23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital One has extended to me an invitation to apply for a Quicksilver credit card, citing their appreciation for my loyalty. The pre-approved offer includes a one-time bonus not of {$200.00}, but rather {$300.00}. In response, I submitted an application. However, my application was subsequently declined, albeit with a counter offer for the same Quicksilver card, but this time without the one-time bonus. 

This experience has proven to be both time-consuming and disappointing, as it appears to be a case of misleading advertising and a deceptive marketing approach. Furthermore, declining the counteroffer without the bonus despite previous pre-approval has resulted in an additional hard inquiry on my credit report. Their explanation : The reason ( s ) for our decision are : Based on your credit report from one or more of the agencies on the back of this letter, length of credit history ... .... As someone endeavoring to responsibly build credit, I find such practices to be deceitful and detrimental. It seems that Capital One, by luring users with false pre-approved invitations, is engaging in questionable business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently purchase a credit report from XXXX, XXXX, experian please use the written letter as confirmation that. i hereby opt-out and do not wish to resolve disputes with through arbitration .Again : i rejected the arbitration clause in the interactive service agreement. thank you for noting my account
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I have been making my payments each month including XXXX XXXX 
I later got an alert that a late payment was made on my XXXX account. 
My payment is not late. 

I am attaching a copy of my cancelled check for XXXX and my quick collect from XXXX for XXXX XXXX
Product: Vehicle loan or lease

SANTANDER CONSUMER USA XXXX says i owe them for a car i believe it says on my credit report but i have never owned a car from them. I asked for a debt validation but i have not received it from them yet and this is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a person opened a XXXX account using my social security number. I found out about this account on XX/XX/XXXX by checking my credit report. I contacted XXXX directly and they provided me with the person 's name who opened the account ( XXXX XXXX ) and the address where the service has been turned on ( XXXX XXXX XXXX XXXX XXXX, MI ). I reported to XXXX that I do not know this person and I did not give authorization to use my social security number. They told me to fill out the " ID Theft Affidavit '' and send it in, which I did. I contacted XXXX XXXX Police Department on XX/XX/XXXX and spoke with XXXX. XXXX. I filed a police report in the city that I live in on XX/XX/XXXX with Officer XXXX XXXX. The police report number is XXXX. I filed a dispute with Equifax on XX/XX/XXXX and the results came back that they found this account to be " factual ''. At this time, XXXX has not suspended services for the person who fraudulently opened this account and it is still appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and 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 or information from the file of the consumer, or modify that item or information, as appropriate, based on these results of the reinvestigation ; and Please note : XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have new evidence equifax is violating my rights. Now I am exercising my right under 15 USC 1681i ( a ) i am demanding and requesting the description of reinvestigation of the procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, 4681 charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This shouldn't have any balance since this is collection. 

Balance : {$10000.00} {$10000.00} {$10000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff
Product: Credit reporting or other personal consumer reports

FTC : Complaint attached, I, XXXX XXXX, do hereby state that the following information is true. 

Several creditors and items are being reported on my credit report that I have no knowledge of and believe should be removed. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and XXXX IdentityTheft complaint # XXXX are the specific accounts and inquiries in question : Accounts to be Removed : XXXX. RESURGENT RECEIVABLE - Account Number : XXXX - Amount : {$1100.00}/ XXXX Account XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX Additional Requests : - I need the block on my online access removed. 

Additional Accounts : - XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX # XXXX Inquiries to be Removed : 1. Ryburn - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I filed a police report at my hometown Police Department about a Credit card never received with USAA. Police report # XXXX then I submitted a claim with FTC and it was erased. Then i received a letter from USAA stating that they needed my signature to let the credit companies know about the situation and then suddenly the debt appeared again.
Product: Checking or savings account

This bank charged me 7 fees because they " decide '' how and when to post your money and allocate funds. I deposited enough CASH ( which should be available instantly according to their XXXX  ) to cover my overdraft charges. I figured since I covered them all that if I overdrafted again I would get ONE charge so I made one charge. Well they didn't post the cash and they didn't apply it and left everything pending and charged me 7 overdraft fees @ XXXX each because they did the overdraft fees in batches ( one at 4 OD fees @ XXXX and then another for 3 for {$100.00} ) even though I had enough cash to in there to cover everything but ONE. They did refund four but refuse to refund two more and I refuse to pay the {$170.00} I owe them now, I told them I would accept ONE OD fee for {$35.00} and pay {$100.00} or whatever it comes out to be from my one XXXX dollar charge but they said since they waived 4 they wont waive any more then tried to upsell me a account with maintenance fees. I REFUSE TO PAY THIS BANK ONE CENT, I WANT THE ACCOUNT CLOSED and at this point i will ONLY pay the amount I owe without *ANY* fees attached or I won't pay one cent at all and they can keep tacking fees on while the account is stagnet until they close it
Product: Debt collection

This company is collection on a debt that I do not owe. They never even try to contact me before destroying my credit. Thinking that they are above the law and can do anything they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts off of my credit XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged XXXX, Equifax, and XXXX. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX. The ones that has the same dates are different charges
Product: Mortgage

Error in legal description recorded on Deed of Trust .Been more then 6 month and Ditech Loan mortgage has done nothing to correct this matter, every time i call they say there working on it but with no results.I have sent all documents to them Ditech .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I called Experian and spoke to a representative named XXXX and filed a dispute with him. In the dispute, I asked that Experian validate and verify information that was listed on my consumer report and also give the source of verification in regards to the XXXX XXXX that was on file. On XX/XX/2021 I received another credit report from Experian stating that they verified the information was correct in regards to the Bankruptcy court from the XXXX. I submitted proof to Experian on XX/XX/2021 via certified mail tracking # XXXX with Exhibit A and also proof from XXXX that shows that the Bankruptcy courts did not give them this information and also a copy of my XXXX file that shows that I do not have a Public Record on file, therefore Experian is fraudulently adding this public record to my consumer file. I called Experian on XX/XX/2021 and filed another dispute in regards to the XXXX XXXX information on my consumer being reported in error. I spoke to XXXX and asked that they validate and verify this information again and supply the furnisher of this data. On XX/XX/2021, I received another consumer file from them again that states they verified this account from XXXX which is false information as I have received my file from XXXX several times and there is NO PUBLIC RECORD. In pursuant to the FCRA, credit reporting agencies are to promote accuracy and fairness in reporting. Experian is not abiding by my consumer rights. This information in regards to this public record is incorrect and I want it removed from my consumer file. My next step will be to file a lawsuit against this company for violating my rights as a consumer and being in vacation of the FCRA for reporting this public record inaccurately on my consumer file. I am also requesting a {$2000.00} check from them in regards to falsifying information on my consumer file as this has caused me tremendous hardship and an unwavering amount of time.
Product: Checking or savings account

Following my previous complaint # XXXX regarding a check that was cashed by an unauthorized party, Chase advised to provide the last for the the EIN/Tax ID # for the correct party on XX/XX/year>. I provided XXXX with that information on the same day and followed up with several calls in the past 2 months with XXXX update from XXXX. Each time being told to call back. Mind you each call I'm transferred multiple times and XXXX call taking XXXX transfers and XXXX minutes just to be told to call back. It should not take this long when it's clear this is fraudulent activity and the intended party did not cash the check. Account onwer at XXXX XXXX is a different company name with a different EIN / TAX ID #.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes and for reporting inaccurate information on credit reports. I am referencing this case as part of my ongoing dispute, as I believe that my situation falls under the same issues cited in the CFPBs action.
Product: Credit card or prepaid card

This bank keeps lying to me and treats me horrible they promised me that my replacement card would be contactless and it isnt when I call their customer service says their sorry horibke and then I requested a product change upgrade to the travel rewards card which they said I qualified for because of no foreighn transaction fee I chose this card but instead they change my existing cash rewards from a XXXX to a XXXX so unfair then when I call and ask them why I didnt get the travel Rewards they said their system in so tired of this bank treating me like this and wish they would keep their word I never got a contactless credit card and my existing account never got upgraded to the travel rewards card as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern im am XXXX XXXX my social security number is XXXX XXXX XXXX born XXXX XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report theirs a XXXX account and student loans that show negitive and change off i told XXXX credit reporting agencies that their fraudulent accounts. Can you please have XXXX   remove these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 ( address, account or inquiry : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX
Product: Debt collection

Was renting an apartment through a complex. Finished my lease term. They overcharged me for the last month owed and would not tell me why they were charging me for such a high amount. They told me I was unable to sign a new lease due to late monthly rent payments. I attempted to call and email asking for a statement of what the charges were for, if they had a security deposit that was not refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX of XXXX XXXX complete a unauthorized Hard Inquiry on my credit on XX/XX/XXXX. 

I submitted an application early XXXX. On the XX/XX/XXXX we emailed about credit pulls. I requested to be notified before the credit pull, XXXX XXXX of XXXX responded he would need email authorization. I responded on XX/XX/XXXX that I would need it done before XX/XX/XXXX since I already was shopping around for rates with other mortgage lenders. I never heard a response from him until XX/XX/XXXX after this unauthorized incident. On XX/XX/XXXX I email XXXX XXXX stating that I was withdrawing my application. I also attempted various time to speak with him over the phone but kept getting his secretary who I also notified of my withdrawal. Today XX/XX/XXXX my credit was pulled by XXXX XXXX on behalf of XXXX XXXX without my approval. I notified XXXX XXXX and he contacted me via phone stating he would investigate, but also stated he didn't know what a resolution would be.
Product: Credit reporting or other personal consumer reports

The accounts dont belong to me I have been a victim of identity theft and I also filed my FTC report. I contacted the Credit Bureaus. They do not want to remove the accounts off of my credit report. 

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Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with XXXX XXXX, I ask that they be removed within 15 days. Relevant documents are attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This occurred back in the spring of 2015, and I have no clue how to solve this situation with my previous school.during the spring I registered for some classes however I withdrew from those classes on time and I even went to the registration office and explained them that its courses I am repeating for that reasons I am withdrawing from the courses.but what happened later its not fun, they sent the amount charged for those courses to a debt collectionand its still in XXXX  files Iam trying to get right of this and I dont think its fair .iam not paying for courses I didnt took .please provide me with the right infos to solve this. 
Thank you XXXX
Product: Credit card

I have had a Venmo ( Synchrony ), Visa card for for a minimum of 4 years, never a late payment! Six months ago my checking account was compromised, this account was connected to my Venmo account so I could pay my monthly statement. Now, I had to connect my new checking account to Venmo to keep current on paying my credit card bill. Seems easy enough right? ( This is where the disaster starts! ). Venmo uses a system called PLAID, do not trust it!! I put in my new checking account number, it finds your bank, you click yes once it finds your bank, and it is SUPPOSED to do everything else, find your routing number, etc. As far as I could tell, all was good. 
I made my monthly payment to my Venmo Visa after all was hooked up... .I received an email telling me it was good, then 24 hours later, another email said the payment was returned!! HUH? To shorten the story, this happened 5 times! Finally, I talked with one representative, never forget him, XXXX, who went in the system manually and said that their " XXXX '' system was putting my routing number through incorrectly!!! So, with my permission, he sent a small XXXX deposit and XXXX cent withdraw to my bank, everything worked perfectly!!! Out of nowhere, I get a letter saying my Venmo Visa Account has been closed because of returned payments!!! I call Venmo and explain to them that the reason for the returned payments was do to their " XXXX '' system putting in my routing number incorrectly, plus this had put a ding on all the credit reporting systems! They said they understood and would review it and get back to me in 30 days. The answer was the same, and the only thing I could do was pay off the balance, then re-apply for a new cedit card, I told the agent, all that would do is put another ding on my credit report! This is totally unfair to anybody who is dealing with them. Plus I have 5 other Synchrony ( XXXX XXXX ) Credit Cards in perfect standing. I do not suggest that you apply for a Venmo card, and if you do, input all your info manually!!! They will mess up your credit through their XXXX system!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency named XXXX recently reported three collection balances on my credit report for {$400.00}, {$140.00}, and {$120.00}. Prior to these accounts appearing on my report, I received no notification of the debts whatsover. XXXX never supplied me with a notice of my right to dispute, prior to reporting these debts, so they have violated my rights under the Fair Debt Collection Practices Act. And since they have reported these debts illegally, they are also in violation of the Fair Credit Reporting Act.