23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I moved to a new apartment. In doing so, I noticed that my social security card missing. I reported the loss to Equifax via telephone. Pretty soon all XXXX credit reporting agencies confirmed receipt of the loss. This XXXX, I applied to a senior housing in XXXX. The application was denied. I did not give it importance. Then I applied for a car loan with XXXX because of their 0 % financing. It was then that I learned that there was a fraud alert on my credit. I had become a victim of my own credit alert. The XXXX reporting agencies never bothered to call me when there arose a credit inquiry on me. I have been prejudiced and was forced to take a 4 % financing on my car loan, instead of the 0 % financing. I am in jeopardy of using up my savings just to pay this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XXXX XXXX I discovered a account being reported by Transunion as an collection. I have never open or owned any such account. I disputed this account not only because it was false and inaccurate and not mine. Upon investigation it was found that the company also was reporting fraudulent information such as account numders, names and addresses which are by law also grounds for removal of said account. On XX/XX/21 the account XXXX XXXX XXXX was removed from my credit file. On XX/XX/XXXX I noticed that it has been reinserted on my credit file. I received no notice or warning
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor did I authorize these companies to run my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 card or prepaid card

Back in XX/XX/XXXX I made a payment to my XXXX XXXX credit card account. Well my primary checking account company took way too long to process the payment which is a first and the payment for my credit card ended up getting rejected and of course I ended up with a ton of fees. I called my checking account company and they apologized for it and handled the situation. Unfortunately I can't say the same happened for XXXX XXXX. I called them to explain what happened and the man I spoke to ensured me not to worry because he shows that the payment went through, but apparently it didn't because I ended up with around {$50.00} in charges. I continuously have issues with this credit card company. This is ridiculous and I want these charges taken off immediately.
Product: Credit reporting

My deceased ex-husband had a credit card account with XXXX Bank since XXXX. We were married in XXXX, divorced XXXX. According to the divorce we both assumed responsibility for bills in our name. This account was never in my name until his death. I never received any information on this account or used this account. I only found out about it when I was denied a loan last week. I 've had excellent credit with a score of XXXX, that fell to XXXX after they attached my name to this account. XXXX has given me the run around. They refer to me as the primary cardholder, yet they wo n't give me any information or have ever sent me a bill. This is not and NEVER has been my account, but now my credit is ruined because they attached my name to this account. XXXX tells me this will stay on my credit report for 7 years. This is not right. If they hold me responsible, why was I never contacted?
Product: Debt collection

Capital one has been overbearing and difficult to deal with a situation that was easily dismissed by a fraudulent fee charged twice by a XXXX app Called XXXX  which my credit Card fraudulently charged me or the hardworking money that I made on there as credit that I put in out of my pocket. And then Never dismissed it fraudulent and added additional fees to the fraudulent double charge of the XXXX app or software and XXXX XXXX app. And still today they want me to pay XXXX or more charging me more late fees when I denied that claim the second that app charged me and even more so called immediately to have that charge removed. FROM MY CAPITAL ONE VISA OR XXXX. Cant or dont want to remember that card or those charges in my credit account. Therefore ruining my ability to have good credit for years. And plenty of other fraudulent cases that I also have in my collections. Some maybe werent even me and I would like all of them removed some day, so that I can move on with my good credit score just like everyone else in this world. Thank you
Product: Credit reporting or other personal consumer reports

on my consumer report that included my previous address history, phone number and names that are associated with me are incorrect. I need to get this fixed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.

In line with the FCRA 605-b, I request ALL the Fraudulent information be removed Immediately! I am being adversely impacted by this fraudulent information, I am a victim of identity theft.
Product: Mortgage

We am trying to modify our mortgage that got sold to Carrington, they lost the paperwork, i have proof I sent the paychecks and the other information they said they needed to update. They told me I have to start again and they told me they will send the paperwork. I have not received it, I called twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I should be allowed to get a free credit report from each of the three major credit bureaus from the XXXX site. 

I was able to get a report from XXXX  and XXXX  XXXX I note this to demonstrate I was properly logged into the site ). When I attempted to get one from Experian, I received a message that I could not do this online, I had to send a letter to their office requesting my credit report. 

Some time back after a major breach, I had placed a freeze on my credit on all three credit reporting companies. While I see that Experian had removed the freeze without my knowledge, they did allow me to turn on the freeze again. Since Experian won't give me a credit report without my requesting it by mail, I attempted to at least turn on a freeze to make sure it was still in place with them. I received a notice that I can't turn on a freeze online, I need to send them a letter along with copies of utility statements and such. 

Although I will proceed to send them certified requests to obtain a copy of my credit report they should be forced to provide this through the annualcreditreport website like the other credit reporting companies do. I assume they think that requiring people to submit paper request via postal mail will make people give up.
Product: Credit card

On or around XXXX XXXX, 2015, I applied for the Capital One credit card directly through their website ( www.capitalone.com ). I carefully read through the disclosures and compared each card 's fees and APR rates before making a selection. I chose the " Capital One Platinum card '', because it was being marketed as " annual percentage rate 0 % ( APR ) for purchases for the first year and no annual fee ''. I was immediately approved for a {$3000.00} credit limit. On or about XXXX XXXX, I used the card to pay my rent of {$800.00}. On XXXX XXXX I paid {$150.00} toward the balance prior to the cycle ending. On or about XXXX XXXX, I called to make a payment with customer service again, but was told my payment was not due until the XXXX of each month with a min of {$25.00} due and to wait until the next billing cycle. On or about XXXX XXXX, I called customer services to make a payment and the automated system reported I owed over {$800.00} on the account with a min of {$73.00} due. I immediately spoke with a live customer service rep who reviewed the account. She reported I had a late fee, and interest on the account that has occurred from the last two months. I asked for an explanation since I applied and was approved for the 0 % APR. The representative reported " I see you did apply for the 0 % APR, but was denied ''. I asked why I had not received a statement and or other forms of verification regarding this and why was I approved for the high credit amount and not the low APR rate? I requested that I speak with a supervisor who can explain why I was not informed of this change and the fees associated with the account. After spending over an hour on the phone, with a reported supervisor he reported " Capital One ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS clearly state why I was denied ''. I asked him to guide me to the exact paragraph to which he was reading from online. The supervisor outlined " With respect to this offer, I acknowledge that : Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One 's credit standards ''. I questioned what exactly the Capital One 's credit standards was and how it is used to define my creditworthiness? The supervisor easily became irritated with my request and threaten to discontinue the call and then hung up on me. I called back several minutes later with hope of someone defining the Capital One 's credit standards. I reached another representative who was eager to find out what it meant as well. He could only confirmed that the Capital One 's credit standards is their internal underwriting policy. I fear that with such policy in place that prevents consumer 's access of making informed decision that Capital One 's credit standards is a deceptive marketing and enrollment credit lending practice. Such practices raise the alarm of unfair billing and discriminatory credit card practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. I have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that they remove the following accounts and send me my updated consumer report. i am ready for court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Accounts : XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States : I have a right to privacy. 


15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions. 


15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, SELFINC/LEAD XXXX. 

I looked at my XXXX, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX Ability Recovery Services XXXX XXXX XXXX. 
XXXX, PA XXXX Subject : XXXX University, XXXX Outstanding Balance- delayed XXXX completion XXXX UNIVERSITY   XXXX ID # XXXX I am writing to dispute the subject debt. Please provide a verification of the debt and related details as required by law. 809. Validation of debts. I enrolled in the XXXX program XXXX and continue affiliated with XXXX XXXX program. This debt appears to be " old '' and not longer applicable. Approx. $ XXXX {$10000.00} is now being demanded before even being allowed to graduate with my XXXX after completing coursework thru dissertation stage. I am a low income mature citizen with chronic medical 'challenges ' on a fixed income/pension. 

Also, I am disputing the debt and efforts to collect because I feel that Ability Recovery efforts violated provisions of the United States XXXX provision the Fair Debt Collection Practices Act ( FDCPA ) in XXXX including 806. Harassment or abuse -- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 

Your efforts and XXXX University have oppressed and abused/delayed my seven year efforts to complete and graduate with a XXXX XXXX XXXX XXXX XXXX. 

I have been denied employment, housing, a peaceful enjoyment at various residencies and continue to suffer attempts to publicly humiliate, XXXX, XXXX and age related domestic terrorism. I am taking legal action as a consequence and hope to resolve matters with XXXX University and your firm to expedite the process. 

I hope for a rapid response and can be reached at XXXX XXXX XXXX XXXX and/or the address above. 

Regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX CC : XXXX XXXX XXXX XXXX XXXX University
Product: Bank account or service

Citizens Bank charged extortionately disproportionate overdraft fees when I overdrew the account by {$4.00}. Some of the fees were inconsistent with the policy. This is the chronology of events:XXXX overdraft of $ XXXX overdraft fee ( {$35.00} ) & lt ; = should have been waived by " overdraft pass '' XXXXXXXX overdraft fee ( {$6.00} ) & lt ; = fee starts too XXXX overdraft fee ( {$6.00} ) & lt ; = XXXX business day ( when sustained fees may start ) XXXX overdraft notice receivedXXXXXXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX payment initiated at other XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) There is an " Overdraft Pass '' feature, which states : '' If you overdraw your account with a transaction of {$5.00} or less we will not charge an Overdraft Fee. '' ( XXXX ) So the fee for {$35.00} should not have been charged. Also note that the daily fees started a day sooner than in the terms : " If your account remains overdrawn for 3 or more consecutive business days, on day 4 we will start to charge a Sustained Overdraft Fee of {$6.00} per day for each day it remains overdrawn ''. In my case the daily fees began on the third day, not the fourth. Also note that in the end XXXX more fees accumulated /after/ I sent a deposit to make the account positive. For XXXX of those days the money was in limbo, absent from both accounts. 

In the end I was charged {$90.00} for an overdraw of {$4.00}. That 's a staggering 2,261.7 %.
Product: Debt collection

Revenue Group Account : XXXX ; XXXX I not aware of this debt and did receive any mail with the opportunity to dispute as these not my accounts. Please provide the following : Method of verification Validation of Debt Assignment of Debt These accounts should not be place in dispute until any type of investigation. This accounts need to be removed as your in violation of Hippa rights as well and I will file suit.

Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Multiple credit Bureaus. 
My first complaint with with Transunion regards to incorrect, and items that are on my credit report that do not belong to me. 
The following are the companies that where allowed to be added to my report : -XXXX XXXXXXXX XXXX XXXX XXXX XXXX-never had an account with this person/company. 
-XXXX XXXXXXXX XXXX included in bankruptcy XXXX XXXXIdentity theft that occurred in California that I could not resolve. shows in Bankruptcy which is not correct. 
XXXX-was dismissed in Civil court in XXXX California due to Identity theft. XXXX is the docket number XXXXletter received ( 2 letters ) from XXXX advising that they can not locate this record. Second letter dated XX/XX/2021 stating that this ( debt ) was sold to XXXX XXXX and they do not have any information. 

They also have several address and names listed that have never been my legal name, and address. 
I continue to write dispute and try to make things right. Nothing happens. 

My names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( current )
Product: Bank account or service

I started a bank account checking account because I had no other options. I was on XXXX. I do n't remember signing up for overdraft protection and I git hit with multiple overdraft fees. I think they reversed XXXX XXXX I got hit with over XXXX fees in a row, I hen asked then to turn off overdraft but they continued to charge overdraft fees on subscriptions I had. They said I have to have the balance current. There is no branch in my state so I ca n't make deposits either to make my account right. I asked to close the account but they refused. Now I will be charged negative balance fees. Please see my statements. I do n't mind paying a couple fees but they just do n't stop. I cant get them to close the account I am trying to make a new start I just filed my BK case today and I am low income. This is not helping me. That 's why I chose Suntrust.
Product: Credit reporting, credit repair services, or other personal consumer reports

VALIDATION of debt letters were sent out in XXXX, XXXX and XXXX and no validation was received be to me.
Product: Mortgage

On XX/XX/XXXX and XX/XX/XXXX I called repeatedly. The AI that answers the phone is programmed to keep customers from talking to a human being. I called five times on XX/XX/XXXX and 4 times on XX/XX/XXXX constantly being refused to pass the call to a representative. I eventually got to a human by cheating the AI which was like pulling teeth. It is very hard to get to higher management which I didn't succeed in doing to get them to change the AI to provide passing the call to a human being. Something has to be done. A mortgage company can not be allowed to hide behind a hostile AI. I need your assistance to get the company to change that. I rarely call them, but when I do, I need them to respond.