23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a single team subscription from XXXX to watch the XXXX XXXX XXXX in the amount of {$110.00}. 

At the outset of the pandemic, the XXXX CANCELED the XXXX XXXX XXXX season making it IMPOSSIBLE to watch them on XXXX or anywhere else. 

Since it was IMPOSSIBLE to reach the XXXX I disputed the charge with Capital One MasterCard. I was told that under the terms of their MasterCard Purchase Protection Policy they would credit {$110.00} to my account and mail paperwork to me that was to be completed and returned no later than XX/XX/20. 

I received the paperwork from Capital One on XX/XX/20. I completed it, made a copy and mailed it the very same day. Then, on XX/XX/20 I discovered that Capital One violated its own MasterCard Purchase Protection Policy and WRONGFULLY charged {$110.00} back to my credit card. 

I immediately called Capital One to be told that they never processed the completed paperwork that I mailed to them on XX/XX/20. Capital Ones phone rep stated that if I E-mailed copies of all of the documentation that I PREVIOUSLY sent to them that she would PROPERLY CREDIT the missing {$110.00} back to my account. 

She NEVER did what she said that she would do. Its not been two weeks since I was promised a PROPER {$110.00} CREDIT back to my supposedly protected account. I called the Capital One Dispute Line back today. Ive been on the phone for nearly a half hour with a phone rep who said she could fix the problem. When she failed to fix it, she FINALLY transferred me to a supervisor, AS I ORIGINALLY ASKED HER TO. 

Ive been on hold close to ANOTHER HALF HOUR AND NO SUPERVISOR HAS PICKED UP THE LINE AS OF YET!
Product: Credit reporting, credit repair services, or other personal consumer reports

ok and thank you-i applied for a credit card through XXXX XXXX for a capital one credit card to help me with getting my credit restored. Its is not XXXX XXXX who is the problem but Capital One-OK they gave me a credit card in XX/XX/2020 for {$300.00} and they said if I am faithful in using my credit wisely and paying on time i will get more credit at the end of 3 months. at the end of there time line they said i am doing great they gave me now a {$500.00} credit with a 24 point boost with XXXX. A couple of weeks ago i used my credit on purpose with the intent of paying them before the Auto deduction from my bank acct. That's what you are suppose to do use the card and the credit they gave you and pay them back immediately which will show the Lenders that I CAN BE TRUSTED. " Well they did not like me using {$110.00} of my {$500.00} and they decided to take away 14 points from me. O they gave me reasons of which i don't understand a lot of double talk. I AM TRYING TO BUILD MY CREDIT NOT KNOCK IT DOWN BY BEING FAITHFULL AND HONEST WITH THE LENDERS. WITH THIS CREDIT REPAIR SYSTEM YOU WILL NOT WIN BUT LOSE AND THEY WILL DESTROY YOUR CREDIT AND BEFORE I CAN MOVE ON AS I SEE THE " light '' THEY ARE SHOWING I NEED THIS FIXED. 
The credit card company is Capital One -- associated with XXXX.
Product: Credit reporting or other personal consumer reports

I want my account status updated its not 120 days past due. You are maliciously allowing this company to mess up my credit report the status I repeat is not 120 days past du XXXX, XXXX Last XXXX XXXX RE : XXXX XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on MY ACCOUNT .and accordance with the fair credit act XXXX, 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.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX  consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX  EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' in my status I am not 120 days past due your maliciously messing up my score and I dont owe you guys a dime immediately.

After doing so please provide me with an updated reflecting the changes. 

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

contacted credit reporting agency regarding incorrect items reporting on my credit file and credit agency informed me that items were correct without providing any proof or how they reach that point
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have a student loan with Navient XXXX The account is reporting on my credit report twice. One I am paying and is current on and another that is closed. On XXXX XXXX, XXXX, I went thru the loan rehabilitate program with XXXX XXXX XXXX XXXX. I successfully completed the program after making 9 on time payments. The loans were to be set to good standing and the late payments were to be deleted and I was to have a clean slate with the loan servicer. Navient closed the old loan and left the late payments on my credit report and added a new loan with perfect payment history. They should have deleted the old loan and they never did. So I have the same loan being reported on my credit report twice. They both have the same date as XXXX. I am requesting that the old loan be deleated from all 3 credit files. 

Thanks!
Product: Debt collection

Borenstein and Associates made an attempt to collect {$30000.00} for an account that was opened with XXXX XXXX XXXX. I have never filled out an application for a loan with XXXX XXXXXXXX XXXX I filed a complaint with the CFPB on XX/XX/2024. 

This debt does not belong to the consumer. The consumer is disputing the validity of the debt. In order for there to be a debt an application has to be filed in which will contain the social security number and a signature of the consumer 's agent must be upon that application. The consumer was a part of the XXXX security breach in XXXX and the consumer 's agent filed a complaint with the CFPB.
Product: Credit card or prepaid card

My wallet was stolen near XXXX XXXX XXXX XXXX in XXXX on XX/XX/22. The contents of the wallet included XXXX credit cards, XXXX debit card, an XXXX XXXX XXXX and my keys. The perpetrator ( XXXX ) attempted to use my cards a XXXX for purchases of up to > {$3000.00}. I only became aware that my wallet was stolen when I started to get alerts and calls from the credit card companies trying to verify the attempted charges. The only fraudulent charge attempt that was not properly identified as fraud was a charge for {$760.00} purchase using my PNC Virtual Wallet Student Checking and Savings Account debit card at XXXX. PNC did call me as well as the other credit card companies on other charge attempts being made and blocked them. Unbeknown to me, PNC let this one go through. Once I became aware of this charge, I reported it as fraudulent to PNC. The gave me a provisional credit as required by law, but now they have reversed the credit claiming that it was a valid charge. I have included copies of the XXXX police reports that I filed as well. 

PNC Bank XXXX XXXX in XXXX PNC XXXX XXXX  XXXX XXXX
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. The records I'm disputing, which stem from this identity theft nightmare, have no basis in reality. They don't correspond to any transactions I've authorized or any legitimate financial activities. It is beyond frustrating that my previous attempts to resolve this matter have fallen on deaf ears. Enough is enough. This is not a mere inconvenience ; it's a blatant violation of my rights and a severe detriment to my financial standing. I demand, in no uncertain terms, that you promptly take action to obliterate any information in my credit report that originated from this heinous act of fraud. The urgency of this situation can not be overstated. Accounts : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX.
Product: Debt collection

To Whom It May Concern : I had taken out two ( 2 ) Parent Loans for my son when he attended XXXX University. He left college and the loan payments came due at a time I was dealing with debt left by a divorce. Rather than file bankruptcy I opted to settle with all creditors except for the parent loans. As time went by they did start a garnishment XX/XX/XXXX. 
My employer has deducted {$190.00} every two ( 2 ) weeks beginning XX/XX/XXXX per the United States Government Wage Garnishment Order ( XXXX ) in the amount of {$20000.00}. 
I contacted the Creditor Agency ( CBE ) last week to confirm the date I thought this should be paid in full ( approx XX/XX/XXXX ). I was told I still had {$5500.00} plus to pay and interest accrues daily. At that time I requested a transaction history on the collection of my two ( 2 ) accounts. 

I received their transaction history report that carries NO BALANCES. I received the payment history from my employer that carries remaining balance after every payment. I created a spreadsheet using BOTH CBE and my employer. 

First, the garnishment order of {$20000.00} consists of : 2 parent loans totaling {$14000.00}, Interest due of {$1900.00} and CBE Fees and Costs of {$3900.00}. 

Secondly, in addition to CBE 's fees/cost of {$3900.00} INCLUDED in the garnishment, they have collected ADDITIONAL fees of {$37.00} every two ( 2 ) weeks processing payments received as follows : XX/XX/XXXX - {$410.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$970.00} XX/XX/XXXX - {$220.00} ( as of XX/XX/XXXX payment processed of XX/XX/XXXX payroll deduction - Why does it take so long for them to process? ) The collection company is receiving over half the cost of the original debt IN FEES to collect the debt. It 's a wonder anyone goes to college or that parents take out these loans not knowing what the future holds financially for them. 

Both myself and my employer have a total balance left on my garnishment of {$1700.00} per the payroll deduction of XX/XX/XXXX ( which CBE processed XX/XX/XXXX per their transaction history report ). CBE verbally told me I had a {$5500.00} plus balance as of XX/XX/XXXX. 

Finally, How can a wage garnishment order that is almost fulfilled have a balance that can keep growing seemingly never to end? 
Where are the checks and balances for the consumer or in this case debtor? Is n't a garnishment order for a specified amount only as listed in black and white on mine?
Product: Checking or savings account

My account is being closed but I can't withdraw money from my account. I received a deposit on XX/XX/XXXX but I didn't withdraw the money on that date. That same day my account was closed by the bank. I couldn't withdraw my money because they said there were open claims on my account. I spoke to the claims department from the bank and they said all my claims were already closed. I told the bank that the claims department said all my claims were closed but they said they couldn't verify it. I didn't understand because how hard could it be to find out if a claim was closed when all the information needed is available to them because they work in the same company. I called several times and kept getting the same response. They were lying telling me I had open claims but all my claims were closed according to the claims department. They now set a closure date for XX/XX/XXXX which would mean I have to go the entire month without any money.
Product: Checking or savings account

The website and phone systems for https : //www.paypal-prepaid.com/ and customer service for all checking, saving and other accounts are inaccessible today XX/XX/XXXX. 

I contacted them and after receiving a message that there is no access to customer service or my account, I finally got through after XXXX minutes and was told that customers will have XXXX access to their account and money for potentially more than XXXX hours. It has no been over XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a Fraudulent account on my credit report which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was investigated by all 3 credit bureaus and was deleted from my credit report. 

To my surprise after checking my credit report this account suddenly shows back up on my credit report. I wrote all 3 credit bureaus on XXXX. 

First off this was not my account to begin with. Then it was deleted after fraud. 

Then it suddenly reappears on my credit report. 

However secondly I was never notified in writing within 5 days after this account was previously deleted which is a direct violation and again it wasn't my account to begin with which is why it was previously deleted. 

Please have Trans Union, XXXX and XXXX Delete this account for it is a direct violation.
Product: Credit reporting or other personal consumer reports

I am disputing 8 accounts on my credit report that are inaccurate and do not belong to me.

These errors are preventing me from securing funding for my business, causing serious financial harm. I request an expedited investigation and immediate removal of these accounts : 1 ) XXXX XXXX XXXX, Account # XXXX covers 5 accounts- 2 accounts Open and in Good Standing, with 3 accounts Outstanding.

2 ) There are 3 accounts under Direct Loans. Both are
Outstanding and 1 is under account # XXXX, and the other 2 are under account # XXXX. 
These accounts do not belong to me and I have never lived at the address associated with them. As proof, these accounts are set to fall off due to the 7-year time limit next month in XXXX. I am requesting their immediate removal because they are erroneously impacting my creditworthiness and business efforts. Please notify me once your investigation is complete.
Product: Credit reporting or other personal consumer reports

There are 7 plus hard inquires on my credit report that I never authorized and it fraud. I reached out to the companies and told them its fraud and XXXX  never authorized these inquiries but they wouldnt do anything to remove it. I want them removed asap. 

XXXX inquiry date XX/XX/XXXX Cap one na inquiry date XX/XX/XXXX Cap one na inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXX Cap one na inquiry date XX/XX/XXXX Cap one na inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under penalty of perjury I do by del are the the following is true and accurate to the best of my ability Transunion, XXXX and XXXX are not credit reporting companies evidenced by their Licensing and Disclosures so there for are acting unlawfully and without my consent in all matters. I have called, written, disputed debts, inquiries, accounts, and have even tried to opt out of all services, I have given instruction to remove all unverified inquiries, accounts and to verify debts but when asked how they verified nothing was produced. 
Furthermore, I have no contract nor agreement nor have I given any consent or instruction for the furnishing of anything to my credit report. I am demanding equitable remedy of {$1000.00} for these violations per law for each unauthorized inquiry and for the company to release to me documents, accounts, all information held by the companies named herein, I am allowing only the minimum allotted amount of time proscribed by law to respond, settle, and cease and desist this will be my last attempt at handling this matter outside of federal court. And violation of civil rights there is no special immunity. Notice to principal is notice to agent and notice to agent is notice to principal. All debts are obligations of the United States and XXXX upon payment dollar for dollar so therefore reporting or attempting to claim I XXXX XXXX XXXX the living man and Beneficiary to the Cesti Que XXXX XXXX XXXX XXXX, XXXX which XXXX State is XXXX Fiduciary is in direct violation of the constitution, UCC, Identity XXXX among much more that the company will be provided with if my respective issues are not handled correctly and in good faith. 

XXXX XXXX XXXX UCC1-308 12 USC 411 L93-406 UCC 3-104 8 USC 1182 48 USC 1421b 5 USC 5582 UCC 3-419 These laws are provided as to assist whomever must be informed as to claiming false debt and obligation and fraudulent contracts and the like thereof. 

15 USC 1681b states consumer must give consent for furnishes to credit report. So I demand company provides such evidence as to my consent authorization for any furnished information. 

15 USC 1681a ( 2 ) ( B ) states the consumer report does not include authorizations or approvals of specific extensions of credit. 
Any Loan or Credit card reporting information to a consumer credit report is in fact a specific extension of credit. 

15 USC 1881 ( a ) ( i ) states that transactions between consumer and person making report are NOT included in reports. 

I chose to not send any documentation that I may have as the companies have their own records of my letters and calls and online disputes.
Product: Credit reporting

On XXXX XXXX I received a credit score from TransUnion indicating my credit score was XXXX. I also received from TransUnion documentation that a civil judgement ( docket # XXXX ) from XXXX XXXX Court had been deleted per my disputed item request. Shortly thereafter I enrolled in the TranUnion credit monitoring program for {$11.00} for a fee of {$11.00} monthly. 
On XXXX XXXX I learned from XXXX different loan processing companies that the above item was reflected on my credit file and that my credit score was XXXX ( XXXX ) as opposed to ( XXXX ) XXXX. After I spoke to a TransUnion representative he assured me the item was not on my credit file and agreed to send me a copy of my credit report. XXXX of the loan processors called me back later on the XXXX and said it was " weird '' that the above item was now not showing on my file but my credit score remained the same. Since then i have learned that my credit score is still reflecting XXXX despite the fact that XXXX more account is reflected as paid and no other derogatory ( derog ) marks have been added to my file as of this writing or within the 30 days since receiving the XXXX score. 
In conclusion, it appears to me that TransUnion reinserted the removed item at one point and may or may not have removed the item despite me previously proving the item to have been satisfied thus the deleted notice from TransUnion. It also appears that TransUnion did so maliciously because I cancelled my subscription with the company. Apparently, based on the options provided by CFPB, this is not the first time credit reporting agencies have reinserted previously deleted items onto consumer 's credit files.
Product: Payday loan, title loan, or personal loan

I took out a pay day loan of {$550.00} on XX/XX/2021. Including the finance fee, I was responsible for repaying a total of {$630.00} which was due on XX/XX/XXXX. I repaid the {$630.00} balance due online with my debit card which cleared and posted to my checking account that day. However, overlooking my repayment of the loan, on XX/XX/XXXX, Advance America presented a check to my bank account for repayment. Consequently, {$630.00} was erroneously deducted from my bank account and I was inconvenienced by their error and could not fulfill other financial obligations ( namely my monthly car payment and car insurance payment that was due ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account XXXX. I have not supplied proof under the doctrine of estoppels by silence, Engelhardt v. Graves ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX have already deleted the fraudulent account! All requirements ID with the XXXX report. You are required by law to remove this account no later than four days. This account is involved in litigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute amd resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Trans Union representatives refuse to follow 605B FCRA. I am working with an Attorney who is planning on filing a lawsuit against Tran Union as the dispute letter with the FTC Reports that you refused to accept to block the fraudulent items within 5 days of the dispute.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, transunion and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, transunion and XXXX consistently responds within XXXX hours stating the account is accurate, without providing evidence of a thorough investigation. this practice violates the fair credit reporting act 15 U.S.C. 1681 is the section of the Fair Credit Reporting Act ( FCRA ) that states the purpose and findings of Congress regarding the accuracy and fairness of credit reporting. The FCRA also includes procedures for credit reporting agencies to follow. also the The Consumer Financial Protection Act is codified under 12 U.S.C. 5481 onwards in the United States Code, specifically within Chapter XXXX, Subchapter V, which establishes the Bureau of Consumer Financial Protection responsible for enforcing consumer financial laws. 

I want reported accounts removed XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX