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

I signed up for Capital One XXXX card because it had 0 $ annual fees. Now I got a payment scheduled for 29 $ for " Capital One membership fees ''. I called customer service and they didn't have an explanation what this fee is for since the website explicitly declares the credit card as 0 $ annual fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXXXX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS
Product: Credit card or prepaid card

I have worked on fixing correcting my credit which is depending on agency XXXX about. I filed for a Best Buy credit card notice sent for denial was because they could not confirm it was me, so I mailed a copy of my bill with my address and name on house bill house by the way I own outright. 2 letters sent asking what is going on one call, but never got a response which stinks to have what I believe is good credit and denied for not any known reason. I wrote them and scanned my home bill in my name only and its been over a month since this happened, but they never respond at all. I did check XXXX believe it was they sent me a report but could find no issue that in my opinion would of created this or an issue or if not given credit a reason other than then they can not confirm I am who I said I am. If issue, thought they would of asked or called me or responds a least to my inquiry so I know what the reason was verse having NO IDEA why they denied me credit. I am unsure of anything other than use or nicked my credit score a few points to apply and would of a least expect a professional response vs nothing, evidentially writing to them and asking them will not get them to respond or ask question if there was or is one.
Product: Debt collection

Company sent me a letter stating they are no longer handling this account. They are reporting to the credit bureau that the information is accurate and correct. I made a call to the collection agency and spoke with a  XXXX   XXXX , who stated that when they receive an dispute although they are no longer handling the account, they reach out to the original creditor and confirm that the debt is valid. Th e debt may be valid with the original creditor but its not valid with the collection agency.
Product: Credit card

Ive been trying to get Wells Fargo to send me money that has been credited to my closed credit card account for almost 5 months now with no success. I continue to get different stories on the status of my money and feel like Im getting the run around. Heres a chronology of this issue and my attempts to get Wells Fargo to send me my money : XX/XX/XXXX I closed a Wells Fargo Credit Card account number XXXX XXXX XXXX XXXX. 
XX/XX/XXXX I got a credit for {$84.00} for some items I returned. 
XX/XX/XXXX I called Wells Fargo to have a check sent for the credit. 

I never received the check. 

XX/XX/XXXX I received a letter from Wells Fargo asking me to deposit a check dated XX/XX/XXXX that they claim was sent. 
XX/XX/XXXX I called asking for a new check to be sent out and was told it should take 7-10 business days. 

I never received the check. 

XX/XX/XXXX I called and was told Wells Fargo would have to look into this. That they would have to put a stop payment on the check and would be sending me an affidavit within 7 to 10 business days. 

No affidavit was sent. 

XX/XX/XXXX Talked to XXXX who transferred me to XXXX who said it actually takes 7-14 business days. 

No affidavit was sent. 

XX/XX/XXXX Talked to XXXX XXXX XXXX XXXX XXXX ) who told me there was not way for me to talk to a XXXX. 

XX/XX/XXXX I went into a Wells Fargo XXXX in XXXX XXXX who had me work with XXXX XXXX. XXXX said the second check actually was never sent and the first check had a stop payment put on it. She issued a second check and said I should receive it within 7-14 Business days. 

I havent received the check. 


I'm attaching XXXX document. First is a copy of my credit card statement showing the credit of {$84.00}. The second is a copy of my credit card statement showing {$84.00} was transferred leaving a {$0.00} balance ( not sure how {$84.00} was transferred since I never received nor deposited a check ). The third is a copy of the letter from Wells Fargo asking me to deposit the check they supposedly sent me.
Product: Debt collection

The debt in question is referenced by account number XXXX. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I requested that you provide me with the following information to validate the debt : 1. The amount of the debt 2. The name and address of the original creditor 3. A detailed description of the debt 4. Any relevant documentation supporting the debt 5. Proof of ownership or assignment of the debt 6. A verification of the debt balance 7. Verification that your agency is legally authorized to collect this debt on behalf of the original creditor. 

I also request that your agency cease all collection activities, including any reporting to the credit bureaus, until the requested debt validation is provided. 
Furthermore, I have recently obtained a copy of my credit report, which revealed the presence of an account allegedly being collected by your agency. Upon careful review and analysis of the information provided, I have reason to believe that there are inaccuracies in the reporting of this debt. I have written this company and they have not responded. 
this account is causing me mental stress. and i want it removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with XXXX  incorrectly reporting to the 3 credit bureaus that I have missed up to 9 payments. Then when I call and speak with them, ( 57 times in the last 8 months ) they tell me they have not reported anything. I have paperwork from XXXX proving that I have not missed ANY payments, yet they are reporting that I've missed up to 9 payments. This has caused me to receive multiple rejection letters that explicitly list the XXXX missed payments as the reason for denial of credit. The last time I spoke with XXXX  they told me after all this time that I'm supposed to mail them a special form, that I can only get from them, in order for them to do what is REQUIRED BY FEDERAL LAW. I am still waiting on that " special form '' to be e-mailed to me. Over a week now.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$7800.00}.
Product: Credit reporting

I hope this email finds you well. I am hoping you can help me or point me in the right direction. I am asking Citibank to help me remove the XX/XX/XXXX delinquency on my credit report with all three credit agencies. I feel that I have been a victim of an unfortunate situation that has cost me dearly. I have been a Citibank customer since I XXXX  college in XX/XX/XXXX. I still have an existing Citibank credit card. It started in XX/XX/XXXX when I walked into a branch to close my Checking Plus account. Something happened where the account was never actually closed. I had no idea an account remained opened until I had my mortgage banker check my credit as my family and I was about to put a bid on a new home. In the time it took for me to research exactly which account was showing a balance on my credit report, and to my surprise, I was charged with a 30 day late payment delinquency. Furthermore, I had accrued well over {$1000.00} in fees that I truly had no idea about. There is so much more to this story, and if you take the time to look at my history, you will find that something is just not right here. I have since paid my account in full, and all I ask is that considering the circumstances, that you could help me remove the delinquency from the three credit bureaus to help put this nightmare behind me. I do not feel that it truly represents my ability and willingness to pay my debts and has cost me a huge amount of trouble and a home that we missed out on buying. I have written letters to Citibank and to all three credit agencies. The conclusion I have found is that only Citibank can remove this. I have called Citibank numerous times, spent hours on the phone, have gone to the branch in which the account was closed, and even have been emailing with that branch manager ( see email chain below ). I feel like I am at a dead end and this has become my last resort. Please help me. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested removal of unauthorized inquiries on my credit report with Transunion on more than one occasion. However Transunion claims to dispute the inquiries and have them removed. These inquiries still remain on my credit report without any validation provided to me. I have requested this information and Transunion refuses to provide me with any information. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I would like assistance with the disputes I have sent to TransUnion. I sent dispute letters to TransUnion on several different occasions, letting them know that these collection accounts were being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all three of these accounts are being reported as open accounts when they are indeed not. I will be attaching the disputes sent on XXXX and XXXX to Transunion. I understand that all information being reported must be reported 100 percent correct. However, here we are almost 4 months later. I rechecked my credit report on XXXX, and the information is still being reported incorrectly ; all three accounts are reported as open. This is inaccurate. Writing to Transunion about these errors and not getting the issue resolved is frustrating, not to mention it's costing me time and money. Please assist me in getting this issue resolved. I appreciate your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like this item immediately re-investigated. XXXX XXXX XXXXXXXX - XX/XX/year> 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , XXXX   in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
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 confidentially under 15 U.S.C 1681 here are a list of accounts and wrong addresses that violated my privacy... 
XXXX XXXX opened XX/XX/XXXX there address is XXXX XXXX XXXX XXXX XXXX, Nv XXXX amount is XXXX I have no knowledge of this account.. 
First Progress : there address is XXXX XXXX XXXX XXXX, Ga XXXX opened XX/XX/XXXX amount XXXX I have no knowledge of this account.. 
XXXX XXXXXXXX XXXX : there address is XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX opened XXXXXXXX XXXX : there address is XXXX XXXX XXXX XXXX # XXXX XXXX, Ga XXXX opened XX/XX/XXXX I have no knowledge of this account XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX also there are several wrong addresses that are listed, my address is currently XXXX XXXX XXXX XXXX XXXX Ga XXXX wrong addresses that are still listed and reporting are : XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX please remove these addresses i have no knowledge of theses addresses... 

These accounts and wrong addresses have 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, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681 C ( A ) ( 5 ) SEC STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONIS IN ACCURATE, PLEASE REMOVE THESE ITEMS OR I WILL BE INVOLVING MY ATTORNEY...
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XX/XX/XXXX {$3000.00}, XXXX XXXX XXXX {$470.00} - {$130.00} open XX/XX/XXXX XXXXPlease remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which XXXX is reporting as a Foreclosure to XXXX and Equifax. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to XXXX. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. XXXX has also reported to Equifax a date of last activity of XX/XX/XXXX while XXXX shows XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

DEROGATORY REMARKS/ACCOUNTS/COLLECTIONS XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES XXXX. XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I entered into a 13-month CD for {$75000.00} at an interest rate of 4.6 %, which was in line with the market rate at the time. When entering into this CD, I was required to auto-renew to the same maturity ( 13-month ) CD when the original came to term. In JXX/XX/XXXX the CD was auto-renewed at an interest rate of 0.03 %, dramatically below the market rate and the rate the bank was offering to take out a new CD at the same time ( around 5 % ). Then I was charged a break fee of 180 days interest to exit. The bank is exploiting its customers by not allowing them to opt out of auto-renew, then hoping the customer does not break the new CD within the first 6-day period of the renewal, which was done at an interest rate not even close to the rate the bank is offering to new CD customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two different complaints First of all, with the exception of the {$550.00} being worked my Midland ( more on them below ), every one of the balances showing on my report HAS BEEN PAID IN FULL I know that you will claim that my score will be upgraded soon .... but that does not change the fact that what is being reported is outdated and inaccurate! 
My second problem is that Midland is claiming that my account has not been updated meaning of course that they are hoping to bleed more $ $ from me which aint gon na happen Could you help in that area?
Product: Debt collection

Sequium Asset Solutions reached out to me claiming I had an outstanding debt with a previous rental agency for an apartment I leased in XXXX. The alleged outstanding debt, as reported by Sequium Asset Solutions, is inaccurate. The correct account balance is {$0.00}. 

In XX/XX/XXXX, I moved out of an apartment in XXXX XXXX XXXX XXXX XXXXXXXX, Texas. During the move out process, there was a miscalculation by the leasing office, resulting in the reporting of an outstanding balance on my account ledger. This original, incorrect ledger showed an outstanding balance equivalent to the amount that Sequium claims I owe. I was able to contact the Bookkeeper and resolve the issue. The bookkeeper corrected the issue, confirming I do not owe a balance, and even found that a refund was warranted due to overpaying dues at the end of my lease. XXXX  XXXX XXXX issued me a check for the money that was owed to me and a second ledger was sent to me showing a balance of {$0.00}. 

I reached out to XXXX XXXX again in XX/XX/XXXX when Sequium Asset Solutions first contacted me. After speaking with the Accounting Manager it was confirmed again that there was not an outstanding balance on my account. XXXX XXXX also informed me that they work with a different debt collection agency and confirmed they did not send any debt to Sequium. 

Additionally, I mailed Sequium Asset Solutions a letter requesting validation of the alleged debt. This letter was sent via certified mail on XX/XX/XXXX. It was signed for by the collection agency but a reply providing factual evidence supporting their debt claim was never sent back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that I did not authorize and are from unknown credit companies. 
- OneMain Financial - 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

On XX/XX/18 I obtained my Transunion credit report ( Report # XXXX ) and after reviewing it I noticed that I have 1 negative account that I do not recognize which is definitely fraudulent. The 1 negative account is from a XXXX XXXX XXXX XXXX, XXXX of which i have no clue why it is reporting on my credit report and there is an obvious error. I have never done any business with the companies listed on my report. I have filed a police report and I have disputed this before with Transunion to no avail. This is affecting my credit and I am asking for help with this matter. Thanks
Product: Credit reporting or other personal consumer reports

The address on my Experian credit report is incorrect. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX Il, XXXX. 
Also the employer on my XXXX account is not correct either. My employer is XXXX.
Product: Debt collection

The company Midland Funding purchased a debt from another company and I had no involvement with the transaction. Pursuant Title 18 U.S. Code 1028 ( c ), whoever knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to provided for such felony, be sentenced to a term of imprisonment for of 5 years.