23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, I applied for a Pottery Barn CapitalOne credit card in XXXX to purchase a seat online for {$2900.00}. The offer was a year to pay the balance without interest. However, in XXXX I started to make payments online. 

On XX/XX/XXXX, I decided to check statements and noticed an interest charge of {$71.00}. immediately I called to request a refund. On the phone with the agents, I was informed that the promotion offer was valid and I was charged additional interest in XXXX for {$71.00} and then in XXXX for {$74.00}. 

The agent was informed that she would help me get the full refund I requested. However, an hour later I received an email with a link to a letter denying the refund. 

I called again for additional information. Since it has passed 90 days since the first time the interest was charged without a " complaint '', my money would not be refunded. 

Furthermore, the offer was not valid and directed me to call Pottery Barn because CapitalOne couldn't/would n't help further. 

These businesses deceived me and stole money from me. I now have to pay in full to avoid additional interest charges.
Product: Credit card or prepaid card

I received a XXXX XXXX XXXX XXXX  while working for XXXX XXXX. I no longer work for XXXX and would like to cash out this card. The original card is lost. I am being blocked from accessing my funds which I believe are in the amount of {$2600.00}. XXXX 's customer service is awful. There is no direct way to get in touch with a live agent at XXXX. I call up, am asked to provide my social security and birthday but no account is found under that name so the automated system hangs up. My old employer XXXX is unable to update my address/ phone number and correct the information that XXXX has so that my identity can be verified and I can get a new card sent out. Fifth Third is the bank that holds the money and issues these payroll cards. I have called them and they tell me the employer need to resolve it. The employer refuses to contact XXXX to resolve this issue but did let me know that when a card goes unused for over 100 days the funds may be taken by wisely as abandoned. The employer is well aware of the issues XXXX has with customer support. I have made multiple calls to Fifth Third Bank and have not been helped with this matter
Product: Checking or savings account

So Bank of America has accounts that was fraudulent in my name with my social security that was not me. The amount of XXXX and the other account was XXXX that was open on XXXX I did go to the fraud department and they gave me claim number now I have to wait 3-5 days for the forms to fill out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I reported a dispute with transunion on my account they never completed the dispute and they dont let me create another
Product: Credit reporting or other personal consumer reports

I sent a letter requesting the assignment contract and a wet signature for debt validation Certified mail, and after more than 30 days, I was ignored. According to Consumer Law 15. USC 6801-6802, it is illegal to put anything on my consumer report without my permissionXXXX XXXX XXXX  DIDN'T HAVE MY WRITTEN CONSENT TO REPORT ANY NEGATIVE ITEM ON MY REPORTS.THIS IS UNVERIFIABLE DATA. Our personal information isn't supposed to be shared by a third party. by law No financial institution can share my NON PUBLIC information with a third party entity. I am a victim of identity theft, and demand for immediate action that this Collection be removed at once from all three Credit Agencies. According to FCRA Section 605 B, it is illegal to report information on me credit report without my permission. Please remove this inaccurate information from ALL THREE Credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for XXXX Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information.

The account in question is as follows : 1. Account Name : XXXX XXXX Date Listed : XXXX XXXX, XXXX  The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, the issuance of a XXXX form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a XXXX form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the XXXX Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required XXXX timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX Dear Experian, I am reaching out to address an issue and seek clarity regarding the accessibility of my credit report. As per the guidelines set out in the Fair Credit Reporting Act ( FCRA ), I am aware that credit reporting agencies are required to furnish consumers with their credit reports upon request. 

After requesting my credit report from XXXX, I received the information promptly. However, when I made a similar request to Experian, I faced obstacles in obtaining my credit report. This situation has left me perplexed and worried, as I firmly believe that all credit reporting agencies are bound to comply with federal laws pertaining to consumer rights and fair credit practices. 

I kindly ask that you look into my case and provide an explanation for why my credit report has not been made available to me, as mandated by the FCRA. Furthermore, I would be grateful if you could clarify any specific reasons or procedures that may be impacting my ability to access this information through Experian.

Accurate and current credit information is important to me, and I believe that transparency on this matter is vital for consumers like myself. Your prompt attention to this issue is highly appreciated.

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion Dear, Credit Reporting Agencies I am writing to formally request an investigation into inacc urate and incorrect infor mation on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have identified discrepancies that I believe are erroneous and negatively impacting my credit XXXX XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and correct or remove any information found to be incomplete, inaccurate, or unverifiable within 30 days. I respectfully request that you : XXXX. Conduct a thorough investigation 2. Remove or correct any information found to be inaccurate or unverifiable.

3. Provide me with a written statement detailing the results of investigation.

Please note that under 15 U.S.C. 1681i, if the information can not be verified, you are legally obligated to remove it from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the investigation has been completed and that my credit report has been updated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights unde

r -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

I am disputing a nissan motor acceptance corp account on my credit report that is listed as closed and should show paid in full .I did not file a bankruptcy so this account should read as paid in full on my credit report I am asking that nissan remove this account from my report or report it as paid in full as the account was paid in full I have disputed and call to get this resolved for months now and nothing is being done The account was paid off.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX a lump sum payment of {$1400.00} was made to Lendmark Financial Services. The following month we ( XXXX and XXXX XXXX XXXX received a statement indicating there was a system update and they could only provide us with the next scheduled regular payment. This statement did not indicate the most recent payment of {$1400.00}. In XXXX XXXX, XXXX XXXX received a XXXX XXXX notification that the XXXX account had been removed from her credit report. In XXXX XXXX she contacted XXXX because her credit report had not been updated. The clerk at the local office indicated the problem would be rectified. As of XXXX/XXXX/XXXX the account is being reported with an incorrect balance of {$2900.00} with the last date reported as XXXX XXXX. The last payment indicated is XXXX XXXX and the status of said payment is unknown. The amount reported is not indicative of the lump sum payment or the subsequent XXXX and XXXX payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act and XXXX  Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX. XXXX XXXX Account:XXXX  XXXX. XXXX XXXX XXXX  Account XXXX XXXX XXXX. XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX Account:XXXX  XXXX. XXXX XXXX. 
XXXX all of which has violated my rights. 

15 U.S.C. 1681section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish any account without my written consent of instructions as well verify the true and accuracy of the information with consumer.
Product: Credit reporting or other personal consumer reports

I sent NOTICE to Equifax on XX/XX/XXXX Tracking XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXXXXX, Equifax received NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXX XXXX XXXX, GA, and NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXX XXXX  XXXX, GA ( View details on XXXX ). The LEGAL NOTICE advised from recent amendments as to the ( FACT Act ) XXXX that Credit reports for US BANKRUPTCY, judgments, fines and liens may no longer be permitted. This means that reports for collection purposes are only allowed when collecting on an obligation arising from a credit transaction. Equifax response did not remove the information as required by the FACT Act and sent a reply stating that Equifax verified the account to be valid. I at no time gave Equifax any permission to report this transaction and have sent several documents supporting the removal. I have also included a copy of XXXX XXXX sent to another credit reporting agency which was posted on the XXXX from the FTC notifying of same requirements of Federal Law. See attached documents
Product: Credit reporting

I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all XXXX reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

XXXX
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus were contacted for dispute purposes. XXXX XXXX was the ONLY one that I was successful in getting actual and beneficial assistance from! Their help resulted in the removal of a derogatory report and an increased credit score which was my goal. 
I got nowhere with my calls to the other two. 
They were discouraging, not really listening, non caring, provided no dispute instruction, eager to get me off the phone altogether, etc. This occurred on at least 2 occasions : in late XXXX and early XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information EXPERIAN. Please delete the following accounts Account name- DEPT OF ED/XXXX  Account number- XXXX - Account name- DEPT OF ED/XXXX  Account number- XXXX - Account name- Account name Account number- XXXX - Account nameXXXX XXXX XXXX XXXXC Account number- XXXX  - Account name- XXXX XXXX XXXX Account number- XXXX - Account name - XXXX XXXX XXXX Account number- XXXX - Account name- XXXX XXXX XXXX Account number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS FAILED TO REMOVE FRAUDULENT INQUIRIES ON MY CREDIT. XXXX  AND XXXX  HAS FIXED THE ISSUE, WHAT IS TAKING EQUIFAX SO LONG? IT HAS BEEN OVER 60 DAYS AND NO RESOLUTION FROM EQUIFAX. I HAVE NOT EVEN RECIEVED ANYTHING IN THE MAIL. I AM REQUESTING ANOTHER INVESTIGATION AS I HAVE NOT RECIEVED ANYTHING BY MAIL AND THE FRAUDULENT INQUIRIES ARE STILL REPORTING. I HAVE ATTACHED MY IDENTIFICATION AND ID THEFT AFFADAVIT PACKET.
Product: Student loan

My student loans are w/Nelnet transferred from XXXX XXXX, XXXX XXXX leader stated XXXX XXXX stated base interest rates were 6.8 %, majority of my loans were 3.+ %. I have applied for a XXXX Loan Forgiveness but they are asking for documents I have already submitted. This has been going on since XX/XX/2019. One young man told me their processing time is so long because they are short handed. They also payments should be {$73.00} and not {$95.00}. XXXX made up a story that I paid an overage which could have occurred when XXXX XXXX had my Loan. Nelnet is making up lies and will not put their explanations in writing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two CitiCards. An Awards ( ... XXXX ) card and a CitiAdvantage Card ( ... XXXX ) Sometime in early 2020, before XXXX, my card ending in XXXX, that I had not used for over 5 years was paid off complete. 

Payments were being made automatically to both accounts from my XXXX XXXX Checking Account. For some reason after the paying off my card ending in XXXX, my payments to card XXXX ( CitiAdvantage ) were being applied to my XXXX card. I discovered this error and contacted Citi, who promised to move the credit in XXXX to XXXX and update my payment history accordingly. Citi moved the credit to XXXX on XX/XX/2020, or thereabouts, but never updated my payment history as promised. As a result I immediately received a 60-90 past due on my credit report, which I did not know of until recently. 

Furthermore, my card ending in XXXX had received activity that was fraudulent after the XXXX correction. I never received a statement or notification in the mail about any activity. The disputed amount was reported to the credit agencies as still past due as recently as XX/XX/2021, however upon notifying Citi, their fraud department and customer service departments tell me that I have a negative {$35.00} balance ( credit ). 

On XX/XX/XXXX, I received two letters from Citi ( attached ) stating that my credit information is correct and that I need to contact the credit agencies to let them know I'm disputing the information. 

I spoke with Citi again, XXXX - XXXX PST on XX/XX/2021 and was sent from department to department speaking to representatives in their fraud and customer services department only to be disconnected without resolution. 

I fear this really indicates Citi 's lack of security protocols and their inability to have any oversight to their credit card billing and management systems. Their lack of knowledge about their own processes is grossly expressed as their representatives appear to be mouthpieces to only drive their customers to give up due to their corporate direction of not really caring about their clients concerns. I am sure that I am not the only one going through this exhaustive process to right the wrong due to their negligence. 

I hope this is enough information to start this investigation. 

I plan on re-calling them as soon as send out this statement. 

All of the above can be confirmed if Citi releases all phone recordings and transcripts of my discussions and actions with them since XX/XX/2020. 

I can offer a copy of my credit report if needed. Every other creditor reports exceptional payment history except Citi. 

Best Regards ... ... ..
Product: Debt collection

Capital One Auto on XX/XX/XXXX This is an auto loan debt that was not mine. Someone by the name of XXXX XXXX used my name as a co-signer for an auto loan that I have no recollection of until recently when I was trying to repair my credit. Look at the original loan paper as well as the DMV paperwork and it will show that my name was not on that title or on that police report when this car was in a wreck sometime in XXXX. I did my investigation and that's what I found out from the XXXX XXXX police station. This was not a case that they can assist me with in filing an actual police report. I tried numerous times to get this off my credit report from all 3 credit bureaus but it is still there and ruining my credit. If they can't provide me with my name and signature on that loan and car title then please remove it off my credit report.
Product: Money transfer, virtual currency, or money service

Some many times different transactions appear and trying to withdraw out of my account larger amount of money. I never linked my account to those companies to just take money from my account.