23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was looking for tickets to the XXXX XXXX concert in XXXX in XXXX of 2023. The tickets were sold out so I looked through social media platforms. Someone found me sent proof of the tickets and we discussed payment and decided on a {$100.00} through zelle, they swore on their kids lives then took my money. I contacted and sent screenshots of the scam to XXXX XXXX XXXX XXXX ( my bank ) that day and told them to cancel the transaction and they said there was nothing they could do, even though I caught the scam before the payment processed.
Product: Credit reporting

On  XXXX   XXXX ,  XXXX  I received a notification from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX   XXXX  that I had a hard inquiry from Capital  One cre dit card company. I filed a dispute through   XXXX   and was told it was sent through   XXXX  .   XXXX    in formed me that I would need to send separate notification to th e two  other bureaus  XXXX  and  XXXX . They provided letters to send to each. Here is what it said :   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX    XXXX   XXXX , GA  XXXX  To Who m It May Conc ern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file.    CAP ONE   XXXX / XXXX / XXXX  ( INQUIRY ) Once the fraudulent information has been removed, please send me a copy of my corrected credit report. If you have any questions I can be reached at  XXXX   XXXX   XXXX   XXXX . I look forward to hearing from you soon.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  SSN :  XXXX   DOB  :  XXXX / XXXX / XXXX  I was informed to wait 90 days to see the inquiry removed off of my credit. When 90 days passed and nothing changed on my credit report, I called    XXXX    and they told me I would need written confirmation fro m  Capitol One t hat  I did no have a line of credit open with them. In  XXXX  of  XXXX  I   called Capitol one  and spoke with a representative about this issue. After getting my perso nal information I was informed that I would be getting a letter within 60 days. I never received a letter f rom Capitol One and the hard inquiry is still appearing on all three credit bureaus reports. I unfortunately, do not have th e employee ID number from the call wi th Capitol One. Now, I am stil l wanting this removed from my credit since on  XXXX / XXXX / XXXX  report #  XXXX  verifies that this inquiry was not me and this was fraud. IF any additional documents are needed please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters trying to remove the late history and my hard inquiry and as I was going over 15 usc 1681 that it is illegal to report it
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies didn't make sure it was 100 percent correct. 

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

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

As a consumer, I request to know all the steps the 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

This is in regards to my XXXX credit card. I payed this account in full as of XXXX XX/XX/XXXX. I disputed the account information on XXXX XX/XX/XXXX that the account had not been updated since XX/XX/XXXX and that the balance and payment information was not up to date. On XXXX XX/XX/XXXX the information was updated as accurate to trans union. Payment date information and balance on this account as of right now at this time still showing a balance of XXXX when in reality is XXXX. The account as XXXX XX/XX/XXXX after several attempts to resolve the problem it is still not being reported as it stands.
Product: Credit card or prepaid card

I bought a mattress at a promotional rate of 0 % interest from JC Penney. My first payment was {$500.00} to assure I paid it off before my promo rate expires. I pay $ XXXX and have never missed a payment. I made a purchase for {$96.00} on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I paid {$27.00} each time to cover the {$54.00} to take care of the promotional balance and meet my existing commitment. On XX/XX/XXXX I paid XXXX to pay off my non promo balance to make sure I dont get charged interest : I even called to make sure funds were allocated appropriately and JC Penney refuses to allocate money to the non promo balance. All money I send to them goes to my 0 % promotional balance so they can collect finance charges. They sent me a letter saying this is in violation of federal regulations but they wont fix the issue. they continue to charge me finance charges and my non promo balance is only going up not going down. Please help me resolve this issue as if they wont let me pay off this non promo balance it will only balloon in interest charges.
Product: Payday loan, title loan, personal loan, or advance loan

Navy Federal charged interest fees that they did not earn.I made several payments in larger amounts and I was still owed the same amount of interest as if I never paid at all. My loan was paid off and they are still requiring me to make the last payment. I can no longer see my transaction history but I consistently paid XXXX per month, about XXXX above my payment amount .I called several times asking for amortization schedule but never received it and I also asked that my additional payment be applied to my principle. even though I paid additional it was applied to interest instead of principle. I believe that I am owed money on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer. 

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.
Product: Credit reporting or other personal consumer reports

I sent a bureaus letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Re : Dispute of Credit Report Information and Notice of Civil Liability Subject : 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Dear XXXX XXXX, I am writing to formally dispute the inaccurate information contained in my credit report, which I obtained from your bureau. As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I am notifying you of your potential civil liability for negligent noncompliance in failing to correct or investigate this erroneous information in a timely and accurate manner. 

The Inaccurate information on my credit report includes the following : [ XXXX XXXX  ] Account Number : XXXX Issue : multiple inaccuracies on report as well as never received verification of debt in writing as requested. 
Jefferson Capital Systems LLC. 
Account Number : XXXX Issue : [ explain the issue with the account or reporting ] I have requested multiple times for the original contract and terms of the original contract and they will not provide me with the contract terms they are stating I own. Both XXXX XXXX  and Jefferson Capital have not given me the original contracts that were signed. Jefferson Capital only provides me with a portion about arbitration but not the original terms and conditions of the contract and are now trying to sue me civilly in court even though their arbitration clause states no jury or courts shall decide the case. They are trying to make me pay to arbitration yet they are the ones who filled the claim in civil court. Yet the arbitration states whether you and we as the card holder to bank I demand this be removed and dropped from court proceedings in XXXX XXXX va as they have not produced the original contract and the amount owed from a date prior after a payment shows a lower amount. This is fraud and I demand compensation from Jefferson Capital as well as deletion from credit report and court case. 

Under 15 U.S.C. 1681o, a credit reporting agency has an obligation to maintain accurate records and to investigate any consumer disputes. The failure to perform an investigation, or the negligent failure to correct inaccuracies after being notified, subjects you to civil liability. This negligence has harmed my credit standing and may result in damages, including but not limited to emotional distress, reputational harm, and potential financial losses. 

In accordance with the law, I am requesting that you investigate these inaccuracies within 30 days and provide me with a written response regarding the actions taken. Should you fail to address this dispute in compliance with the Fair Credit Reporting Act, you will be liable for damages under 15 U.S.C. 1681o. 

Please provide written confirmation that my dispute has been acknowledged and that an investigation is underway. Should you find that the information is indeed inaccurate, I request that it be corrected or removed from my credit report promptly. 

I appreciate your attention to this matter and expect a timely resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I have never done business with this company, my information was part of a data breach which caused people to have access to my personal information. XXXX XXXX XXXX, XX/XX/XXXX, {$17000.00}. 
CREDIT COLLECTION SERV XX/XX/XXXX {$410.00}
Product: Credit reporting or other personal consumer reports

You were notified in a letter dated XX/XX/year>, that there were XXXX accounts on my credit report that list the Department XXXX XXXX as the creditor, but I have not had anything in collections. Also, how are you reporting these accounts without an open date? This is a violation of the FCRA. Furthermore, you are reporting these accounts as collections, but there are no original creditors listed in order to verify this debt. XXXX and XXXX have since deleted these accounts. I am currently pending litigation seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the XXXX accounts. Remove the following accounts from my credit report : XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have identified several inaccurate charge-offs on my credit report that do not belong to me. Furthermore, I have not received a Form 1099-C from any of these companies, which would serve as confirmation that these debts are not mine. To resolve this issue, I have proactively reached out to each of the companies associated with these charge-offs, as well as all three major credit bureaus, to dispute these inaccuracies. Additionally, I have encountered situations where some of my disputes were denied, yet I did not receive any explanation or reasoning behind those decisions. This lack of communication is frustrating and makes it difficult for me to address the inaccuracies on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX reward card with Barclays is being unfair with my credit report I have communicate with them on so many different levels but nothing was done
Product: Credit reporting, credit repair services, or other personal consumer reports

I DIDN'T AUTHORIZE THIS INQUIRES ; XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/2019 Automotive ( XXXX ) XXXX   XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2019 Real Estate and Public Accommodations XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly seek your assistance in correcting my personal information. I have clearly outlined all necessary corrections in my letters to each credit bureau, and I have attached proof of the inaccuracies in my records. This correction is crucial to me due to the presence of derogatory and negative accounts on my credit report that I find misleading and incorrect. I urgently request these to be validated and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Also known as XXXX also know as XXXX XXXX XXXX XXXX creditor 15 U.S.C Sec 1681i ( a ) FCRA law has been violated Every creditor and credit bureau is obligated to report complete and accurate information to the bureau each one of the report bureau reflect different information which we make the report inaccurate and incomplete which violates 15 U.S.C Sec 1681i ( a ) XXXX XXXX TransUnion reports open on TransUnion Charged off on XXXX and XXXX All of this information is incomplete and inaccurate you can not report this information to the bureau like this it violates the law listed above nor can u report one account multiple times via different collect names all the the account reflect the same or similar open dates and balances and limits this is incomplete and inaccurate and violates multiple of the FCRA laws 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. You guys did not fully complete an investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes with XXXX, Equifax, and XXXX about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my Chase Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified letter to XXXX credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA XXXX reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to XXXX in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. XXXX failed to provide this information which is a violation of the FCRA. On OXX/XX/XXXX, I contacted XXXX via phone and requested once again the method of verification in response to XXXX 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking XXXX to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX7, I received another credit report from XXXX ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. XXXX did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to XXXX, any automated response or e-ocar verification is unacceptable. XXXX must provide documents bearing my signature that the debt is valid. As of the writing of this complaint XXXX has failed to respond to my request. Thus,, XXXX is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.
Product: Bank account or service

I got divorced and just wanted my wife 's name off the mortgage. It was the mortgage I took out in XX/XX/XXXX. The exwife signed a quit claim. Bank of America told me that I needed to apply for a new mortgage in the Assumptions Department. I did and was XXXX refused a mortqage I already have been successfully paying. I demand a full refund of my amount of payment for the mortgage application to the Assumption Department. This process started in XXXX XXXX. It has gone on and on due to a slow bureaucracy inside Bank of America. How slow? XXXX letter from BAC demanded information or threatened denial of a mortgage if new information was not provided promptly. The letter was dated, for example, XXXX XXXX, XXXX but was postmarked from the same office a complete one week period later on XXXX XXXX, XXXX!!! Thus the letter did not arrive until two days before the " due date '' for the newly requested information. I was passed from one loan handler to another. I would like to list their names here. 
Now a complaint about this very website : underneath this webpage asks for a type of bank service, and no where is " MORTGAGE '' listed. 
I am picking the XXXX option, advising you now, I mean " mortgage problem '' by picking the XXXX option below.
Product: Credit reporting or other personal consumer reports

I rented a car with XXXX XXXX XXXX  2023 at RDU. When I arrived, they told me it would be an upgrade to get a gas car instead of an electric vehicle. ( Problem # XXXX ) I was forced to upgrade because we were heading to the XXXX XXXX  and did not know if there would be electric charging stations along the way. Then on XX/XX/XXXX, we drove from XXXX to the XXXX XXXX, and the car 's AC froze up about an hour and a half from our destination with an XXXX XXXX XXXX and a teenager in the car ( Problem # XXXX ). The temp was over XXXX degrees. I could n't drive the car until we got the AC fixed because it was swelteringly hot, but the company said that we would have to either get it fixed locally at an approved place or drive it back to XXXX and exchange it, XXXX hours away. So, we made an appointment and got the AC fixed ( XXXX case XXXX ). I did not think it was fair to bill me for a car that I could not drive until we got it repaired on XXXX, which also took a good portion of my day because it was a cluster to get XXXX to pay the vendor. I filed a complaint when I got back and was never contacted again, except they sent me more bills and a nasty letter stating that they were going to ding my credit. If they had called or corresponded, I we might have been able to work something out, partial pay or whatever. So, I contacted XXXX XXXX and debated the charge and they took it off my bill, agreeing that I should not have had to pay. Now, XXXX dinged my credit report but they never reached out to me or responded on the complaint I filed with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX 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 : States a consumer reporting agency, can not furnish an account without my written permission.