23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602A states I have the right to privacy 15U.S.C 1681 section 602A section 2 : it also s a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681 ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information any and 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 16812 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I received a pre-approved credit card offer through Capital One. After applying, I received an adverse action letter, dated XX/XX/2022. I sent Capital One a reconsideration letter and again received an adverse action letter, dated XX/XX/2022. 
Capital One based a decision on false, vague, misrepresented and misleading information through the use of algorithms by XXXX. The reasons for the decision are not accurate and or not specific. 
It is a violation of the ECOA and Regulation B for a creditor to use algorithms if doing so makes a creditor unable to provide specific and accurate reasons for the adverse action. 
I, the consumer, the original, alive and natural person, was discriminated against for exercising my right, in good faith, to credit under the Consumer Credit Protection Act. 
Capital One violated 15 USC 1691 ( a ) ( 3 ) Capital One is subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Capital One due to the response I received.

Capital One is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, in good faith, filed an application for a pre-approved credit card with Capital One, but credit was not issued. 
Capital One is also in violation of 15 USC 1602p unauthorized use of a credit card because my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity on behalf of Capital One.
Product: Checking or savings account

I deposited a check of the amount of {$2700.00} on XX/XX/2021. The check is the return amount for an apartment rental security deposit. The check is paid to three payees : myself, my wife, and a friend of mine who was a guarantor. Citibank has block my account without informing me via phone nor email. I am traveling abroad and it has been more than a month since they block my account. I contacted Citibank and they asked me to send a notarized letter with copies of the payees ' ids ; I did so but they said they have not received the mail yet which was delivered on XX/XX/XXXX according to the mail carrier tracking. However, the notarized letter was sent later in person at a Citibank branch in XXXX XXXX XXXX but the account has not been unblocked yet. Currently, I have overdue bills and payments and I have been charged with interests and Citibank is not helping me to overcome these difficulties. I called them many times and everytime they tell me I have to wait. Note that I call them overseas and it costs me a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company XXXX XXXX XXXX XXXX just appeared on my credit report. I disputed this error and requested a copy of the original contract and proof of assignment since I never received any type of notice of the debt or how to dispute. The company sent a typed letter and some kind of ledger ( which is not a contract between myself and said company nor is it the proof of assignment ) I never received my debt validation letter or my XXXX  days to dispute the validity of the debt after receiving said debt validation letter from XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included a screenshot inside the complaint in on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand I demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/2020 to two of the credit bureaus about inaccuracies on my credit report. It should on one report account open and on another the account was closed which is inaccurate information. I also show that the collection agency XXXX was report for the creditor XXXX XXXX XXXX now that I have filed a dispute the creditor has changed from XXXX to XXXX XXXX XXXX XXXX because it was reporting in accurate information on my credit file. I dont think this is right as a consumer you have the right to file a dispute on inaccurate information and it should be be deleted once the dispute was looked at I have proof that the creditor was using a collection agency but not the information has changed this is inaccurate and should be removed from my credit report. See attachment of the information I am claiming to be factual.
Product: Credit card

On XX/XX/XXXX, I purchased 4 tickets to a show from XXXX, not knowing that I was being transferred to this website to fulfill my transaction.

After securing my tickets, I quickly realized that I purchased 3 tickets and not 4. I immediately emailed and chatted with XXXX and they stated all sales are final, even though ; I never received the service, emailed within minutes of me finalizing my order and how there refund policy is not listed prior to you executing the transaction, which is fraud and a scam. 

I need my {$410.00} back. I disputed this through my Apple Card.
Product: Student loan

I am currently making additional payments towards my students loans each month as I am able ( my payments are currently being subsidized by my employer ). As such, I would like my overpayments to be credited to my principal amount. I currently owe more than I borrowed due to runaway interest even though I continue to make payments, so I assumed that I could pay down my principal as long as my account is current as with any other type of loan. The fact that I am not able to do so for my student loans is incredibly predatory, as I will never make it out of debt at this rate even though I am on a certified repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX kickoff, has violated my rights. 

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 any purpose.
Product: Debt collection

Rgs financial sent me a letter stating that i owed them {$210.00} dollars on an account from XXXX XXXX. I have disputed this debt directly with rgs financial as well as contacting the original creditor ( XXXX ). XXXX states that i have a XXXX balance with them and do not owe any money. XXXX is still continuing to collect on an account that i do not owe.
Product: Student loan

I have some student loans with 2 companies, Navient and XXXX XXXX XXXX. 

Navient I have 3 loans. 
2 XXXX XXXX 1 XXXX Unsubsidized After going through a rehabilitation process on all 3 loans the debt was transferred to Navient on XX/XX/XXXX where I started making monthly payments. 
When COVID happened I continued to make any payments I could and between XX/XX/XXXX and XXXX XXXX I paid {$780.00}. I just found out at the end of XXXX that all my payments, even those made before XXXX, were all used to cover accrued interest. 

So during this entire time my payments have not had any portion going to current principle but 100 % of the payments have been credited to outstanding accrued interest. When my balance was transferred to Navient the amount was {$18000.00} and now, according to their website, my current balance is {$21000.00}. 

This is a way to keep people paying student loans for the rest of their lives. How is this even acceptable to those who have been trying to make payments and work to improve their situation? 

The situation with XXXX XXXX XXXX is completely different. 
I had 2 student loans with them. 
1 XXXX XXXX 1 XXXX XXXX I paid off the Unsubsidized in XX/XX/XXXX in order to continue to improve my financial situation and pay back my obligation. 
I am currently making monthly payments to the other loan and payments are all being credited to principal balance and interest, like any loan should be.
Product: Checking or savings account

Truist Bank notified me that a business account was charged off in my name. I never opened this account. I live in Michigan and we dont even have Truist. This account is fraud. My SSN is XXXX and my EIN is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my own behalf. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened and reflecting on my personal credit reports. The accounts are as follows : Accounts : 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 I am requesting that all the listed accounts and inquiries be removed immediately
Product: Debt collection

XXXX XXXX XXXX did not provide adequate information about debt owed. They also sent debt to a collection agency who has been threatening and harassing me with voicemails and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised that on [ Dates listed below ], My consumer report was obtained without my authorization or permissible purpose under the FCRA. 15 U.S. Code 1681b. 


[ XX/XX/2021, XXXX XXXX  XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX  ] [ XX/XX/2021, XXXX ] Promptly delete the unauthorized inquiries.
Product: Student loan

I have private student loans with navient and XXXX when I applied for them they never were upfront with me on fees, payment plans, and how many loans I exactly had with them. 
I know am over XXXX dollars in debt with them and am required to pay close to {$900.00} a month in payments to them. I only work on call and do n't make this kind of money they are not willing to work with me on this matter and are very rude. please help me.
Product: Credit card or prepaid card

I owned a BJ master card for a long time, and all of a sudden it sold to Capital One. 
Now while I hadn't received my card yet, I start receiving call from Capital one to ask my provide ID, SSN, address verification. 

I submitted all the information and after two weeks they get back to me said my address is not matching the address on profile. 

In which I told the representative that the address on their profile is a business address, where I don't have personal name on the utility or bank statement. I was asking them if I can provide my other credit card statement with my name and address, they said no. 

Then I ask if I can use a bank letter with my name, business address, business name on it along with my business bank statement include business name and address to do the verification, and they simply said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by a man saying he represents XXXX XXXX XXXX. He informed me this was in regards to a credit card I got when I was around XXXX XXXX XXXX. I am XXXX XXXX XXXX now. They threatened to sue me for XXXX plus dollars, when the original amount of the card was XXXX. After looking into the statue of limitations, I found information alluding to XXXX years for a credit card. I attempted to resolve this by offering a lower amount to do the right thing, but they refuse to send me any actual paperwork proving the credit card debt. He stated his boss XXXX XXXX would have a sheriff find me and would see me in court. I'm not sure if this is a scammed or not, after researching the name XXXX XXXX XXXX, alot of scammed information was found. I do remember getting a credit card when I was younger, buy they canceled the card and added a whole bunch of fees that I didn't feel was right. I have lived at my current address for over XXXX years and have never received a letter from them stating I own them anything. I have checked my credit report and made attempts to pay all my past accounts to do the right thing, but this I feel is possibly a scam. Or at least past the statue of limitations.
Product: Credit reporting or other personal consumer reports

transunion took nearly three months as i submitted a complaint in XXXX and now in XXXX i got an email saying nothing was changed. its ruining my chance of getting a car, an apartment, or new lines of credit to allow me to escape poverty after lossing my job from covid
Product: Credit card or prepaid card

On XX/XX/XXXX, I sent a payment for {$95.00} on my cashapp to the wrong person then right after sent it to the right person. I then requested a refund from the wrong person I sent it to and have not yet gotten my refund. Ive been chatting with Cashapp support regarding this issue and they are asking me for information that I have given them about the person that I was suppose to send it to. I asked the person for the information I needed and have given it to cashapp support and theyre still saying that they cant verify the information Ive given to them and keep requesting the same information I gave them. They are refusing to move on with my refund request and requesting the same information I gave them. I just need cashapp to refund my {$95.00} for the misdirected payment at this point it is really starting to frustrate me. Just give better customer service and simply give me my refund. I am attaching documents showing the payment sent to the wrong person and the refund requested and also the payment sent to the correct person. Also the screenshots of my conversation with cashapp customer service is attached.
Product: Credit card

I received an American Express rewards card for {$500.00} which expired six months from the time of receipt. I used up the balance before the card expired. Several months after its expiration, I had to return an item I had purchased with the card to XXXX. I requested an XXXX credit but they mistakenly sent a refund to the expired card. Since the card was no longer valid, this should have been bounced back to XXXX but somehow it went through. I contacted XXXX and they are not able to get the money back from AE. I have since called the company on nine different occasions asking to have the money returned to me. They repeat that balances left on the card at expiration are forfeited, only this is not the case here. When I explain this to them, they tell me that they are escalating the issue to another department and will be in contact with me but in the month that I have been trying to resolve this, they have never contacted me.
Product: Credit reporting or other personal consumer reports

Balance should be XXXX as it was charged off. 
Company continues to report charge off every single month. Be doing so, it unlawfully extends the statute of limitations of last reported use as well as impacting my credit XXXX as a new charge off every single month and lowers my score compounded every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to Equifax in XXXX demand a method of verification for a bankruptcy being reported on my credit report. They failed to provide verification with the original creditor the courts to show the bankruptcy on my report was valid. They failed to remove this inaccurate information from my credit report and this is a defamation of my character
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I purchased a sectional sofa from Ashley Furniture on XX/XX/XXXX which included a loveseat with a power recliner on the end. I put the furniture purchase on my Ashley Furniture credit card which is issued by Syncrony Bank. When the furniture was delivered on XX/XX/XXXX, there was no recliner on the end of the loveseat. I called the Ashley Furniture store while the delivery was happening and I spoke to the sales rep that I worked with. She said she made a mistake on the order and put the wrong number on it which was for only a plain loveseat with no recliner. I told her I couldn't wait another 3 months for a corrected sectional and that I would just keep the sectional that was delivered but wanted the refund for the power recliner that I didn't get. The sales rep said she would have the manager do the refund and they would take care of it ( she stated it was approx. XXXX difference in price ). 

I still have the full price charges on my card and I have tried 3 additional times to rectify with Ashley Furniture but they keep telling me they will take care of the credit and get back to me ... but no one does. As of today, the charges are still the full charges for the sectional sofa that I did not receive. They never let me speak to the manager who is supposedly in charge of issuing the credit ... I am always told that the employee will get right on it and the manager will issue the credit.
Product: Checking or savings account

Wells Fargo unilaterally closed my family 's business account and has been giving me the runaround for the closing balance. they keep passing me around to different departments- So far, I have visited a branch and talked with regular customer support, Executive Support, Customer Advocacy and Escalations Dept but no one has been able to resolve the issue. 

in the last letter dated XX/XX/XXXX, XXXX XXXX XXXX claimed that an Affidavit was mailed to me on XX/XX/XXXX ( another blatant lie ) and asked me to call customer advocacy at XXXX, option XXXX, I JUST CALLED THEM earlier this morning ( XX/XX/XXXX ) and I was told to call their Account closure department - which happened to be closed!! 

It's obvious that Wells Fargo has broken processes and is clueless about how to send me my closing balance. everyone I talked to refers me to another department. Looks like Wells Fargo client services just knows how to pass the buck to someone else. 

I'm XXXX because of my XXXX treatment but they keep asking me to go to a branch. I have been to a branch where I spent three hours and neither the branch manager nor the banker had a clue.