23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Due to having a cease and desist on my account, Capital One is showing, per their phone application, that I have an overdue payment and on the phone app and their website, it will not show my available balance. After speaking with XXXX parties at Capital One they just advised me that is Capital One 's policy regarding this and there is nothing to do. I will have to call him to get my available credit. Per XXXX she can not provide me with a reason for why this is and it is confidential and proprietary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Countless times I have disputed items on my consumer reports. All three companies investigate and then they just take for the word of the actual company that is verified as accurate. None of those accounts are accurate. I have several companies that says that I owe thousands of dollars but Ive never ever had an account with them. Im not sure where theyre getting this information to say that I have, and they have addresses that are listed and those accounts and those addresses are not mine. Ive never lived at any address in Kentucky  and Ive never lived there any other address in Indiana, Texas, California, Maryland. I have lived in Ohio  all my life but there are three particular accounts that they take off my credit report because they figure out theyre not mine and the company adds them back immediately days later. This is causing me a lot of money to keep doing this over and over for over 10+ years and I need a series fix.
Product: Credit card or prepaid card

On XX/XX/2023, I checked my online banking system for my Best Buy Credit card due to a transaction at XXXX being denied. When I checked my online profile, my card was {$390.00} in the negative but the charges had not yet been processed on my account. On XXXX XXXX, I proceeded to call the Best Buy Credit Card customer service representatives, and opened a fraud claim for 3 charges that they were able to see on their end. The 3 charges were {$90.00} XXXX XXXX XXXX, XXXX Texas, {$250.00} XXXX XXXX, XXXX Texas, and {$210.00} XXXX, XXXX Texas. On XX/XX/2023 I received a phone call from Best Buy Credit Card Security Operations Team to provide more information about the fraudulent charges. The information I gave them was that I had not filed a police report ( I was not aware that was something I could do with credit card fraud ), that I believed that I had the credit card in possession the whole time and that I thought that the card numbers might have been stolen from a gas station while I was pumping gas but I truly was not sure. After this phone call with the Security Operations Team, I waited to hear anything back about my card, I received notification in the mail on XXXX XXXX that the investigation process had started. On XX/XX/2023, I checked my online account to find that the fraudulent charges had been double charged to my account. I then proceeded to call customer service once again to report the second charges, in which they made a note about it in my claim file, and told me to call security operations about it. On XX/XX/2023 I called security operations and was told that when fixing fraudulent charges on an account sometimes it would double charge but all of the charges would be dropped soon. Today XX/XX/2023, I received notification via mail postmarked XX/XX/2023 that my claim had been denied and that I was responsible for paying for the fraudulent charges due to not identifying the fraudulent transactions In which through out this entire process I have identified the charges as fraudulent everytime that I have called customer service or security operations. After receiving the notification today, I called security operations once again to ask about the denial, and I was then told that maybe I didnt have enough information/evidence, and I asked to reopen the claim as well as provide more evidence over the phone. I proceeded to tell her I have never been to the locations that the card was charged to and hadnt even heard of XXXX until this occasion. All of my credit card transactions up to that point had taken place in XXXX, Texas so Im not sure how it could have been used elsewhere. I also reiterated the 3 charges that were fraudulent. I was told that the case would be reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial Services has placed a delinquent account on my credit report that depicts the wrong information. The account XXXX XXXX XXXX XXXX was incurred in XX/XX/XXXXand this collection agency is stating on my crit report it was incurred on XX/XX/XXXX. 

This reporting is in error and I ask that the matter be handled accordingly. 

Further, I want to verify that legally this account should be removed from my report 7 years from the DATE OF ORIGINAL CHARGE. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.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 man 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. 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have listed the accounts that are negatively affecting my life below : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And the cares act and FCRA state that creditors may not report adverse information that occurred during the pandemic.
Product: Checking or savings account

I WAS APPROVE FOR XXXX LOAN FOR XXXX XXXX XXXX XXXX XXXX WHERE I HAD TO SIGN XXXX TO PROVE MY INCOME WHERE I WAS APROVE FOR XXXX. I HAVE A BUSINESS AND BILL NEED TO BE PAID SO I WAS PAYING MY BILLS AND MY ACCOUNT WAS FROZE. I CALL FIFTH THIRD BANK WHO I BANK AND ASK WHAT GOING ON I WAS TOLD TO BRING TAX DOCUMENT TO PROVE XXXX XXXX XXXX SO I DID ONCE I TALK TO XXXX XXXX I WAS TOLD I NEED TO FILL OUT ANOTHER XXXX WITH FIFTH THIRD BANK TO PROVE MY TAXES AND THEY ALSO ASK TO PULL MY MY REGULAR XXXX TAXES. I NEVER HEARD OF THIS CAN THEY DO THIS BUT I ALSO TALK TO XXXX XXXX WHERE HE SO UNPROFESSIONAL AND ASKING ME ALL MY PERSONAL BUSINESS ABOUT MY OTHER BUSSINESS WHERE HE HAD TO LOOK IN MY PUBLIC RECORDS. XXXX XXXX WAS VERY RUDE AND XXXX AND I EVEN HAVE HIS CELL PHONE NUMBER THIS IS BUSINESS AND EVERYTHING SHOULD HAVE BEEN RECORDED. DO FIFTH THIRD BANK RED FLAG ALL XXXX LOAN AND FREEZE THERE ACOUNT THIS NOT FAIR.
Product: Mortgage

Had a short sale approved, but my cousin told me apply for modification, we need a place to stay, faxed in all paperwork XXXX my cousin XXXX is helping, talked to someone 3 days prior to XXXX and faxed it all in, he called XXXX and said modification not received, rep in XXXX said was on hold? SEE PROOF then received letter were asking for investor of property we never asked! only people authorized are XXXX XXXX my cousin and myself to talk!!!!!!!!!!!!!!!!!!!! Shellpoint getting confused and why is modification not under review. There are recovery modifications, internal, multiple modification programs.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear CFPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX XXXX XXXX account ( Account # XXXX ) on my credit report. Despite previous disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made, and the inaccuracies remain unaddressed.

These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my payments were significantly affected during the COVID-19 pandemic, requiring protection under the CARES Act and 15 U.S.C. 1681s-2, which mandates leniency for consumers impacted by national emergencies.

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : Equifax failed to conduct a reasonable investigation or provide the necessary description of the investigation process.

Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account was not handled according to permissible purposes and standards.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued reporting of inaccurate and derogatory information infringes on my privacy rights.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required explanation of the investigation process.

Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : Equifax failed to provide accurate disclosures regarding the accounts status, violating TILA regulations.

Federal Consumer Protections ( CARES Act ) : During the COVID-19 pandemic, this account was affected by financial hardships, and protections under the CARES Act were not applied appropriately.

Immediate Action Requested I request the immediate deletion of the inaccurate information regarding the following account : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX High Balance : {$3700.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Consumer disputes- reinvestigation in progress.

Two-Year Payment History Inaccuracies : Late payments inaccurately reported for XXXX, XXXX, and XXXX in multiple years. 
Attachments : Copies of previous dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation.

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

Contacted 6 times regarding incorrect reporting. I have never received verification of account. Disputes just marked as closed without verification or correct updating.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX. VIOLATION OF THE FRCRA
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX balance {$27000.00}, XXXX XXXX XXXX {$66.00}, XXXX XXXX XXXX  balance {$160.00}
Product: Debt collection

Debt does not belong to me. Privacy and consumer right violated. Company has sent deceptive forms and threatening letters. Notice has been sent to company. Ftc has been filed. See attached Evidence and documents. No constitutional proof or permissible purpose or consent given to stated company. Rights have been directly violated. Have also sent cease and desist letters company continues to Harrass me
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX sent an email notifying me of a hard inquiry on my credit report from Citizens Bank. I called Citizens Bank immediately to notify them that I did not authorize the inquiry. They told me they had no record of the inquiry. I then logged into my XXXX account to dispute the inquiry. On XX/XX/XXXX, I was notified that they ruled that the inquiry was valid. I called them today ( XX/XX/XXXX ) and they told me I needed file a clain with the FTC and submit documentation to them for the inquiry to be removed.
Product: Credit card

The company was notified on XX/XX/2023, XX/XX/2023, and XX/XX/2023 Via certified and registered mail.regarding notice in accordance with 15 USC 1666 ( a ) ( 1 ), 15 USC 1666 ( a ) ( 2 ), 15 USC 1666 ( a ) ( 3 ) that there is a billing error on the following accounts in the name of the obligor XXXX XXXX account ending in XXXX and XXXX. 15 USC 1666 ( d ) RESTRICTING OR CLOSING BY CREDITOR OF ACCOUNT REGARDED BY OBLIGOR TO CONTAIN A BILLING ERROR. This is a breach of contract and an adverse action for exercising my rights.
Product: Debt collection

XXXX XXXX has received the police report from the XXXX XXXX police department XXXX is the report number. I am not responsible for this debt. XXXX XXXX  removed the debt but continues to keep selling this debt to third part debt collectors.
Product: Credit reporting or other personal consumer reports

I currently have some fraudulent inquiries appearing on my Transunion credit report
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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a formal complaint regarding the accuracy outdated information on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers with the right to dispute inaccurate or outdated information on their credit reports. I have already reached out to the credit reporting agencies directly, but the corrections have not been made. Therefore, I am turning to your esteemed organization to seek assistance in resolving these issues. 

The credit report includes outdated personal information that is no longer accurate. Specifically, my current address, phone number, and employment details have been incorrectly recorded. It is crucial that this information is updated to reflect my current circumstances accurately.
Product: Vehicle loan or lease

My loan was sold by SunTrust to Truist. I was locked out of my account online at Truist, and can not seem to get the password changed. They do not have humans staffing phones, and the AI is no help because they keep sending codes to an unknown telephone number. 
I have been trying for a week to resolve this, and despite being on hold for significant amounts of time, have never reached a human. There is no way to contact them via email.
Product: Debt collection

On my credit report Jefferson Capital Systems inaccurately reported the date my debt was opened as XX/XX/XXXX, when they confirmed over the phone that it was XX/XX/XXXX. They refuse to correct it because they have to list the date they acquired my debt. Thats not at all what date opened means when looking at a credit report. Date opened means the date the account was opened not the date some company acquired my debt. Every other debt company works the same way but Jefferson Capital Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Product: Credit card

I am writing to bring to your attention a concerning situation I have encountered with Dell and Comenity bank regarding a recent purchase and subsequent return of a laptop. On XX/XX/2024, I purchased a laptop directly from Dell. However, upon its arrival, I discovered that my employer had already arranged to provide me with a laptop. Consequently, on XX/XX/2024, I promptly requested a return of the unopened laptop to Dell.

Dell provided me with a shipping label on XX/XX/2024, and I immediately shipped the laptop back to them. On XX/XX/2024, I received confirmation from Dell that they had received the returned item. However, despite following the established return procedure diligently, I was dismayed to find that as of XX/XX/2024, no credit had been issued to my account for the returned computer. 
Subsequently, on XX/XX/2024, I reached out to Dell 's customer service/ Comenity XXXX XXXX XXXX which is noted on the statement inquire about the delay in processing the refund. Furthermore, I have noticed inaccuracies in my account, including late payment marks and erroneous interest charges, which I believe stem from Dell 's mishandling of the return process and billing errors. I have phoned them XXXX more times including today for a XXXX time with no action. I have emailed them, which I have copies and their reply is to contact Dell, yet the statement it say contact comenity bank. So they give me a run around and I to blame when I call. 
I respectfully request the prompt correction of these issues. Specifically, I seek the issuance of the appropriate credit for the returned laptop and the removal of any adverse marks on my credit report resulting from Dell 's errors. Furthermore, I request a review of any interest charges applied to my account and their subsequent removal if found to be unjustified. 
Thank you for your assistance.
Product: Debt collection

I disputed this account with the company due to identity theft and they failed to provide proof that the account belonged to me and failed to removed it from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

***See attachments This is the second notice. I previously submitted a FTC report, identity theft affidavit, exhibits and more and got no response
Product: Credit card

On the XXXX of XX/XX/2023, I saw an unknown transaction in the amount of {$1100.00} from a company doing business as XXXX. At the same time, I also noticed this amount was charged to my XXXX account and XXXX checking account. I immediately disputed this transaction with all 3, receiving immediate support and mitigation in my favor from XXXX and XXXX. With the Apple Card, doing business as Goldman Sachs, I havent received any mitigation aside from a temporary credit that is due to expire within the next few days. I cancelled my card immediately upon realizing that the fraudulent charge existed, but aside from that and registering the dispute I really dont know what else to do. 

I reopened the dispute when they reversed the temporary credit. I disagree with their findings that the transaction was valid as it was not, and have now engaged the legal team provided by the company I work for to challenge this in court if needed.
Product: Credit reporting or other personal consumer reports

I am requesting that TransUnion credit bureau be banned from accessing my private data. They have continually used an arbitrary, untested, and unaccountable algorithm to drop my credit score. TransUnion is an XXXX, exploitive entity who's purpose is profit over truth. I have raised my credit score to good with hard work, huge payments, on time payments, monitoring, etc. As soon as I do TransUnion alone drops my credit score each time. This is an algorithm that targets consumers who advance their standing and credit score. It was dropped each time I raised my score. I know this because I was told so by a Supervisor at XXXX XXXX, who explained it to me. My XXXX limit was {$1000.00}. I went over by literally {$2.00}, which I didn't sign up for ( overdraft ), and TransUnion dropped my credit score by XXXX points. There is a huge discrepancy in my score with this entity vs. the others. Last month, my credit score went up XXXX points after paying almost {$8000.00}. to pay down my debts. When I used my cards to pay for a few normal monthly good totaling {$200.00}, TransUnion automatically dropped my score again by XXXX points, sending my back to fair credit. They also dropped my score immediately after I filed a recent complaint on this site against them. No other credit reporting agency did this or changed my score. The algorithmTransUnion is using IS predatory and manufactures false information that punishes consumers without any accountability or recourse. This should be and perhaps is illegal. I want to sue them and expose this. TransUnion should in no way be allowed to access my private data. This company has to be held accountable for their practices.