23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Affairs, I am filing a formal complaint regarding a credit card account opened with Capital One in XX/XX/year>. The account was approved, and I made a single charge on XX/XX/year>. On the same day, a {$95.00} annual fee was charged to my account. I promptly paid off the balance on XX/XX/year>. 

However, Capital One froze my account on XX/XX/year>, and closed it two weeks later in XXXX. They did not provide sufficient details for the closure, merely stating that the income support I provided during the application was not satisfactory. Despite the closure of the account within a very short period, I was still charged the {$95.00} annual fee, which I never had the opportunity to utilize. 

I have made multiple calls to Capital One to request a refund of the {$95.00} fee, but they have continuously claimed there is no " balance '' on the account and have not issued the refund. Their lack of responsiveness and the inability to resolve the issue has left me frustrated. 

I am requesting that Consumer Affairs assist in ensuring I receive the refund of {$95.00} for a service I never used. I believe this fee should be refunded due to the account being closed soon after opening, with no usage or benefit to me as a customer. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

ACCOUNT ENDING XXXX
Product: Credit reporting

I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.
Product: Credit card or prepaid card

Pennsylvania Department of Labor & Industry made a payment of {$490.00} on XX/XX/XXXX to my XXXX   XXXX XXXX XXXX XXXX in the Name of XXXX XXXX XXXX. Funds as of XX/XX/XXXX have not been posted. When I contacted US Bank advised they will not tell me 1 ) if and when funds actually received and 2 ) when the funds will be posted to my card thus making them available to me. 

Additional concern is US Banks hold the funds in their account and delay in posting to account holder.
Product: Credit reporting

The credit reporting agency continues to show inaccurate and/or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc. All of these are in violation of the Fair Credit Reporting Act, et, al.

The following is/are a list of inaccuracies/erroneous status(es) still showing on my credit report:

XXXX Ocwen Loan Servicing, LLC shows a late payment status. As per my XXXX complaint; and the documentation to go with that complaint, it is Ocwen that has mis-managed the escrow; and as a result, caused the account to appear to have fallen behind. I have always paid according to the agreement(s) I've had with Ocwen. 

XXXX  The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report.

XXXX  Any inquiries, two or more years old, should no longer be showing on the account.

Finally, there should be no new accounts, except a car loan via XXXX, showing on my record.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with Lendumo on XXXX XXXX. I previously had a loan with lendumo which was paid off on XXXX XXXX and previously i had loan with lendumo which i took out on XX/XX/year> and successfully paid off on XX/XX/year>. I have had XXXX loans with lendumo. On my current loan that i took out on XXXX XXXX I have made a total of XXXX payments the loan term ends on XXXX XXXX. On wednesday XXXX XXXX i reached out to a lendumo representative to revoke my ACH to avoid an overdraft because of a hardship an unexepcted expenses and i explained that i will reach out to set up arrangements. I am on a fixed income and i am barely making it and i am struggling to make ends meet. In total i have made XXXX payments towards this loan and i have XXXX payments remaining. I would like to settle for the principle balance pay it in installments and close the account i have other expenses to cover such as bill utilities monthly bills and it is causing me to be in a bind. I look forward to a resolution to resolve this matter I have been a loyal customer since 2023 and i hate to do this but times have been tough for me
Product: Credit reporting or other personal consumer reports

I disputed 5 negative items on my XXXX credit report.This took place XXXX when XXXX reached back to me, they said they investigated and the items on my credit report was correct. I feel they didnt a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for XXXX XXXXXXXX XXXX where I have reached out to them and the 3 credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.
Product: Credit reporting, credit repair services, or other personal consumer reports

request to update report with accurate information, and remove all old addresses on my account, some of these addresses I never resided at and others are over ten years old. request to remove numbers connected to my account. I do not have an active telephone number or employer at this time. all of this information is on my report and inaccurate. a request was sent out on XX/XX/22 in writing and closed already without any changes made to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and I found several discrepancies. Upon my findings, I disputed the information with the 3 major credit bureaus ; XXXX, Equifax, and XXXX. This original dispute was filed on or around XX/XX/2022 for a closed XXXX credit card account. 

The dispute results were emailed back to me from XXXX on XXXX XX/XX/2022. The account came back as verified with the account status/ responsibility being labeled as " the consumer reported as deceased ''. I am not deceased. XXXX and the other credit bureaus have now labeled my account as being deceased. This has prevented me from applying for a mortgage and securing a home for my family. 

On XXXX XX/XX/2022, I notified XXXX of the inaccurate reporting on my credit report labeling me as deceased. I was instructed to write a certified letter showing proof that I am not deceased before status can be removed. This account and its many inaccuracies have not been removed by XXXX and the other credit bureaus and have violated my consumer rights under FCRA XXXX. 
Under FCRA 611, 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 of such dispute, the agency shall reinvestigate free of charge 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.

My rights under FCRA 611 were violated.

Under FCRA 609, Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

In my dispute filed on XXXX XX/XX/2022, I requested the XXXX account be verified and that I be provided with the information used to verify this account. I was provided any documentation when the credit bureaus " verified '' this account and then updated the status as deceased. My rights under FCRA 609 were also violated.

As a result of the credit bureaus reporting me as deceased my credit scores and report have been removed and are unavailable. This has resulted in me not being able to secure a mortgage for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not give me my annual free credit report but instead requests that I send them copies many personal financial and identification documents by mail. They are placing inordinate stumbling blocks in order to avoid compliance with the annual-free-credit report law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, XXXX and XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 SEction 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a late 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

Subject : Formal Request for Resolution Regarding Billing Discrepancy and Suspected Securities-Related Activity Dear Comenity Capital/XXXX Customer Service, I trust this message finds you well. I am writing to address a pressing concern regarding my Comenity Capital/IdealImage account, specifically a persistent billing discrepancy where statements consistently reflect a positive balance, even when there is an outstanding balance on the account. 

I wish to draw attention to federal regulations, particularly 15 U.S.C. 1666 ( b ), which expressly prohibits the reporting of late payments under any circumstances. This provision underscores the importance of accurate reporting practices. Concerns arise as it appears that reasonable procedures to verify the receipt of billing statements have not been adequately adopted. 

Furthermore, the absence of a robust system to confirm the receipt of billing statements raises questions about compliance with federal laws, including 15 U.S.C. 1611 ( 1 ), which prohibits creditors from furnishing false or inaccurate information. Any billing discrepancy contributing to a misrepresentation of my financial status may potentially breach this crucial provision. 

In addition to the billing concerns, I wish to address suspicions of a discrepancy in securities-related activity. The observed discrepancy between the reported positive balance and the actual outstanding balance raises concerns about potential securities fraud. This raises ethical and legal concerns, as engaging in such activities could have serious implications. 

I respectfully request the following actions to address these concerns : 1. *Thorough Investigation into Billing Discrepancy : * Conduct a comprehensive examination into the billing discrepancy, rectifying any inaccuracies to accurately reflect the current balance. 
2. *Transparency Regarding Securities Trading : * Provide a detailed explanation of any securities trading related to my account and clarify how it may impact my rights to the security interest. 
3. *Update Account Status to " Paid as Agreed '' : * Request an immediate update of my account status to " Paid as Agreed '' to reflect the accurate payment history. 

It is my sincere hope that these matters can be addressed promptly and transparently to ensure compliance with applicable federal laws and regulations. 

Your attention to these concerns is highly appreciated, and I trust Comenity Capital/XXXX will take the necessary steps to rectify any potential inaccuracies, provide clarity on the observed billing and securities-related issues, and promptly update my account status as requested. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Experian credit agency to fix a reporting error, however My attempts by mail has come back wrong address, which is the only address listed. The item in question has been paid within the first 90 days. I believe this is Economic Sabotage. A practice that has gone in checked for generations. Please help thank you. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. Remove immediately. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Balance : {$860.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 
Date of Last Activity : Inaccurate High Balance : Inaccurate Date Reported : Inaccurate Account Name : XXXX  XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the egal authority to collect it or delete this account Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have 40 late payments. On my Transunion report there are 0 late payments being reported. 
Date of Last Activity : Inaccurate Date Opened : Inaccurate Date Reported : Inaccurate Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

Account Name : XXXX  Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either incorrectly reported or have already been addressed, and I request a thorough investigation and correction of the errors. I have previously contacted both the credit reporting agency and the data furnisher, but the issue has not been resolved. I have attached supporting documentation and screenshots of my credit report to illustrate the inaccuracies and substantiate my claim. Please investigate this matter promptly and ensure that my credit report is updated with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT PROFILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ 1028A. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED OR USED, WITHOUT LAWFUL AUTHORITY, A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX XXXX, US Dept of Ed account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I applied and was approved for a credit card on XXXX XXXX for an Indigo Credit Card. I never received anything on the credit limit so I called the number XXXX which is the number given for them on the Internet and it transfers me to a message that it is a Debt Collector. 
I dont know how to get ahold of the Credit Card company to find out the real information or this credit card. 
I dont know if they just got my information or I am getting a card?
Product: Credit reporting or other personal consumer reports

I did not authorize the following accounts. Please see the attached data breach ID claim and credit report and remove these accounts from my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please note that the first account is reporting 2 different account numbers ( XXXX and XXXX ) which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 the company Avant, responded to my initial claim dropping all of the charges, late fees and penalties that was on my account considering I had never ever received the credit card and never had access to the account. However on XX/XX/2023 ( today ) I received an alert through my capital one account that there was a change on my credit report. On XX/XX/2023, 22 days after Avant cleared the charges from my account, the account was AGAIN reported as delinquent despite there being no balance on the account following the conclusion of the fraud investigation the CFPB conducted. I am beyond enraged, this is absolutely disgusting and despicable customer service. What is their excuse now? In their response letter they claimed they didnt cause any defamation to my credit and that there was no back and forth between myself and their agents. But the last time I spoke to a supervisor at Avant they promised me they would report to all the credit agencies that the account had been closed due to fraud and that every single charge on that account including the delinquencies were completely false. That is a verbally binding agreement which they have a recording off but refuse to provide me with. However they are continuing to tarnish my credit and my livelihood as a young person actively trying to restore their credit. I have been working to repair my credit for years and the amount of damage they have done over the last 6 months is absolutely absurd. I am begging and pleading to you as the CFPB to please help me with this, to put an end to this XXXX that I have been enduring. Theyre literally destroying any chance I will have of having good consumer credit for whichever purpose I choose to use it for. They are violating my rights as a consumer as well as harassing me with these frivolous claims. Please put an end to this, I have exhausted all of my resources battling this. I have had credit card companies revoke my credit cards which were in GREAT standing due to this.