billpay '' XXXX and " savings '' XXXX on XX/XX/XXXX that were also linked so that their balance was included in the aggregate daily balance. We were assessed no fees through XX/XX/XXXXXXXX XXXX  because our aggregate balance was above {$10000.00}. My wife added a fifth checking account " nana '' XXXX in XX/XX/XXXX where she was the sole account holder. However, when the bank added the fifth checking account, the customer service agent changed which accounts were linked. There are two boxes the customer service agent has to check to link and include the accounts in the aggregate balance calculation. The agent setting up my wife 's account did not check them both which caused the billpay, savings, and nana account to all have their own individual {$10000.00} requirement ( {$1500.00} in the case of the nana account ). As a result of this customer service error, the bank assessed fines on those three accounts intermittently from XX/XX/XXXXXXXX XXXX XXXX XXXX ( when we realized the error ) totaling {$1200.00}. I discussed this error with a customer service representative, and my understanding is that if the accounts had been correctly linked per the original agreement, we would never have been assessed a fee on these accounts. We should have only been assessed {$120.00} in fees ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXXXXXX XXXX  ) on the house account XXXX account. The bank has refunded {$75.00} in fees. I have previously submitted this complaint, and the bank 's response was that I was not an approved account holder on one of the accounts ( Nana ). While this is correct, for one of the 5 accounts ( Nana ) it completely ignores the rest of the complaint. They refuse to answer the phone or return phone calls for the contact information connected with this ( I've tried 11 times now ). So I am submitting this complaint again only for the accounts I am an account holder on ( house, groceries, billpay, savings ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 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. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : 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

It says that I have a late payment on my account XX/XX/2019. This account was not late and I would like the remark removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX Balance : {$4200.00}
Product: Credit reporting or other personal consumer reports

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
The following companies whom have not sent me proof of contract from original collector providing proof of debt are XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER ADJ CO Due to these company getting a charge off tax write off and profit with this account I was supposed to by law receive a 1099 from this company that I have requested which the law states any write offs over {$600.00} is my right to be given, I was never mailed a copy of this 1099 for this alleged debt. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

Please review this complaint thoroughly, as it has been submitted intentionally and is of critical importance. My credit report appears to contain mixed or inaccurate information, including accounts, transactions, and items that I do not recognize or belong to me. This ongoing issue is deeply troubling, causing unnecessary stress and anxiety.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 notified XXXX XXXX XXXX XXXX that I want verification of the debt they state I owe by providing the following : - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the original contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -signed contract stating I agreed to pay what they state I owe - how this amount has been calculated in a way that I can understand -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions XXXX provided the name of XXXX XXXX XXXX XXXX XXXX XXXXXXXX as the owner of mortgage. XXXX, XXXX has not provided all of the information I requested regarding this debt. This company continues to report this information on my credit report without providing its validity after I informed them in writing that I dispute this debt. They are in violation of Fair Debt Collection Practices Act 15 USC 1692 ( a-p ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THAT I WAS NOT LATE ON THIS BUREAU & XXXX HAS IT INCORRECTLY REPORTED IN MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " CORRECT '' THIS ACCOUNT. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/year>
Product: Debt collection

On XXXX I received a fraud alert notification from my XXXX XXXX and my XXXX accounts. I immediately went into my XXXX account and was directed to a debt that had been referred to a collection agency and posted to my credit report. My credit score is historically in the XXXX range. It is now XXXX. 

A collection company, Consumer Adjustment Co. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX ), today posted a collection on my credit report through XXXX. The collection is in an amount of {$3000.00}. My Experian app shows the tradeline as opened XX/XX/year>, with no payments made, and sent to collection XXXX. The creditor is shown as XXXX. I've never transacted with XXXX but researched their website. Apparently, they'll give you a loan without pulling credit, which explains how someone could have used my identity to get a loan without a credit pull. My credit is locked with all XXXX bureaus and has been for over 3 years. I assume this means someone has other PII, and presumably my SSN. 

I not only want to dispute this but I also want to know how I can prevent it in the future. If someone can obtain credit in my name without a credit pull that makes it much easier to defraud someone and XXXX XXXX and the bureau locks would seem to be powerless against that. 

Thank you in advance for your help
Product: Credit reporting or other personal consumer reports

HEADWAY CAPITAL IS INACCURATELY REPORTING A DEBT LOAN TO MY PERSONAL CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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: Debt collection

I XXXX am stressed out about this Company call National Credit Systems. They are on my Consumer Reports holding me back financially by staying on it, attempting to collect a debit on behalf of a Creditor. They also even state they are collecting for another Creditor which is illegal. This practice makes National Credit a 3rd party Collector. I have no contract with National Credit nor ever gave them any permission to report anything on my Consumer Report. They are required by law to notify me 1st before they want to post on my Consumer Report.

15 U.S. Code 1692 ( c ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

National Credit Systems have been contacted by me several times and each time they have stood by their efforts to insist that i owe them a debt.

I have sent them an Affidavit Of Truth which stands as truth in a court of law. They sent my mail back to me but yet i sent the mail to the address listed on my Consumer Report they had as their listed address. I had to find another address for them online. They clearly are playing games trying to avoid truth. They have not sent back a rebuttal by Affidavit. My word stands as Truth in a court of law.

15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

The debt is reported in positve amount not in a negative amount as owed debt. Also the amount of debt reported has been different amounts. Amounts from {$3500.00} to {$3700.00}. They even sent me a copied contratct where a column for credits listed a security deposit of {$250.00} was added to a credit of {$3400.00}. Then that total what listed in the charges column in positive for of {$3700.00} It makes no sense. This is not fair to me and this is inaccurate and illegal. I have attatched documents with close ups of the copied contracts and my Consumer report where they clearly show they are not Creditors in fact, i point out the XXXX XXXX who listed on the contract. XXXX  XXXX XXXX XXXX. If is not even the name that National Credits Systems listed as the Creditor XXXX  XXXX.
Product: Checking or savings account

On XX/XX/2022 there were XXXX unauthorized withdrawals taken from my account, {$200.00} and {$500.00} totaling {$700.00} My mom noticed the amounts withdrawn and immediately called me because I was actually out of town and NEVER withdraw that type of cash. Our accounts are connected and have been since I was in high school, I am now in graduate school. 
We alerted Chase Bank to deactivate my debit card, I transferred my remaining balance out of the account to prevent any additional theft, and I ordered a new card. 

I sent Chase bank a letter outlining my appeal to refund my stolen money along with credit card receipts showing that I was out of town during the withdrawal time from a XXXX XXXX institution. Chase informed today that I need to go the police and have them access ATM video footage and then submit to Chase. This is a ridiculous request and highly impractical. 
I am quite concerned because my debit card was not lost or stolen and was in my possession when the unauthorized withdrawals were made. 
Chase has refused to refund my stolen money and this now more than XXXX days, I find these actions irresponsible. It is their responsibility to safeguard my money when it is in their possession.
Product: Checking or savings account

On XX/XX/2022 I made a dispute for a transaction of {$350.00} at XXXX I never authorized and they are failing to give me a provisional credit while under investigation still. I somehow chose the wrong option when I made this dispute and they wont allow me to change it l. Even my other disputes has gone longer than two weeks no update and hasnt been provided a provisional credit. Even after I was promised it would be on my account.