23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX charged me {$95.00} annual fee on XX/XX/XXXX the folowing year when i switched to a no fee card they charged me {$95.00} on XX/XX/XXXX more than XXXX weeks before the XXXX fee was due to expire. I received my new no fee card however the bank still charged me {$95.00} for a no annual fee card.
Product: Credit card

I made a purchase using XXXX and my Citi Card on XX/XX/XXXX and it went through. It was a fairly large purchase ( {$1300.00} ) so I was able to sign up for the XXXX XXXX option. Because of this, I made another purchase for my side business ( {$2000.00} ) on XX/XX/XXXX so I can manage the payments going forward - and for some reason this was no longer allowed for XXXX  XXXX. In XXXX when I received my statement, I saw they had charged the {$2000.00} as a cash advance and charged me interest and fees associated with such. 

They never gave me notice that XXXX was being removed. They never gave me notice about the purchase being used as cash advance. They took almost {$200.00} in fees from me for without valid notification, and they charged compounding interest. I do not like how they handled this situation and I am appalled at how they do business.
Product: Debt collection

I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Portfolio Recovery A Date opened XX/XX/2017 Balance {$1300.00}
Product: Credit reporting or other personal consumer reports

I settled a debt and asked for them to email or mail me a copy of what was agreed on. They agreed to settle for {$1100.00} and they would report that the account was paid as agreed and left to XXXX. Instead they reported the balance to XXXX and settled for less that agreed upon/ less than the balance when that was not what we agreed on. They lied to me in order for me to pay a lump sum of money. They have been predatory in their practices since Ive began to deal with them.!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Acct # XXXX opened XX/XX/2022, 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 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

After reviewing my Credit Report I noticed that the CRA 's including CAPITAL ONE AUTO FINANCE are illegally reporting transaction history in my Credit Report which is not public information ( Account number XXXX ). This is a direct violation of the Privacy Act of 1974 and a violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. I demand that this transaction history be removed immediately.
Product: Credit reporting

there are items on my credit report from XX/XX/XXXX, XXXX, close to XXXX plus years and Experian refuses to validate the debt or information, their response is, - ou have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 

** There is also an account from XXXX XXXX and per Experian, they will not reinvestigate the account becuase it was validated in XX/XX/XXXX, over 7 years ago. The exact wording is - This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I have tried to dispute world finance every since I've seen it on my credit report I did not open a pay day loan from them my actual loan is from security XXXX XXXX which who is no longer in business in the state of Illinois do to the law the state governor pass in XXXX which was supposed to reduce high interest rates and fees I have pretty much paid off this loan during there closing they sent out letter 's saying that they are no longer in business can't take payments so I look up World Finance sent me a letter saying I opened an account with them which is actually XXXX XXXX XXXX XXXX account that they sold to them and no they're forcing me to pay them and they have tremendously hurt my credit score I did not open no loan with them period world finance I have tried to upload the letter 's saying that they are no longer in business and it keeps coming back that I owe world finance and I opened a secure loan with them and I'm pass due 30 days if you notice I pay my bills on time I have some debt but needless to say that they're hurting my credit score with sending my stuff over to World Finance I did not go anywhere finance and apply for a loan I did not find any paperwork for World Finance anything in that nature my loan came from XXXX XXXX XXXX  which is known as if XXXX and they are no longer in business so I am trying to figure out how can they damage my credit like they are and the laws has changed the loan is paid for basically I got this long almost 18 months ago I paid {$150.00} a month all the way up until XXXX and I started this this loan in XX/XX/XXXX XXXX of XXXX governor XXXX XXXX pass the law for these loan companies which force alot out of business due to extreme high interest rates and over charging minorities and low income people with low credit score high interest that was told to be corrected and has to stop now I'm being put in a situation where they is affecting me and my lively hood I am going to reach out as well to the governor of Illinois regarding this matter and I need someone to look further into this because it's wrong and it's not right
Product: Credit card

Someone opened a credit card account in my name under XXXX XXXX and it brought my XXXX XXXX down XXXX points. Keep in mind Ive never had a capital XXXX account.. opened at least. And now Im getting a weird email in my email as well. The pictures below will display the weird email, and the credit score drop as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. US DEPT ED XXXX {$610.00} XXXX  XXXX {$15000.00} XXXX XXXX {$1700.00} XXXX XXXX {$460.00} US DEP ED XXXX {$550.00} US DEPT ED XXXX {$550.00} XXXX  XXXX XXXX {$19000.00} XXXX XXXX XXXXXXXX {$170000.00}
Product: Debt collection

I have submitted multiple disputes for this account with credit bureau in writing and electronically beginning on XX/XX/2019. I have also sent the company that has the debt a debt validation on XX/XX/2019. Every time I dispute this or send a letter i get we validated this debt without showing the proper documents to support their case.
Product: Credit card or prepaid card

Capital One Customer Number : XXXX. 
On XX/XX/2019 myself ( XXXX XXXX XXXX ) was approved for a Secured Capital One MasterCard, where I deposit {$49.00}, and receive a {$200.00} dollar Credit limit. And where the Deposit is refundable. Also after 5 On-Time payments will receive an increase in credit. See attached XX/XX/2019 email.  After mailing Lawful Payment via Money Order dated XX/XX/2019 ( see attached ), the Lawful Payment was refused, See Capital One letter dated XX/XX/2019. Also, lawful payment via XXXX Visa Debit Card are also refused. Capital One only accepts personal Check 's, or checking account with bank tracking number. This strips away the Consumer Protection when paying via XXXX Visa Debit Card the payment will only be authorized if there is sufficient funds in the checking account, thereby avoiding Overdraft Fee 's of {$36.00} dollars, a Consumer Protection granted by Act of Congress. Capital One is surcomeventing ( getting around, undermind ) this Consumer Protection by demanding a personal Check or Bank Tracking number and Account number.
Product: Debt collection

ACCOUNT RESOLUTION SERVI NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRICIPLE IS NOTICE TO AGENT After reviewing my credit reports I noticed that your are alleging that the following accounts are negative without furnishing any proof of verification or accuracy of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX  + XXXX XXXX XXXX + XXXX XXXX XXXX  + XXXX XXXX  XXXX  + XXXX XXXX XXXX + XXXX XXXX XXXX  + XXXX As you know it is against the law to report any information not proven accurate.I demand that you provide me with concrete evidence of my obligation to said accounts Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. If you accept my request, I will not escalate this matter to Federal Court. In the case you dont accept the above request, legal action shall be taken against your company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerley, : XXXX : XXXX All Rights Reserved Without Prejudice
Product: Credit reporting or other personal consumer reports

My XX/XX/XXXXand XXXX reports both shows XXXX as my score but Equifax is not updating my score and shows XXXX. 
I have credit cards that are showing I owe full balance on that I have paid off or owe only {$20.00} on and that has not been updated. Without this information updated I can not get a house loan.
Product: Credit card or prepaid card

Contacted Wells Fargo via email, regular mail, and telephonically. Have failed to protect my personal information and have subject me to identity theft and preemptively filed a lawsuit seeking to declare the amount charged owed.
Product: Credit reporting or other personal consumer reports

I mailed the XXXXdispute letter to Equifax, XXXX, XXXX stating the information being reported on my credit report is incorrect and it needs to be removed immediately! the documents were sent in the month of XXXX, and which its pass the 30 calender days for a rebuttal of the affidavit to be contest which has not happened
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : 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

Experian is not following the rules of the FCRA. I requested they investigate XXXX specific accts on my credit report. I felt they were reporting in error. Experian reported back that they verified all the information & when I requested they re-investigate the information they said I needed to contact the data furnisher directly. So on XXXX XXXX, XXXX I sent letter, via certified mail, to the XXXX data furnishers requesting additional information. To this date not XXXX data furnisher has provided me with any information about my accounts. So on XXXX XXXX, XXXX I sent a letter to Experian informing them that all data furnishers have ignored my request & I requested they remove the negative errors on my report. I included the letters I sent to the data furnishers as well. Experian has since responded & said they will not remove any information that they 've already investigated these accounts. They are in strict violation of the FCRA. I would like these accounts removed immediately.
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 an confidentiality XXXX XXXX XXXX IS INACCURATE THEY ARE POSTING A PAST DUE BALANCE THAT IS INACCURATE.US DEPT OF XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
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 XXXX XXXX XXXX. 

Account name : 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 XXXX 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: Mortgage

Ridiculous from Servicer and XXXX XXXX to keep paying services like Bayview for homeowner 's to keep loosing their properties and they are not doing their job. 

My Name is XXXX XXXX XXXX and I have submitted this modification on behalf of XXXX XXXX in the week of XX/XX/XXXX, I received a called from XXXX XXXX, to see if XXXX the Account Executive on this case has done anything with the documentation I had sent, he informed me that the documentation was just sitting there and that XXXX was not doing anything with it. You may reach XXXX at XXXX. 

He also suggested I should speak with XXXX supervisor. 
The letter that XXXX XXXX got today is a total violation of RESPA. 
since it does not implement any of the documentation that was need it to sent in. Either me or XXXX XXXX had received any documentation requesting additional information. Its Fraud and a lie.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting inaccurate accounts on my consumer reports which has affected the ability to maintain credit. This account does not belong to me. Anyone can open a fradulent account online. Where is the orginal contract with my signature. How did they verify an account is accurate that was opened online.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership XXXX XXXX XXXX XXXX XXXX along with XXXX 's support team could not fix. With help from NJs Lemon Law Team through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with XXXX XXXX XXXX XXXX ( which owns XXXX ), and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made a XXXX XXXX payment, but XXXX XXXX requested a check from XXXX because the account was placed in a protective status. The car was returned on XX/XX/XXXX because of the defects and all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the XXXX retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$53.00} MEDICAL ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX  ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX XXXX, XXXX XXXX ( Date Opened :, Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ), XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

In XX/XX/2019, I received a letter from the company States Recovery Systems , Inc., of XXXX XXXX CA that they are charging me the amount of {$48000.00}, of a suspicious debt from XXXX XXXX XXXX of which I have never been notified, that I do not recognize it And I don't know who? or what is it?. Before this letter, people from this company called me and asked me to speak in XXXX as it is my first language and they refused, insulted me and hung up the phone without giving me an explanation. Now I receive this threatening letter and I am not given details of what it is? Prior to this incident I have an identity theft reported more than a year ago with XXXX XXXX XXXX who have never told me what happened, what research was done, they never wrote to me and I never knew how it happened? Or what happened? Nor did they explain to me how this debt came to my accounts for the amount of {$73000.00} dollars, how the bank lowered it to {$48000.00} and how this happened electronically in my personal accounts at the bank. I ask you to help me because I made a complaint in the police for identity theft and also report it and now I receive these threats without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This concerns GM Financial. They are showing 30 day late payment on two bureaus and an incorrect balance on 2 bureaus. I paid my XX/XX/XXXX payment which was due XX/XX/XXXX on XX/XX/XXXX which was one day late, not 30 days late. They reported to XXXX  that I was on time. They reported to XXXX  and XXXX XXXX that I was 30 days late in XX/XX/XXXX. I caught the account up in XX/XX/XXXX and can not have them showing 30 days late when i was not. Also, XXXX  and XXXX   show a balance of {$17000.00} which is incorrect and XXXX shows a balance of {$13000.00} which is correct. I made 4 payments in XX/XX/XXXX and XX/XX/XXXX to catch up. GM Financial told me that they had a system update in XX/XX/XXXX and could not report until XX/XX/XXXX. That was 4 months of non-reporting and when they did report, they reported something inaccurate to each bureau : either the balance or a 30 day late payment. I most recently spoke with XXXX today ( XX/XX/XXXX ). They tell me they reported and can not correct until the XX/XX/XXXX report. This is hurting my credit score, increasing interest amounts on anything I want to buy on credit and a low score could impact a job offer. Please assist me in solving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, to inform you that there is no third party involved in the process. I sent letters to XXXX and Transunion Credit bureaus the date of the last letter was on XX/XX/2023. And now we are in the month of XX/XX/2023, and still nothing from them. That means XXXX and Transunion credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX