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

Capital One reported me 30 days late despite the fact that every month I had auto pay in place and payments were being deducted from my checking account monthly. However capital one increased my minimum payment by XXXX dollars but failed to properly notify me. They had an incorrect email address on file. It was only after I received a letter from them of the issue, Is when I was made aware of the situation. After which I immediately called Capital One and disputed the charges. However I promptly paid all past due amounts in order so that my credit would not be affected. 
My subsequent formal filing of a dispute with Capital One did not resolve the problem. They denied my dispute and no explanation was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. Equifax & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable information being reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts are being reported inaccurately and in violation of Metro 2 standards : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$500.00} ( appearing twice ) XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$3500.00} These accounts are reported incorrectly and may be in violation of Metro 2 compliance regulations, which govern the accuracy and consistency of how accounts are reported. As per the requirements under Metro 2 and the FCRA, all data furnishers must ensure that the data reported is complete, accurate, and verifiable. Upon review, the following issues appear to exist : - XXXXDuplicate reporting : XXXX XXXX XXXX XXXX XXXXXXXX is listed twice for the same amount and opening date, which should not occur under Metro 2 reporting guidelines. 
XXXX XXXXUnverifiable information : XXXX I do not have records of the alleged debt with XXXX XXXX XXXX and XXXX XXXX XXXX as currently reported , and I am unable to verify the authenticity of these entries. 

I kindly request that you conduct a thorough investigation into these accounts, verify their accuracy with the original creditors, and provide me with documentation that proves they meet the legal reporting requirements. If the investigation reveals that these accounts do not comply with Metro 2 standards or are not verifiable, I expect these accounts to be deleted from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies inn my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1981I, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPD-0002 ) against them for similar actions. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Good afternoon, I am currently banking with Navy Federal Credit Union and recently I lost my credit card and between XX/XX/20 and XX/XX/20 there were 4 charges totaling {$7000.00} charged on my card from " XXXX. '' I did some research and found out that this is a virtual currency transaction site and I attempted to contact the merchant but was unable to get a hold of anyone. I filed a fraud claim with NFCU for the above amount and for some reason it was denied. I appealed the decision to them and again they denied the appeal and did not give me a reasoning. I am insanely frustrated with it because I do not have the money to cover these charges nor did I even make them in the first place. I wanted to file a complaint with CFPB to see if there is anything else that can be done. Thank you in advance and I look forward to a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to this company regarding my credit. I need the following removed from my credit report : XXXX XXXX XXXX, and US DEPT OF EDXXXX XXXX XXXX I did not take out student loans while I was in college. This has been on my credit report for over 8 years. This is affecting my life and needs to be removed ASAP. This is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Prepaid card

Every time I go to use the card it declines my transaction even though the amount is way below the balance remaining on the card. Have only been able to use it at various stores but nothing online.
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 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 have now sent disputes to XXXX, Experian and XXXX to remove the bankruptcy off of my credit as the court does not report to the bureaus and that is fraudulent and the only agency that removed it was XXXX. I have a printed paper from the court that explicitly says they do not report to the Credit reporting agencies which means that they are committing fraud and possible identity theft. I also sent disputes about other discrepancies on my reports which some of have been changed which proves that there was not accurate reporting being done at all. Per the FCRA they are to report accurate and fair and this has not been done. I want to be paid {$1000.00} per violation of inaccurate reporting per the law.
Product: Credit reporting or other personal consumer reports

For over The past few years, I have tried correcting the information showing on my credit reports. Its stating that it was discharged in bankruptcy. It was not a discharge. They were included in the XXXX XXXXXXXX and they were paid through the XXXX XXXX. By them stating it was discharged, its showing as if they were never paid and its derogatory on my credit report and harming my credit. Impacting my ability to purchase a home and my credit score. 

This is the XXXX courts definition of just charge and this does not apply to me! 

XXXX XXXX XXXX
Product: Debt collection

This is about Enhanced Recovery ( XXXX {$1800.00} ) Hi this debt was removed off my credit report, it was a mistake by the XXXX / XXXX cable company. They removed it and deleted it from my credit file. they also gave me an apology. this collection company purchased my info from somewhere and trying to collect a debt that I don't owe. XXXX spoke with me by phone and told me I have XXXX debt with them. please remove this again off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the 3 credit bureaus because there is information on my credit report that is inaccurate. 

There are several names and addresses on my report that are not mine. 

There are also 3 accounts on my report that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. XXXX I have filed several disputes regarding these matters and have not received a resolution. Having incorrect names and addresses associated with my public record makes me susceptible to identity theft. 

Please help in having these items removed from my credit report immediately.
Product: Credit card or prepaid card

I received a XXXX XXXX XXXX in XXXX, 2018. Apparently, there are XXXX versions of the card. XXXX version is {$69.00} membership per year and a welcome bonus of XXXX XXXX miles after a {$500.00} spend. The other version is a no charge fee per year and XXXX XXXX miles after the first spend. I applied for the {$69.00} membership fee version. Apparently at the end of the confusing application process, the card that I thought I has applied for turned out to be the wrong card - which was the no charge fee with a XXXX XXXX mile bonus. After spending {$500.00}, I called XXXX XXXX to check on the missing miles. They told me that I was only eligible for the XXXX miles since I have the no charge version. I told them about the confusing application process and asked to speak with a supervisor. I spoke with XXXX who agreed that the application process was confusing and it was easy to be misled. XXXX options were offered. XXXX option was to close the card that I had and wait 3 months to apply for the {$69.00} version with the higher welcome bonus or apply for the {$69.00} version and expect a rejection. After XXXX spoke with XXXX in the credit department, she recommended that I apply for the {$69.00} version of the card but expect a rejection since only XXXX version of the card could be offered. XXXX indicated XXXX agreed to waive the XXXX card requirement but I would need to call the XXXX department after the rejection. I called the credit department at XXXX and spoke with several representatives who even after reading the notes reserved XXXX 's decision to allow the second {$69.00} per year version of the card. In essence, I was told to apply for a second credit card knowing that I would be denied but an exception would be offered and I would receive the right card. Both XXXX ( ID number upon request ) and XXXX ( ID number upon request ) read all the notes but indicated that XXXX and XXXX were wrong and that I would not be able to receive the card. XXXX stated that she would need to train the individuals who gave me the wrong information. In addition, XXXX stated that I was also given wrong information about the 3 month waiting period. XXXX stated that a new card can only be applied for after waiting 24 months, I believe that I should have receive the {$69.00} version of the card which will be eligible for the XXXX XXXX points because : 1. The confusing application process - which was admitted by XXXX 's own representative 2. I was told to apply for the {$69.00} version of the XXXX XXXX and after calling the credit department I would be approved. 3. All the notes on the conversations were detailed but misinformation was relayed to me. 4. While I appreciate that mistakes were made, my case should not be a training exercise for XXXX XXXX XXXX.
Product: Debt collection

Penfed Credit Union is taking advantage of my ignorance towards the consumer debt laws. They did not update my payment status and account status which is hurting my credit score to this day after paying in full through the debt collector they sent after me... They still have my status as " charge off as bad debt and unpaid. When I paid in full 2 years ago. I need Penfed Credit Union to take responsibility and fix this issue asap. They are not a good bank for this and I wouldn't recommend. I have been trying to contact them and let them know i paid in full already and stating they need to update my credit card account on their end. I have letters and proof of contact and form stating I paid in full settled. All I request once again for the numerous time to please update my payment status as '' Paid in full '' nothing more nothing less for the payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has incorrect hard inquiries on my Equifax credit report. They are showing inquiries from XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Equifax report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.
Product: Checking or savings account

What I am about to report now is that a person named XXXX XXXX caused a problem by opening a bank account with my social security number. 
The banks with the problems are XXXX XXXX, XXXX XXXX XXXX. 
I heard from my bank XXXX that on XX/XX/XXXX, there was a problem with the checking account, so I could not open the bank account. 
Here is what I got from XXXX XXXX & XXXX XXXX. 
XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, NJ came to the bank with XXXX XXXX 's ID and my social security number, and he took about {$53000.00} from XXXX XXXX and did not pay back last XX/XX/XXXX. 

This is not the first time who XXXX XXXX caused problems with my identity. I have reported to the XXXX Police department on XX/XX/XXXX. The case number is XXXX. 
On XX/XX/XXXX, I also reported to the XXXX XXXX Police department and the reports number is XXXX. 


another problem, XXXX XXXX even does not try to help this case at all. 
I went to XXXX XXXX Branch office and called them many many times but, they do not want to answer anything to me. 

I do not know how to get information. 


XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

formally dispute a fraudulent loan account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports.

I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA XXXX reporting that I was late when I was not. They are indicating that i missed a payment when I did not.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

" The CFPB forwards the complaint to the company named, who is expected to provide a complete and timely response directly to the consumer. '' TD 's response to my previous complaints stated in their letter on XX/XX/year> they received the refund deposits but it did not match our names or account number for refunds issue by XXXX XXXX {$1800.00} and XXXX XXXX  {$5000.00}. respectively TD stated they received the funds before XX/XX/XXXX, XXXX It is TD 's responsibility to make sure refund money due us is deposited into our account from Treasury and XXXX once they have received the funds. We request that TD immediately deposit our refunds into our account.
Product: Debt collection

I leased furniture with a company called Acceptance Rentals I returned the furniture all of it they keep stating that I kept a mattress which I did not I have a invoice from them that states all items were returned they keep harassing me telling me I owe them monies for leased furniture I have asked them several times to stop contacting me and they keep sending me emails and asking me to pay what owe they are even reporting incorrect information on my credit report. I have asked them to provide proof that I have the furniture they claim I have but they do not the emails are on a daily basis.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to correct the personal information section of my credit report, specifically to remove outdated and inaccurate addresses. TransUnion, Experian, and Equifax continue to report incorrect, outdated, and misformatted addresses and duplicate entries of the same address in slightly varied formats. This is a clear violation of FCRA XXXX ( b ) ( requirement to maintain accuracy ) and XXXX ( a ) ( failure to investigate disputes ). 

Despite calling and submitting proof of my current address, the agencies failed to correct it. I am requesting the removal of all incorrect addresses and the retention of only the valid one listed above. 

I am already involved in active litigation concerning FCRA violations and request immediate correction and escalation.
Product: Checking or savings account

when i go to ANY Wells Fargo BRANCH my accounts is always In someone Elses Name I CANT Access my Account. I went to court The Judge TOLD Them to give me Access out of Her Own mouth To my BANK Accounts. What WOULD be a fair Resolution is that wells Fargo give me Access to my Accounts There CD Accounts I have not access Them since i went to court. 
I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is reporting inaccurate information to all three credit bureaus TransUnion, XXXX and XXXX. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.