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

I applied for a credit card with Capital One in order to begin re-building my credit. I was denied and told I would be receiving a letter outlining the reasons as to why within 10 business days. This was a month ago and I have yet to receive anything from Capital One. The offer for credit was pre-approved through XXXX XXXX as "likely to approve". While I understand XXXX XXXX did not make any promises, Capital One has not properly disclosed to me the reason(s) for denial as they are required and as they stated they would.
Product: Credit reporting or other personal consumer reports

I am writing to demand the removal of inaccurate account reporting to my Consumer Report. XXXX XXXX XXXX XXXX is reporting an account that is a violation of the law. I do not give consent, written instruction, permissible purpose, authority to disclose my private or financial information. The consumer reporting agencies have a grave responsibility to make sure reporting is accurate and legal this obligation has not been fulfilled in this matter. This is causing damage to my credit worthiness and is NOT an accurate reflection of me, my credit worthiness or my ability to make payments. This account has been paid, yet reporting derogatory in violation of the FCRA which assures maximum due diligence into reporting. 

This violation of my rights to privacy is very serious and does come with legal implications for all parties involved. I am giving in good faith opportunity to cure. Transactions and experiences are to be excluded from the report. I expect compliance with the law. All applicable state and federal laws and regulations should be upheld including but not limited to the FCRA, FDCPA, GLBA, FTCA. This is also a violation of the criminal and tax code. 

Rather than risk liability for the hundreds of thousands of dollars in fines, fees, and penalties for these violations on the creditor, data furnisher, reporting agencies. I simply ask that institutions act in accordance and remove this account and late payments. I am counting on compliance and rapid rescore to reflect my credit worthiness. I thank you for your time and attention to this issue. 

Have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, this company has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructionsXXXX XXXX XXXX ( a ) ( XXXX ) ( a ) and XXXX XXXX XXXX ( a ) ( XXXX ) States that willful and negligent noncompliance by any person is liable to the amount equal to the sum of the actual damages. I had previously notified the company of these violations via notarized affidavits sent certified XXXX XXXX  mail XX/XX/2022, XX/XX/2022 and XX/XX/2022. This company has continued to infringe upon my right to privacy and violate me willfully and negligently. I have sent them an invoice of ( {$61000.00} ) the actual damages of their failure to remain lawful. I have given instructions of how I can be compensated. I just want justice.
Product: Credit card or prepaid card

I was provided a refund by XXXX XXXX XXXX to My Capital one account on XX/XX/2023 for the amount of {$850.00}. This amount was provided to me and I didnt spend it. I called XXXX because I previously told them to refund me the {$850.00} on my XXXX Visa card and they did not. The corrected their mistake taking the {$850.00} from my capital one card and refunded it to me via XXXX Visa card. However when the transaction was reversed Capital one added the {$850.00} to my balance and they refuse to correct the issue I explained to them that my balance on my card was never {$850.00} and that they were supposed to put the refund back to my spending amount not money for me to owe them! Im sick of fighting with them and just want my account corrected!
Product: Credit reporting or other personal consumer reports

Sent TransUnion a written request asking them to remove the unverified accounts listed in my dispute letter that remain on my credit profile in violation of 15 U.S.C. 1681. I asked for the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the names of that individual, their business address, and telephone umber? This is my second request to have these unverified accounts removed if not send me the requested information. ( Via mail only )
Product: Credit reporting or other personal consumer reports

i pulled my credit report and i noticed inaccurate information on my credit report that violates my consumer rights. i also noticed unauthorized hard inquires that were not given my hand written consent to furnish anything on my credit report. 
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a dispute about a Collection/Charge off account from XXXX XXXX XXXX that is being reported on my credit report with unvalidated and inaccurate information. I informed Experian that this Collection/charge-off account with a past due balance of {$600.00} was never verified and I asked numerous times to send me signed proof that this collection is valid for {$600.00} also that the account status never changed its still reporting Account not disputed. I have sent numerous disputes thru certified mail /on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have to give Experian over 6 months to remove this unverified and inaccurate item that XXXX XXXX XXXX is reporting on my credit report. So as of today XX/XX/XXXX, this collection is still reporting on my credit report and I have never gotten a response from Experian. I will attach all the dispute letters regarding this inaccurate reporting and the certified mail receipts as proof of my very dedicated effort to get this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there several inaccuracies showing on my report? 

CITI BANK is in violation of U.C.C 1-308.4, HJR 192, 12 U.S.C 411 , U.C.C 3-603 , and U.C.C 3-311. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

Sent a letter about a month ago to XXXX, Equifax, and XXXX and in which it was supposed to be 4 business days uhm per 15 1681c-2 the items that were sent to the companys were supposed to be blocked also the items were sent was supposed to be removed
Product: Payday loan, title loan, personal loan, or advance loan

I revoked my ACH authorization to this company, and they continue to store my bank information and have now processed another payment. After having previously confirmed they revoked the ACH Authorization and there would be no more payment at withdraw.
Product: Credit card or prepaid card

This is the letter I wrote to my bank in response to the merchant : Account number ending in : XXXX Case number : XXXX It is difficult to respond to the merchant because the merchant has made no effort to investigate the return. The merchant has included a copy of the original online invoice. There is no dispute that an order was placed. 
The merchant has included proof of delivery. XXXX confirms that the billing, and shipping address match. Again, there is no dispute that an order was placed, and delivered. The issue at hand is that XXXX has made a simple transaction into an unnecessary ordeal. They have failed to issue a return for their product. One that was returned in a timely manner according to their own instructions, using their own carrier. 
I placed the order on XX/XX/XXXX. I have a XXXX, and decided to gift it for XXXX because there was free return shipping ( see image 1 ). 
I had contacted XXXX by phone to inquire about the return. I was told that I would receive an email if I could return the items. On XX/XX/XXXX I received an email from XXXX ( see image 2 ).  Shortly after I received an email from XXXX with the return label ( see image 3 ). 
There is no tracking information in this email. It is presumably because of the length of time that has passed. The tracking number on the label I printed out was : XXXX ( see image 4 ). This USPS return label ( in partnership with XXXX ) provides a tracking history that proves that the return was in the possession of USPS on  XX/XX/XXXX at XXXX XXXX. By XX/XX/XXXX it was picked up, and processed by the shipping agent ( see image 5 ). The date today is XX/XX/XXXX. There are no circumstances by which this sort of mishandling should be excused. 
There is definitive proof that the XXXX items were returned according to the merchants return policy. The fact is that when I had been in contact with XXXX, they showed zero initiative in assisting their customers, so I am incredibly disappointed. I will be sure to make note of my experience to the XXXX XXXX XXXX, and will resort to the Consumer Financial Protection Bureau if this issue is not resolved by the merchant, or the bank. 

Even though I had provided them with all the necessary information they did not issue me a credit because they sided with the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transworld Systems Inc. and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have identified several discrepancies and errors in my credit report that have been verified by the companies despite my attempts to dispute them. 

Regarding the Transworld Systems Inc. account, the status of the account is incorrect as it is marked as " open '' instead of " closed '' or " paid. '' Additionally, the original amount owed and the current balance are both listed as {$750.00}, despite the fact that it is not mine, and I have never had any business or financial relationship with XXXX XXXX. Additionally, I have not received any notice or communication regarding this debt before seeing it on my credit report. 

Regarding the XXXX account, the date of first delinquency is listed as XX/XX/2019, which is incorrect. The original creditor name is listed as " XXXX XXXX, '' which is also inaccurate. 

These discrepancies and errors have negatively impacted my credit score and have caused me financial harm. Despite my attempts to dispute these inaccuracies with Transworld Systems IncXXXX and XXXX, they have failed to correct the errors and continue to report inaccurate information. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these companies comply with the FCRA and the FDCPA and delete this account. Thank you for your attention to this matter.
Product: Credit card

I have a account from XXXX XXXXXX/XX/XXXX that was supposed to be removed from my credit report. The account was official closed/ charged off in XX/XX/2017. I have contacted Equifax to resolve this issue but its still showing negative on my credit report.
Product: Debt collection

Experian allows XXXX XXXX to report inconsistent information to XXXX, XXXX and Experian. Each credit report states different information which is in violation of my consumer rights per the FCRA. Please remove the information immediately since its not being reported accurately!
Product: Credit card or prepaid card

Back in XX/XX/2022 XXXX decided to close my account despite stellar payment history. When I called them the rep at the time said they decided to not do business with me any longer. I had the account for just on the nose of 6 months and it was my Fidelity Rewards which I loved. Losing a $ XXXX credit limit has negatively impacted me especially since I am in the process of purchase a new home. Recently as of last week XX/XX/2022, when I made another inquiry regarding this account, the reps couldn't see the reason at all why the account was closed in the first place and I was transferred XXXX different times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX 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 Section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a 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: Payday loan, title loan, or personal loan

I have had on going issues with Southern Finance-XXXX. This account was paid in full by two payments sent. I paid {$950.00} by cashiers check in XXXX, XXXX and paid {$84.00} on XX/XX/XXXX. The total amount of {$1000.00} was paid to close the loan. I have filed several disputes with XXXX, XXXX and XXXX. The company has recently reported on or around XXXX in the name of XXXX Credit- XXXX reporting a charge off unpaid profit and loss.
Product: Debt collection

I file a complaint with XXXX about SW Credit Systems because Systems SW Credit Systems added a debt of $ XXXX.to my credit reports without notice has caused me a denial of housing, this is not my debt. Southwest Credit Systems, LP, did not provide notice to me prior to reporting negative information to the credit reporting agencies. Because Southwest Credit Systems did not give me prior notification, I was denied the right to dispute the debt or verification of debt. 

Southwest Credit Systems, LP also reported on my credit report that I opened the account with them ( Southwest Credit Systems, LP ) on XX/XX/XXXX. This is not true, I never opened account with SWCS, LP. I have no knowledge of nor am I aware of such business transactions with this company Southwest Credit Systems, LP or the company they represent ( XXXX ). 

By Southwest Credit Systems adding the debt of {$840.00} to my credit reports without notice has caused me a denial of housing and credit. By SW Credit Systems, LP adding / reporting a debt of {$840.00} and not notifying me prior to reporting to the credit reporting agencies is SWCS, LP for me to pay a debt that is not mine. I also sent a certified letter # XXXX to Southwest to remove the debt b/c it was not mine. During that time SW Credit reported the debt to XXXX and XXXX, after numerous back and forth between Southwest Credit Systems and the XXXX, Southwest removed it from my XXXX and XXXX reports at the time of SWC reported the debt it was not reported on my XXXX. On XXXX/XXXX/XXXX Southwest Credit they would cease and desist all contact regarding this matter on I got an alert that on XX/XX/XXXX Southwest reported to XXXX the same debt of {$840.00}. Also, I was in such in a dire to move from current resident I offered to pay {$250.00} so I could obtain housing. This offer was not a settlement but an agreement that they would remove this debt or report paid in full as agreed so I could obtain housing. SWC did not provide validation of this debt belonging to me. This has been on-going with Southwest Credit System since XX/XX/XXXX, as I have stated to Southwest, this is not my debt. I have no knowledge of this I only offered to pay {$250.00}. b/c I was in need of immediate housing and I am un-employed. This was an offer, not a settlement only to get housing that is the only reason I offered the payment of {$250.00}. for this debt that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize or authorize these inquiries.

pursuant to 28 USC 1746 ( 1 ) I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/2021. 
XXXX XXXX
Product: Debt collection

Reference number XXXX. I received a written communication in the mails from Credit Control , LLC on XX/XX/2022. Pursuant to 15 USC 1692c, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any alleged debt. Also, on the communication, Credit Control , LLC failed to state that it was attempting to collect a debt which is a violation of 15 USC 1692e.
Product: Credit reporting or other personal consumer reports

I reviewed my report and noticed some accounts that were not reported accurately that was paid on time. The consumer reporting agencies need to report all information accurately. This account has never been late and i've attached a copy of my report to this compliant. I'm asking that you investigate and provide verifiable proof with records showing that this account has late payments that are accurate. If this information cant be verified please remove from my report immediately. Thanks for you understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife had 2 accounts with XXXX and closed both accounts and they were reported as closed and paid on time. However, on my XXXX and Transunion it is showing a 30 day late that never happened. I am attaching my XXXX that shows it paid ontime/closed and then my wifes reports showing no late payments ever. I was an authorized user and have been told that it has to go through the main person, however her reports are accurate so no dispute can be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$460.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

XXXX XXXX XXXX Balance {$460.00} ;
Product: Debt collection

Arm Solutions, Inc has billed XXXX XXXX for collecting money allegedly owed to the XXXX XXXX XXXX for newspaper. Mrs. XXXX is XXXX years old and legally XXXX. I contacted the XXXX  XXXX XXXX and spoke with a customer service representative who agreed to remove the debt. I then called ARM Solutions and spoke first with a representative, then with a supervisor. I advised them that the XXXX   XXXX XXXX was removing the debt. I also advised them that as Mrs. XXXX XXXX attorney, they are to cease contacting her and send any further correspondence to me as prescribed by the Federal Fair Debt Collection Act. They refused to even take my name, address and phone number according to their internal practices. If they continue I will take appropriate action, but I believe that company deserves this complaint. 
Mrs. XXXX address is XXXX XXXX XXXX AXXXX XXXX, XXXX XXXX, MO XXXX. My contact information is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Arm solutions contact ins XXXX XXXX XXXX, XXXX, CA XXXX, phone XXXX - collection account number XXXX XXXX XXXX. ARM solutions refused to provide contact information to me regarding its legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and verified that there is an account being reported incorrectly. I was never late and I am not aware where that late payment come from. This definitely is a billing error and should be corrected. Under US Code 1666B. Below is the account appearing to have late payment : XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am putting forward this complaint as to make sure that these REMAINING fraudulent inquiries in my Experian Credit Report. I am please that ONLY 6 remained in the inquiries that I needed removed. So I am expecting that the Experian Bureau to REMOVE these remaining inquiries from my credit file within 15 days time : EXPERIAN : 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : {$5200.00}
Product: Credit reporting or other personal consumer reports

The following hard inquiries are a result of identity theft. I want these hard inquiries removed from my consumer report.