23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

1. ( 1 of 2 claims I filed ) : Account Number Ending In XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXXXXXX XXXX XXXX XXXX XXXX} 2. ( 2 of 2 claims I filed ) : Account Number Ending In XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Type : Pay Friends-Unauthorized Transfer Date Error Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above mentioned are my two disputed claims. 
My account was compromised over {$1800.00} was taken out of my account in a XXXX week period I reported my card lost/ stolen on XX/XX/XXXX when I noticed I lost my phone the night before I carried my debit card and drivers license thats the case to my cell phone. I was assured my account was safe my card was deactivated and a replacement was in the process of being sent to me. Well I waited for two weeks and nothing arrived I finally received my cell phone and when I was finally able to log into my mobile banking app for chime I noticed my money was all gone. I reached out to customer service filed a claim ordered a new card and was assured my money was insured and Id receive it within a few days. The next day on the XXXXXXXX XXXX XXXX I received a notification that both claims had been denied. They were two disputes because one was a transfer out of my account to some random person who had my phone and was accessing my account. And the other was for all other transactions of purchases and withdrawals made for XXXX XXXX XXXX I immediately contacted Chime and had them re file my claim and I was denied again. I dont know who had my card n my cellphone I didnt make these charges or transfer I have never had an issue with my account until now for them to state that based on previous transaction history. I have never made a transfer to any one other then my girlfriend for XXXX XXXX  months ago and for them to state my history has made the decision. This unknown transfer out of my account was for {$770.00} to someone I dont know. I filed a police report I provided it to chime and they still have denied my claim they didnt even bother to take the time to investigate my claim for them to deny it twice just one day after it being filed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

Consumer Financial Protection Bureau XX/XX/year> URGENT : Formal Complaint Against Capital One for Discriminatory Practices and Financial Mismanagement To Whom It May Concern, I am writing to formally file a complaint against Capital One regarding egregious mishandling of my account and discriminatory practices, resulting in substantial financial harm and emotional distress. 

On XX/XX/year>, I conducted an electronic deposit to Capital One using a different mobile device and promptly informed the bank of this transaction. Concurrently, I requested a replacement bank card. Regrettably, the representative I engaged with, whose second language was English, misunderstood my instructions. This misunderstanding led to unjustified restrictions being imposed on my account. Consequently, Capital One issued threats of account closure. 

Following subsequent communications with another representative, additional and unnecessarily stringent measures were enforced, seemingly motivated by personal frustration on the part of the representatives. Despite successfully verifying my identity at least seven times using my passport, Capital One persistently insisted on subjecting me to further, unwarranted verification procedures beyond what their systems required. 

As a direct consequence of these actions, Capital One has withheld in excess of {$5000.00} from me, funds urgently required for critical expenses such as housing, medical care, and daily living costs. Despite confirmation from state authorities affirming the successful completion of identity verification procedures, Capital One continues to enforce severe restrictions on my account solely based on the initial misunderstanding by a non-native English-speaking representative on XX/XX/year>. 

This situation is not only financially devastating but also emblematic of potential discriminatory practices. It appears that Capital Ones actions have been influenced by bias against individuals communicating in a language other than English as their primary means of communication. Such discriminatory practices are in clear violation of federal and state consumer protection laws. 

Therefore, I urge the Consumer Financial Protection Bureau to intervene immediately and conduct a thorough investigation into these matters. I request that appropriate measures be taken to rectify the financial losses incurred and to ensure that Capital One adheres strictly to fair and equitable treatment of all its customers. 

Enclosed with this complaint are copies of relevant documentation, including correspondence with Capital One, identity verification records, and evidence of state-issued confirmation. 

Thank you for your prompt attention to this serious issue. I anticipate a swift and just resolution to this matter. 

Very respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Applied for Loan with XXXX. 
Received letter of denial due to credit report received from Equifax. 
Stating Bankruptcy reported on credit report. 
Contacted both XXXX and Equifax. Per Equifax after viewing credit report. No Bankruptcy on report. However Equifax did not offer dispute option. 
XXXX request a mailed letter from Equifax. 
Have not resolved with Equifax nor XXXX. 
There are no Bankruptcy on my credit report with all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, and XXXX XXXX. 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 an 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, credit repair services, or other personal consumer reports

I have contacted Equifax to manage my security freeze but they are unable to do so both online and over the phone. I have provided many information but they we unable to verify my information purely based on the fact that I don't remember if I have a security PIN or not. For other companies, you can easily get access by answering security questions about your past, but not Equifax. Now my credit freeze isn't allow me to sign an apartment. Equifax also has no way to escalate this or expedite this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried to get XXXX and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that Equifax and XXXX have made more of an effort but XXXX has not. My spouse is having the same issues with XXXX. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with XXXX report as of XX/XX/XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XX/XX/XXXX ( see the red FP ). They are not allowed to show me late in XX/XX/XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ). Here, the court relied heavily on two of my cases, XXXXl v XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX) and XXXX v. XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( XXXX  XXXX XX/XX/XXXX), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both XXXX and XXXX are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses billions every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.
Product: Debt collection

The lvnv account is attempting to collect a debt for XXXX XXXX XXXX in the amount of {$250.00} the original debt was removed so lvnv can not collect a debt from a account already removed for id theft see update police report
Product: Credit reporting, credit repair services, or other personal consumer reports

hi my name is XXXX XXXX i was on a joint account with XXXX XXXX and after selling my home it was on my credit report so i called and spke to XXXX  asking why was it on there they told me it have to be on there until 2025 so i called my mortgage company asking why was it on my credit report they told me it shouldnt be on my credit report so after i spoke to them it still wasnt moved from my credit report so i am now reaching out to get house trying to purchase another home for me and my family
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} SXXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX Balance XXXX {$26000.00} XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXXXXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts in collection that's not supposed to be
Product: Debt collection

JH PORTFOLIO DEBT EQUITY has been reporting derogatory remarks to the three credit bureaus for about four years. While this is apparently an old disputed debt from XXXX, I was never notified by JH PORTFOLIO DEBT EQUITY nor have I ever sign a contract with them regarding the dispute with XXXX. XXXX would call harassing me and calling me names when I lost my job and became sick. As many times as I begged over the phone and in writing, I was refused the right to a payment plan which was guaranteed by federal law. When I disputed the bill thru the FTC, XXXX removed the derogatory remarks from my credit history. However, the derogatory remarks started appearing under JH PORTFOLIO DEBT EQUITY. 

Under the Fair Credit Reporting Act, is it legal for a creditor to refuse to work with a person who falls due to indigent circumstances? Is it legal for a Debt Collection entity to assume reporting of derogatory remarks while never notifying the debtor of the alleged debt? Is it legal for for a Debt Collection entity to fail to follow requirements of the Fair Credit Reporting Act by notifying the debtor? 

What is the protection for debtors who fall prey to Debt Collection entities such as JH PORTFOLIO DEBT EQUITY who collaborate with creditors who have already violated the Fair Credit Reporting Act to continue ruin someone's credit after eight years?

I have continued to dispute this with the Credit Reporting Agencies. However, they continue to update as a valid date. How can the credit reporting agencies take the side of the creditor when there is a he said-she said scenerio?
Product: Mortgage

In XXXX I was the beneficiary of a Federal Emergency Homeowners Loan Program ( EHLP ). I got a {$50000.00} forgivable loan as long as I kept making my payments and used my house as a principal residence. Thirteen years later, I wanted to sell my house and discovered that HUD had put a lien on my house when I took the emergency loan. In the meantime, I lost all my documentation due to a malfunctioning sump pump in my basement in XXXX. HUD is asking me to repay the {$50000.00} forgivable loan unless I can prove that I paid my mortgage on time between XXXX and XXXX. They won't even accept bank statements because they didn't show when payment was due, only when payment was made. Specialized Loan Servicing LLC refused to provide me with all the billing statements between XXXX and XXXX, stating that they didn't service the loan during that period. If I can not prove to HUD that I made these payments, they want me to repay them {$50000.00}. I met my financial obligation if I still have the same mortgage since XXXX. 
I want to file a complaint against Specialized loan servicing LLC for refusing to provide me with my billing statements from XXXX to XXXX or write a letter stating that I have paid my loan on time for the past 18 years. Their inaction could result in me having to pay {$50000.00} to HUD. I want to file a complaint against HUD /Federal Emergency Homeowner 's Loan Program for not letting me know that I had a lien on my house at the end of the program in XXXX. But six years later, asking for documents that are difficult to find. Instead of helping, they are doing everything to get their money back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX
Product: Checking or savings account

Citi Bank sent me an invitation by email to open a savings account called Acceleiate Savings. I would receive a {$300.00} bonus with a {$30000.00} balance. It had a code number to identify offer to be used when opening account. It said to open online or call Citi using offer code. This was in XX/XX/2022. I decided to call Citi so there would be no errors in opening. I told the associate I wanted to open the accelerated savings account with the {$300.00} bonus offer and gave her the special offer bonus code. I then sent in the {$30000.00} which has now been there for over six months which is double the time required for bonus. I called in four or five times asking about my bonus and was told they see nothing wrong with the account and I should have received it by now. Three time they messaged a complaint for me and three time I received the same form letter saying the account was opened incorrectly. Apparently she did it wrong because now Citi refuses to give me the bonus to me. It is not my fault that Citi associate opened the account incorrectly..
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

Chase closed my checking account without notification ahead on XX/XX/2023, withold all my money around XXXX dollars. Chase hasnt return all my money. I went to branch every two weeks and the bankers ghoost and don't let me in sometimes. And Chase banker start to ignore my email recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Capital One last 4 digits 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX  purpose. XXXX
Product: Credit card or prepaid card

I have yet to receive a correspondence in reference to my account. I was approved for {$1500.00} and my credit limit was lowered to {$500.00}. Considering my application was the collateral in which was used to obtain and open the account in my name ; I want to know what happened to the {$1000.00} which this company was issued in advance for the said amount. According to Federal Reserve Act, in no event shall such collateral security be less than the amount of federal reserve notes applied for. How is the financial institution going to tender my application for {$1500.00} then lower my amount to {$500.00}? I have a fiduciary obligation to ensure my accounts is receiving the equity it was giving at the beginning of the consumer credit transaction. You are commissioned under the Security Exchange Commission and took an oath to handle transactions in due form. Are you committing security fraud by advancing for a said amount and then lowering the consumer credit amount? Was the {$1000.00} returned to federal reserve bank and your accounts were balanced? I am demanding the accounting records on this account that is issued by the XXXX XXXX XXXX XXXX. Please dont inform about my credit score and factors when the application aka collateral security was what was tendered to obtain the XXXX. The security offered shall be notes, drafts, bill of exchange or acceptances acquired under the Federal Reserve Act.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Reporting Inaccuracy by XXXX XXXX To Whom It May Concern, I am writing to formally dispute an inaccurate debt reporting by XXXX XXXXXXXX  that is adversely affecting my credit report. This account, associated with XXXX, was XXXX in bankruptcy on XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Code, this account should not be reported after the discharge. 

Background In XXXX  I filed for bankruptcy due to financial hardship. The account with XXXX XXXX was included in my bankruptcy proceedings. Following the sale of the vehicle, XXXX XXXX provided me a check for the remaining balance after the sale, thereby satisfying the debt in full. Consequently, this account should have been marked as closed and XXXX. 

However, I have recently discovered that XXXX XXXX fraudulently re-reported this account as active on my credit report without my consent or prior notification. This action violates several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) : Under Section 609 ( a ) ( 1 ), I have the right to dispute inaccurate information. The failure to accurately report the status of this account is misleading and unlawful.

Bankruptcy Code : The reporting of debts that have been discharged in bankruptcy is prohibited. This negative reporting significantly impacts my creditworthiness and financial opportunities. 

Fair Debt Collection Practices Act ( FDCPA ) : If XXXX XXXX was attempting to collect on this debt after the bankruptcy discharge, it constitutes a violation of my rights as a consumer.