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

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) And the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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

IC System had an open collection for XXXX XXXX XXXX for {$400.00}. They were sending notices to my old address and calling an incorrect phone number. As soon as I saw it on XXXX XXXX and XXXX XXXX I contacted them to resolve the issue. I paid the balance of {$400.00} and they sent me a letter stating that the balance is paid in full and will be deleted from my credit report but it is still on my report.
Product: Credit card or prepaid card

I'd like to complain about Capital One Quicksilver Credit Card. 
Capital One Credit Card offers no consumer protection whatsoever. They failed to do any investigation when there's a dispute. 

I purchased 3 airplane tickets on XXXX on XXXX XXXX, 2023 for traveling in XXXX, 2023 for the amount of {$10000.00}. 

E-tickets I received were fake and can not be used when I tried to confirm with the airlines directly. 

I informed the merchant and was told that problems would be fixed. Two weeks later, nothing happened so I asked for full refund. 
I was promised full refund ( in writing ) which never came. 

I have all the communications with the merchant in writing. 

I opened dispute with Capital One on XX/XX/, 2023 and they sent me a letter in XXXX saying that since merchant did not respond, case is considered closed unless they receive correspondence from the merchant within 90 days. If that's the case, then I would need to provide further documents proving my case, which I fully agree. 

In the meantime, I received an email from the merchant telling me that their company was under audit by the airlines so all the tickets were being on hold so can't be used. They asked me to cancel the dispute and they will issue me vouchers for future use. 

All that seemed like scam to me so I refused to be fooled twice. 


I called and informed Capital One on XX/XX/XXXX about the emails merchant sent me and I offered to forward to Capital One but they told me that they did not need any documents from me. So I assume they will do proper investigation and I wouldn't be financially liable for scams. 


Just today, XX/XX/XXXX, I am very surprised to discover that Capital One charged me {$10000.00} again, for no apparent reason. They did not ask me to provide any documents. No email or mail notification. Nothing! The charge just showed up again. 


I am not sure if there's any connection but I did the survey Capital One emailed me and I said I would not recommend Capital One to anyone. 

In summary, Capital One Credit Card offers no consumer protection whatsoever. They failed to do any investigation when there's a dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX sent me an email stating that my account was 19 days past due. During that time, I was also dealing with XXXX XXXX preparations. I submitted payment to XXXX on XX/XX/year> which was not honored by my bank due to their inability to contact me because of the Hurricane. I have had fraud on my external account and the bank was not sure whether or not to honor the payment. 

However, when I did receive information that the payment had an issue, I went into the system and reinitiated another payment to cover my car payment through XXXX. Instead of initiating the payment, the system had disconnected my account from the payments and did microdeposits instead stating that they would be verified within 2 to 3 days. The microdeposits were initiated on XX/XX/XXXX. I still had three days left before the end of the month to verify the deposits and get my car payment in before the month was over. 

According to XXXX 's email which is attached to this complaint, on XX/XX/XXXX my account was 19 days past due. Even with the payment issues, XXXX received payment on XX/XX/year>, which would've had my account at 29 days past due. 
However, XXXX reported my account over thirty days past due despite its system glitches, the fact that I was supposed to be in a Disaster relief deferment and the fact that it didn't honor the communication or miscommunication about how many days past due I actually was. 

I have had this account with XXXX for 4 years and I have never been over 30 days late in the history of the account. I am requesting that this account be brought current based on the fact that there were system issues. 

Lastly, I was also supposed to be covered for Disaster relief assistance which obviously I was not. XXXX deferred my payments for XXXX and XXXX instead of XXXX as requested.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX Balance : {$550.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Reported fraudulent data ( hard inquiries ) on my credit report which the Company TRANSUNION refused to remove immediately.
Product: Debt collection

Eastern Account Systems got the collection item XX/XX/XXXX and neither they or the originator, ever invoiced me or gave me the opportunity to challenge the claim. 
I never hired or obligated in any fashion, to pay the amount that they are claiming in the collection. The collection came from a hospital visit on XX/XX/XXXX which was paid to the hospital by insurance. 
The client of EAS collections has no claim against me for I never hired them, I never agreed to pay them any amount and I knew nothing of them at all until I found their collection item on my credit record at the end of XXXX. 
EAS collections should have given me all my rights to challenge this prior to placing the collection item on my records. 
I herein challenge the account in it's entirety and pray they provide written proof and documentation proving without question I owe this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its two collection accounts on my credit report that werent authorized & I dont have an outstanding balance with XXXX  I have a current account.
Product: Credit reporting or other personal consumer reports

A child support case was unlawfully opened In XX/XX/2010 No due process was given I went to department of social health and services and requested the summons and complaint, proof of injury in fact, proof of service, default and the judgment paper. I was only given proof of service. Which the address stated on the paper was not the current living address for me. And A copy of Certification Of Birth Record. I also went down to my local county clerks office to request the judgment paper and was told there was never a case opened against me, which again makes it unlawful according to 45 CFR 303.5 The division of child did not have my permission to report on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, Experian, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX AND XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

Navy federal CU is currently reporting on all three of my credit reports as a collection/charge off after being paid. I have reached out to them back in XXXX asking them to remove the inaccurate reporting and they have failed to do so. This is impacting my credit and the ability to purchase a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15U.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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Employers XXXX XXXX  XXXX  - Incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect DOB
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Dear XXXX, I am writing to formally dispute inaccurate information on my credit report concerning the XXXX XXXX XXXX  The reported data contains several errors, which violate my rights under the Fair Credit Reporting Act ( FCRA ), codified in Title 15 of the U.S. Code 1681. I request an immediate investigation and correction of this information. 
Account Information in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Inaccuracies Identified : Payment History Errors : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. The payment history for XX/XX/XXXX reflects " 120 Days Past Due, '' while the account is listed as " Paid, Closed. '' This contradiction violates accuracy requirements.

Similarly, the delinquency statuses for XX/XX/XXXX ( " 60 Days Past Due '' ) and XX/XX/XXXX ( " 90 Days Past Due '' ) do not appear to align with the account closure in XX/XX/XXXX and the paid status. 
Comment Inconsistencies : The comments state : " Account closed at credit grantor 's request '' and " Account previously in dispute - investigation complete, reported by data furnisher. '' These remarks require clarification and verification under 15 U.S.C. 1681i, which mandates reinvestigation when disputed information is contested.

Timeline Discrepancy : The " Last Payment Date '' is listed as July 18, 2023, yet the payment history does not accurately reflect compliance leading up to the closure of the account. This raises doubts about the accuracy and consistency of the reporting.

Under the FCRA, you are obligated to : Conduct a reinvestigation of disputed information within 30 days, per 15 U.S.C. 1681i ( a ) ( 1 ). 
Notify the data furnisher of my dispute and request verification of the information under 15 U.S.C. 1681i ( a ) ( 2 ).

Correct or delete any information that can not be verified as accurate under 15 U.S.C. 1681i ( a ) ( 5 ).

I have enclosed copies of my identification and any supporting documentation to assist with this process. Please notify me in writing of the results of your investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Failure to comply with these requirements may result in legal action to protect my rights, including claims for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance. 
I expect confirmation of receipt of this dispute and a resolution within the required timeframe. Should you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ___________________________
Product: Checking or savings account

My name is XXXX XXXX and I am the CEO and Founder of XXXX related business entities : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX has banked with JPMorgan Chase since XXXX. On XX/XX/XXXX I attempted to open XXXX new checking accounts with. JPMorgan Chase, XXXX for XXXX XXXX XXXX and XXXX for XXXX XXXX. As part of this, I deposited two checks. I deposited a check for {$24000.00} into the XXXX XXXX XXXX account, and a check for {$110000.00} into the XXXX XXXX account. I was told that these funds would be available by XX/XX/XXXX. About one week later Chase let me know that they had decided to " exit the relationship. '' Chase, however, has not returned the funds. I have spent countless hours on the phone with various VPs across a wide array of departments, including the fraud department. I have provided extensive documentation verifying my ownership of these entities. I even paid {$500.00} to amend and restate the Articles of Formation for XXXX XXXX with the state of Delaware, so that the Articles now clearly state that I am an authorized agent. Despite this, despite XXXX knows how many hours spent on the phone with Chase, they STILL have not returned my funds. On XX/XX/XXXX a branch XXXX for one of the XXXX XXXX locations ( XXXX XXXX ) told me that the checks were on their way. It is now XX/XX/XXXX, the checks have not arrived, and I truly doubt that the checks will ever arrive. When I asked for tracking numbers, Chase Support told me via a XXXX XXXX that the checks had been sent via XXXX and that there are no tracking numbers. 
Chase Bank has stolen over {$140000.00} from my businesses. I would like my money back. I have also filed a complaint with the California Attorney General 's office.
Product: Credit reporting or other personal consumer reports

I have tried for years to get my credit report or to be more exact, my full file disclosure per 15 USC 1681g via XXXX and it never works. I have tried calling Experian, XXXX, and XXXX directly on a multitude of occasions and the agents have been unable to help me. Moreover, the agents ( and presumably their supervisors ) have been completely ineffective despite my requests to escalate the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX to whom it may concern please provide proof of charge off for this account, im writing in regard to inaccuracies on my credit report. this account is reporting CHARGED off with a balance for Equifax and reporting a zero balance for XXXX which is it? Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Mortgage

In XXXX of XXXX, we were informed by US bank that our Mortgage payment in XX/XX/XXXX was going to increase from {$1100.00} to ( currently ) {$1200.00}. We were told it would stay that way until XXXX. The explanation was unclear. We are current on our mortgage and have not missed any payments in the years we were under the HARP loan modification program. As of XX/XX/XXXX, we got another notification that it would increase again due to an escrow shortage. I called US bank and spoke with Representative, XXXX who told me this was due to an increase in our homeowners insurance. After speaking with XXXX XXXX, they informed me that there was an increase but only by {$9.00} a month. US bank claims it to be {$38.00} more. There is an obvious discrepancy that we want investigated. We have had a long miserable history with US bank and have no confidence in the integrity of the company.We also had to battle them legally through 6 years of Bankruptcy for errors on their part that were eventually settled. This is our 3rd time complaining against US bank for unscrupulous practices. We owe less on the home and have been current for years so our payments should not be increasing. Please investigate so we can clear this matter up.
Product: Bank account or service

Bank of America charged me a {$35.00} overdraft fee on or around XXXX XXXX. I contacted XXXX to insure they would not attempt a second request for payment electronically and subsequently requested Bank of America XXXX XXXX XXXX branch close my account on XXXX XXXX. The teller refused to close my account and insisted that I had to speak with an account representative elsewhere in the branch. I did not have the time nor do I think it is necessary for me to explain to anyone why I am leaving their bank. As a result, they have charged me an " extended overdraft fee '' for another {$35.00} and $ XXXX monthly maintenance fee. Their banking practice is extorting money at the expense of consumers requests to leave. I am concerned about their actions, their access to my financial information and possibly reporting negative information to the XXXX credit bureaus.
Product: Debt collection

A debt collection company keeps calling me about one time per day starting on XX/XX/2023, or thereabouts. They keep asking me for personal details, which I do not give out over the phone to someone who calls me. The company does not provide me with details as to what incurred the so-called debt. Therefore, I asked them to send me a letter. I received the letter today. It was dated XX/XX/2023. I do not recognize the name of the company under " Accounts owed to ''. It is XXXX XXXX, XXXX. I never had any business with them. The amount owed is {$400.00}. The letter does not state what service or product I received from XXXX XXXX, XXXX. I do not recall a charge for that amount either. The debt collector is Wakefield and Associates, XXXX. from XXXX, TN.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.