23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Money and dates on online banking didn't seem right. Looked like money missing. I'm going to have to go through it myself to check. Fraud department helped a lot in beginning then when low or out of funds the customer service level dropped and stopped properly filing claims. Filed a claim around XXXX XXXX that didn't show up a few days later. Disputed XXXXXXXX XXXX XXXX and another. I need to obtain a printout of all months. Was receiving a balance alert of {$0.00} for a month and called to file a claim and was told account was closed even though it was at XXXX for a long time still receiving emails. I filed the claim for around {$400.00}. I received 4 letters in the mail XX/XX/18 one stating I would be awarded XXXX then one saying I passed a time limit to file a claim and denied all {$400.00}. I spoke with the fraud department and they refused to send in writing this time limit. I don't believe them and having a time limit makes no sense. I explained I paid the wrong company so they were fraudulent charges but still didn't change their mind. Refused to give employee ID numbers.
Product: Student loan

was getting mortgage to buy a home. loan from navient showed up on credit report. 
says i owe XXXX dollars. they said it was for when i went to XXXX collage in 2005. 
i sent paper work to them showing i did not go there. was then taken off my credit reportwith not that is was not my loan.then when we went to close on house it was back on reportso my mortgage was canceled and didnot close on house.sent paper to navent show that it was removed from credit report and ask how this happened. it now says dispute is resolved and customer does not agree on my credit report. this is all messed up and should be gone. this loan was also listed on my bankruptcy and have been told that since it is a private loan it should have been discharged
Product: Debt collection

With USAAs history of banking, and the fair credit reporting act provided, I did not expect the notification for payment attached, The debt would be paid and would not have incurred, had the auto claim been dispersed to checking as XXXX XXXX stated in XXXX. 

A fraud investigation is necessary to resolve the issues in a professional manner. Thank you. 

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

I previously sent proof of an identity theft to all credit reporting agencies and also received word from XXXX XXXX that they were contacting XXXX, XXXX, and XXXX  to let them know that ai closed my account in good standing yet XXXX and XXXX  refuse to remove items that ARE NOT MINE AND ARE NOT DEROGATORY!!
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. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical bill that is not mine and I want it off my credit report. They never received my permission to get medical help to whoever they gave it too. Not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX # XXXX ), ( XXXX XXXX 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 # XXXX ) ( XXXX # XXXX ) ( XXXX XXXX XXXX  # XXXX ) ( XXXX # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) ( XXXX # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I have notified lendmark several times that I am in school and I will work with them on my payments. They continue to call my grandmother and told her the debt I had and what they were looking for. They are not allowed to share my information with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my social security number is XXXX date of birth XXXX XXXX XXXX. .my complaint is that Experian fraud dept supposed to block the three negitive accounts from XXXX  XXXX that are fraud. I submitted police report. They told me obce they have police report. They can block those 3 negative accounts from XXXX  XXXX from not showing on my credit report. I call them yesterday and they told me that they have police report on file. My complaint is that they didn't block the three negitive accounts yet. Can you please have Experian block these fraudulent items thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - sent dispute letters certified USPS mail to XXXX, Equifax and XXXX. These letters pinpointed multiple inaccuracies that each of the credit bureaus were displaying and I asked that these accounts be removed from my credit report. 

XX/XX/year>- XXXX responded with an invalid " we have not taken any action on your request '' and accused me of not being me. In the letter I mailed to them, I attached a copy of my California Drivers License and a valid proof of address, which abides by their list on XXXX 's website of providing verification. 

XX/XX/year>- XXXX responded with a long list of their " supposed '' investigation results. They did not provide who they verified this information with and the dispute request I sent in was against the accuracy and fairness of what they were publishing. They just responded that everything I disputed, was verified which is not what I asked for. I pinpointed reporting items that are inaccurate and in violation of the Fair Credit Reporting Act. 

XXXXXXXX XXXX XXXX Equifax - provided 0 response to my certified letter.

All 3 companies violated my right to a 30 day investigation into the 100 % accuracy of the reportability of items they publish under my social. None of them provided resolution to the inaccuracies that are still on my credit report.
Product: Credit reporting or other personal consumer reports

My credit report shows hard inquiries that I didn't initiate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( Late/Open : XXXX XXXX XXXX  XXXX Balance Owed : {$490.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : ACCOUNTS RECEIVABLE XXXXXXXX XXXXXXXX- XXXX XXXX XXXX XXXX
Product: Student loan

I attended a for XXXX XXXX that is now being considered a XXXX XXXX and loans are being dismissed under the XXXX XXXX XXXXXXXX class action lawsuit. Do to most of my loans being held by Navient these loans do not qualify to be dismissed because they are private loans. I graduated 15 years ago and I am still paying on my private loans with no end it site due to the outrages interest rates. My interest on my private loans are now higher then the original loan balance. I am also aware that Navient has contacted people with Navient serviced XXXXXXXX XXXX from these XXXX XXXX with an application to discharge their private loans. I have requested that I also be sent an application as my school is part of this list, however I have not received any communication regarding my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a FTC report along with a copy of my identification card and social security card. I called on XX/XX/2021 to see why i haven't received updated documents. I was informed that they never received my documents although they were certified and I explained that the receipt states it was delivered on XX/XX/2021. They still stated they do not have the documents and that I should resend them by mail again. They also stated that they didn't receive any documents from me since XXXX. Ok on XX/XX/2021 I resent the documents again by certified mail. The delivery date shows it was delivered certified on XX/XX/2021. I called today XX/XX/2021 to only be told ( by a SUPERVISOR ) that my documents still weren't receive and to the only thing I can do is resend them via mail. This company is playing with my credit profile but are also contributing to the identity theft that is already happening to me. How can a company be so careless with people important information. They constantly keep telling me that the documents weren't received, but I have the proof that they are being delivered to the correct address. So how exactly aren't you guys receiving these documents. If you aren't receiving them then who are? I feel that this company is being malicious and are not adhering to the FTC rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.
Product: Credit card or prepaid card

I downloaded the capital one shopping application, signed up for the rewards program, used the program/app to search for 2 items, and used the app through which I purchased the 2 items. The app promised 35 % back in rewards, see attachment of one of the items. I made the purchase through the app in the amount of {$750.00}, see attachment and would like the {$260.00} in rewards I was promised via the app. 

My issue is that I could have purchased the 2 items directly from the manufacturer who was having a 25 % off sale but, I chose to purchase the items at full price through Capital One Shopping due to the 35 % rewards offer. 

Now, Capital One is refusing to honor its offer and not crediting my account the 35 % which they advertised. I have been trying to resolve this issue since XX/XX/2022. I have been communicating with XXXX and XXXX of Capital One shopping for almost 3 weeks and they can not find any record of the transaction. Whether this is an internal glitch with the Cap One shopping app or malicious dishonesty and fraud is not my concern. My main issue is that these 2 items were purchased as gift, which have already been given. If I could, I would return the items and repurchase them at a lower price from the manufacturer but, that is no longer an option because the items have already been given as gifts. I am requesting that you hold Capital One accountable to their advertisement/offer and have them provide me with the 35 % in rewards, per the agreement- which comes out to be {$260.00}. 

I completed a transaction for {$750.00} with the Capital One Shopping application on my XXXX. Attached, please find a copy of the transaction confirmation in the Cap One Shopping app. Please note the 35 % tag in the top right part of the screen, the amount of the transaction, and the email I used as the username for the account. Capital One I didnt have any ad-blockers turned on and I have sent Cap One a screenshot of the transaction from their application showing that the transaction was completed and their 35 % rewards note at the top of the page. 

It's right there in black and white, evidence of the transaction in Capital One 's app and they still won't honor their rewards offer? Capital One spends millions of dollars advertising for new client acquisitions but, uses dishonest and deceptive practices for client retention. As I mentioned before, I'm just trying to get the rewards I was promised on their application which I used to purchase a {$750.00} gift at full price at XXXX XXXX ( through their application ) instead of purchasing the same items at a 25 % off sale on the manufacturer 's website. Their application has cost me money and I will continue with this matter until it is resolved. If you are unable to help me resolve this issue, please give me the contact information for someone who can.
Product: Debt collection

This card was charged off years ago and sent to collections. Before the card was charged off I pleaded with the company to lower my interest rates for a few months so that I could make minimum payments and they refused to help me in any way. I had suffered severe medical injuries and was in financial distress. After not being able to make payments for a short while I started to receive calls upwards of 5-6 times a day! They would call from different numbers and start calling at XXXX and not stop calling until XXXX! I advised them to stop but they would not. They continue to call me to this day! This card also went through a company change while I had it which resulted in problems in communication as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  approval to run my credit 1 ( one ) time. They ran it 4 times within a month, including 2 ( twice ) in a single day. None of these were authorized by me. Only the first one, not the following 3 times. This dropped my credit score drastically.
Product: Credit reporting

On XXXX XXXX, 2015, Experian charged my XXXX XXXX credit card {$59.00} for credit motoring which did not order. They got credit card information from last year when I purchased to view my credit score. I call and disputed the charge on XXXX/XXXX/2015 and they only returned {$29.00} on XXXX/XXXX/2015. 
I would like Experian to returned the full amount. 
Thanks in advance
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX  " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Legal Grounds ( Fair Credit Reporting Act, FCRA ) : 1. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

2. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

3. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

4. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

5. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft.

Additional Legal Support : The cases Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX
Product: Debt collection

This company I.C System which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding phone bills that I possess, and I am seeking the name and address of the company to which I owe the debt and a detailed breakdown of the fees that I owe. * Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, and Experian credit reporting bureaus incorrectly reported US of The Treasury Account as Delinquent. When XXXX Reinvestigation results shows Not Currently Reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union 's call centers are closed on weekends and evenings. They only allow consumers to report discrepancies between their TU 's regional working hours with unfair regard for consumer location and schedules for work. Unfair to he most vulnerable and the least sophisticated consumer.
Product: Credit reporting or other personal consumer reports

Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or initiate these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I am requesting their removal within 15 days. I have included the necessary documents for your review and reference.
Product: Mortgage

I have contacted the mortgage company numerous times over the past year regarding the status of my escrow refund, with the most recent calls made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite my efforts, I have not received the escrow account refund of {$3300.00} for my loan, which was paid in full on XX/XX/XXXX. As of XX/XX/XXXX, their phone system no longer allows me to speak to an agent, as my loan number and Social Security number are not recognized by their XXXX system. 

I simply request to be refunded the money owed to me from my escrow account. That is the expected and fair resolution to this matter.
Product: Debt collection

recently my check was garnished and I was not informed of debt. I contacted the place garnishing my wages along with the " law firm '' neither will provide me with information or verification of the debt. I am currently food stamp eligible, informed them of this fact and they still will not stop the garnishments. They stated that I was served papers XX/XX/XXXX, but I never received any papers and have not signed for any papers. This is debt that was acquired in 2002.
Product: Debt collection

I have been repeatedly called by XXXX XXXX. regarding a debt that they say I owe to U.S Bank on an account they say was opened on XX/XX/2006. XXXX states that I owe {$1600.00}. I have told them each time they call me that I do not owe them or U.S. Bank anything, that I am on XXXX XXXX and that I will not pay them a dime on a debt that I do not owe. XXXX representatives have bullied me, threatened me, stated they will sue me, and refuse to cease and desist calling my telephone. I have checked my credit reports with 3 different credit bureaus at least once a year since XX/XX/2006 and there has never been an account with U.S Bank shown as in collection or delinquent on any of them. Frankly, I am tired of this company 's threats. Today, I finally told their representative that if they believe they can sue me for a debt that I do not owe, they should do so and stop calling me. The XXXX rep did her best to scare and intimidate me and has repeatedly lied to try to get me to pay a debt that I am not responsible for paying. I want it to stop!
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccurate information that is currently reported on my credit file. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), it is mandated that credit bureaus confirm the accuracy of the information they report within the legally allowed time range. The following accounts on my credit report are inaccurately reported, and I request an immediate investigation and correction of these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX