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

There is two accounts on my credit report that DO NOT BELONG TO ME. I have tried reaching out to the bureaus as well as the furnishers but have received no response back these accounts are not mine again. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account
Product: Credit card

On XXXX XXXX, I traveled to XXXX. My car is in California ; I did not rent a car and instead used XXXX  and XXXX exclusively. 

Capital One cleared a charge for {$550.00} to a merchant named " XXXXXXXX XXXX XXXX '' at XXXX, MD XXXX US. I did not make this charge. 

I called, and Capital One initially removed the charge the reinstated it. They insist that because the charge was made with a chip or something, that they're going to clear it no matter what. 

The thing is -- and they admit this -- this charge occurred shortly after a charge at a food truck. That food truck is in downtown XXXX  in walking distance of the XXXX XXXX and XXXX XXXX. I did buy the sandwich at the food truck. 

The claim that the fact I couldn't get from downtown XXXX  to XXXX MD in that period of time is additionally irrelevant. 


Information : XXXX XXXX XXXX gives the address : XXXX XXXX XXXX, XXXX, MD XXXX Attached : docs from Capital One pertaining to this. 

XXXX XXXX, noting the time of the text re : the charge. 
XXXX, my XXXX ride from the airport to downtown XXXX  where I stored my suitcase, arriving XXXX. This ride cost {$100.00} ; needless to say, I wasn't driving off to random cities ( with the car I didn't have ), to go shopping at an auto store. 
XXXX, my museum admission ticket in XXXX  for XXXX  photo XXXX, last photo inside museum, date stamped XXXX. 
XXXX XXXXXXXX, in the XXXX XXXX, date stamped XXXX I believe the charge was at XXXX, as per the text messages, but Capital One hasn't been clear on whether it was XXXX or XXXX ( possibly my phone didn't reset the time zone from PST -> EST correctly? Not sure ; I flew in from California on a red eye, landing that Monday morning. )
Product: Debt collection

I reported this company Spring Oaks Capital , LLC out of XXXX, VA in XXXX of XXXX. This Co called a family member and left a message, he saved the message and sent to me, I told him it was spam. I did some research at the XXXX  and after reading several reviews I reported them there and with you. Your report number was XXXX. I tried to add to the report with this number today but it said that there was no such report number. I received an email today XX/XX/XXXX from this co claiming I owe a debt and they are willing to make payment arrangements. The debt is completely different from the one they claimed I owed in XXXX. I did not respond to this company as I felt they were spam and blocked them. I have no debt, no past or current debt from the companies they are claiming I owe.
Product: Credit reporting or other personal consumer reports

I informed them i was not moving into their apartment complex at the end of XX/XX/2023, I never moved into the apartment. The property manager i spoke with whose name is XXXX XXXX with the XXXXXXXX XXXX XXXXXXXX, sent me an email explaining that she recognized that i didn't take ownership of the property and that There is a charge on my credit report for {$3900.00}. Therefore she understood that i should have never been charged. I informed her that this was an issue affecting my credit. XXXX acknowledged this was an error that should have never been on my credit report.
Product: Debt collection

Multiple letters have been sent out to Equifax Credit Bureau. Both entities have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Department of Education Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXXXXXX XXXX Card Account # XXXX and # XXXX, XXXX Bank Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my credit report with XXXX, XXXX, and XXXX. XXXX  and XXXX  has deleted the inaccurate information but XXXX  refuses to do so. Ive sent them copies of my credit report but they keep reporting it. The company has not sent me any contract or anything due to these collections not even being mine, the company has yet after 6 months to send me anything with my signature on it stating that these collections are mine. 
XXXX  and XXXX  have deleted them and I want XXXX  to do so as well its messing me up at getting approved for the house of my dreams because These collection are not mine.
Product: Credit card or prepaid card

Since starting my card with Bank of America I have not received the rewards points that were promised per the promotions available when signing up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on of the people that was affected by Navy 's Improper Debt Collection which has affected my credit since it was done. I have called on a regular basis to see when Navy was going to pay me and fix the problem and have not received any satisfaction. It has been two years since you ordered Navy to pay and they have not done anything. Request that CFPB look back into the what Navy is doing and why they are dragging their feet in giving its customers relief. " CFPB Orders Navy Federal Credit Union to Pay {$28.00} Million for Improper Debt Collection Actions ''
Product: Credit card

Complaint Letter to CFPB To Whom It May Concern, I am writing to formally express my dissatisfaction with the service I have received regarding my BrightWay Card account with OneMain Financial. Despite multiple attempts to resolve these issues, I have experienced inadequate responses and unmet promises that have led to further complications. 

Complaint Details : Failure to Honor Payment Arrangements : Following the nationally declared disaster in XX/XX/year>, a special payment arrangement was promised by your team, indicating that I would not have to worry about the monthly minimum payments while recovering. However, my account was marked as past due, and the {$25.00} minimum payment I attempted to make on XX/XX/year> was not acknowledged. 
Impact on Credit Report and XXXX XXXX : Due to the mismanagement of my account, my credit report has been negatively affected, and I have been disqualified from the XXXX XXXX XXXX that I was eligible for in XX/XX/year>. My XXXX status is now completely erased, disregarding the responsible efforts I have made. 
Unreturned Calls and Emails : On XX/XX/year>, I returned a call from XXXX within seconds, only to be redirected to voicemail. Despite numerous attempts and marked urgent voicemails, there have been no follow-ups or responses to my emails, indicating neglect of customer communication. 
Additional Disasters : Since the previous complaint, I have been affected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This ongoing situation has exacerbated my challenges, and the lack of support from OneMain Financial is disheartening. 
Legal Infractions : Multiple infractions against the CFPB and Consumer Protection laws have been identified in my case alone. It is crucial for your organization to address these unethical actions promptly. 
Conclusion : As a loyal customer, I am disheartened by the lack of support and professionalism shown during these trying times. I demand immediate rectification of these issues, including the adjustment of my credit report, reinstatement of my XXXX XXXX, and an official apology for the inconvenience caused. 

Failure to address these concerns will leave me with no choice but to escalate this matter further through the appropriate legal channels and consumer protection agencies. 

I look forward to your prompt response and a resolution to these issues. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

Please see the attach Letter. 

Tuesday, XX/XX/, 2019 Dear Consumer Protection Financial Bureau : My complaint is against Capital One - Walmart Credit Card. 
On Sunday, XXXX XXXX2019 I used my Walmart Credit Card to have cash back and to purchase two items. 
I checked out at the Walmart self service register with a grocery purchase of XXXX dollars and XXXX cents and a Cash Back Request of XXXX dollars. 
My card was Declined so I tried a XXXX Cash Back Request and a grocery purchase of XXXX dollars and XXXX cents. My card was declined again. 
I called Walmart Card Customer Service at XXXX XXXX and the representative told me that the cash back limit on my Walmart Credit Card is XXXX dollars cash back. 
The representative also told me that my Walmart Credit Card is now charged XXXX dollars and XXXX cents. I explained to the representative that I have not received merchandise or cash back. 
I also explained to the representative that the items were snatched from my hands by the attending clerk and security personnel was called and posted. I asked for a supervisor. The supervisor reported and spoke to the representative and told him that my card was declined and I did not receive cash back.

I left Walmart and went home and called Walmart Credit Card Customer Services. A  representative stated that he was a supervisor and that the charges would drop off. 
The charges have posted to my account and I am now being charged for the cash back and the grocery purchase. I called the Walmart Credit Card Customer Service at XXXX and the representative told me that the problem is with the Walmart Store. 
My credit score is now impacted and I have a balance due that is way over my Walmart Credit card limit. I am humiliated, frustrated and without the benefit of cash back and groceries that I needed. Thus, I am asking for the help of the Consumer Protection Financial Bureau to resolve my dispute with my Walmart Credit Card through Capital One. 
I wish for Walmart Credit Card through Capital One to understand that my credit card only has a limit of XXXX dollars for cash back thus it is impossible to be charged over this amount for cash back!! 
I wish to have the erroneous charges deleted from my account along with the updated information sent to the three credit bureaus and then be able to close my Walmart Credit Card account so that I will not have to suffer the pain and embarrassment associated with using Walmart Credit. 

Thank You in advance for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing incorrect info on my credit report for 3 months now every time i do this they say they verified the info but when i ask for docunments from the creditor they can not provide them to me our the brueasso has these stay on my credit when they cant validity the info they are reporting
Product: Checking or savings account

On Monday, XX/XX/2019 I went to the Citizen 's bank in XXXX, Massachusetts to consolidate a CD, a checking account, and a savings account into an estate account for my deceased ( XX/XX/2019 ) client. I am an XXXX and a successor trustee named in the deceased 's Trust. The bank is telling me I am " not on the bank 's owner of record as a successor trustee '' therefor I can not access any funds now! I have made several deposits and written many checks from the checking account for months, up to XX/XX/2019. My client had XXXX for over one year prior to her death. 

I know the bank is wrong as I have administered many trusts as a successor trustee and never had a problem before. 

I showed a death certificate, an IRS form showing an EIN, and the Trust which the bank had a copy of, and bank statements. 

The person I spoke with had no business card and would not give me his name, " I'm from another branch. ".
Product: Mortgage

I went to court to file for a deed in lieu of forclosure at the time of the closing a XXXX $ repay was due to be paid at the time of closing I was unable to close, and the issue was dismissed. Another closing was set and at that time NO REPAYMENT was part of the closing settlement. I had begun the repayment process and when I informed the DYKE-O`NEAL company of the mistake I requested a refund they promised to refund but they have yet to contact me.
Product: Debt collection

I called the company some time ago and settled the debt. The company has not removed the collections account from my credit report. Multiple attempts to contact, matter has not yet been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items that were removed from my XXXX  credit report are placed back on my report. 
I have filed a dispute in regards to the incorrect items on my credit report, which has been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$6000.00}
Product: Credit card or prepaid card

XX/XX/XXXX -- Purchased two airline tickets at XXXX XXXX website. A pop-up offer of {$400.00} credit immediately available if I opened an American Express Credit Card on the spot. I immediately filled out the required information and was approved for the card. 

XX/XX/XXXX -- Date of first billing. No {$400.00} credit listed on the billing statement. I called immediately. After a long and difficult time on the phone, including being told it was a XXXX problem, calling XXXX who apologized but said it was definitely an American Express problem. I called back American Express ( again, not a simple process ), and was given an " investigating case number XXXX ( or perhaps XXXX ). I was told by different people that I should call back after XXXX weeks, but later told it takes 4-6 weeks. 

XX/XX/XXXX -- told by Customer service " case is still active ; call back in 1 week. '' XX/XX/XXXX -- told again it was a XXXX XXXX problem. Again called XXXX who again apologized for the trouble, but said it way an American Express problem. 
XXXX -- told by XXXX XXXX at American Express ) to wait 7-10 business days. 

XX/XX/XXXX -- talked to XXXX, a XXXX, with no resolution yet. 

XX/XX/XXXX -- Told by XXXX that it can take up to 90 days. 

XX/XX/XXXX -- first talked to XXXX, who asked be to hold while he investigated ; after some minutes, another person, XXXX, told me she was taking over, and again I was put on hold. She eventually told me the case was settled and that it was determined I was not offered {$400.00}! This is after, somewhere along the line, I sent a screen shot of the pop-up offer of {$400.00} that showed up again when I was looking at flights at the XXXX website XXXX 

The last person I spoke with said the decision that I was not offered {$400.00} was final, and there was no more recourse through American Express.
Product: Credit reporting or other personal consumer reports

I have no liability to Hunter Warfield XXXX for they are a XXXX XXXX  debt collector and I have contract no with them. Hunter Warfield XXXX brought the debt from XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like Hunter Warfield Collections to provide me the direct contract between them and XXXX showing that they are authorized to collect for XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code XXXX - Obligations with respect to disclosures of personal information ( XXXX ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated XXXX XXXX  any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 
( XXXX ) Opt out ( XXXX ) In general A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( XXXX XXXX  such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( XXXX XXXX the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( XXXX XXXX XXXXe consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of Hunter Warfield XXXX, XXXX, XXXX, and XXXX reporting this to my credit report.
Product: Checking or savings account

I was discriminated and treated unfairly by suntrust, because of these two other banking employees and a district manager at XXXX XXXX  XXXX XXXX. Who has been spreading untrue things against me and getting other banks to deny me a checking account. Because XXXX XXXX has such hate and malice against me and my mother that she thinks we do n't deserve a checking account. I know she has influenced them to close my account. And they 're recent attitude towards me. I have every right to be angry and outrage and the way I have been unfairly discriminated against. I ca n't even have a bank account because of XXXX XXXX and her defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an account from XXXX appearing on my credit report today XX/XX/20 ; The only reason I was checking my report is because I am going to trade in my car in the next month or so. That account does not belong to me and I didn't allow anyone to open it using my personal/confidential information. I don't know who is responsible for this but I have already filed a police report. I did not benefit anything form this account being open in my name nor did I ever make any payments towards this account. I am not affiliated to that company in any way and I never gave them permission to access my credit information. I have filed a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to Experian. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S Code 1681a - Definitions ; rules of construction. The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? How did they complete my investigation? What would be a fair resolution to this issue? Please delete the accounts from my credit report. 

Here is my contact info for further information. 

XXXX XXXX XXXX Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently observed all three credit reports with my name, my address, and job inaccurately being reported. Equifax, XXXX, and XXXX received copied proof for my reports to be corrected by now. I sent copies of my Driver License, my Voter Registration Card, Social Security Card, and my XX/XX/year> Final Divorce Dissolution signed by Senior Judge XXXX XXXX XXXX. To this date nothing has been corrected and errors continue to be reported even though every agency has been made aware of the incorrect reporting errors.
Product: Credit reporting or other personal consumer reports

This inquiry is not authorized and was done by the creditor without my permission.
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 USC 1681. 

Account name : # XXXX XXXX  # XXXX has violated my rights. ( Experian ) Account name : XXXX XXXX XXXX  Account # XXXX has violated my rights ( Experian ) Account name : XXXX Account XXXX XXXX has violated my rights ( Experian, XXXX, XXXX ) Account name : XXXX XXXX  Account # XXXX has violated my rights ( Experian ) Account name : XXXX XXXX  Account XXXX XXXX has violated my rights ( Experian ) Account name : XXXX XXXX XXXX Account # XXXX has violated my rights ( Experian ) Account name : XXXX XXXX XXXX  Account # XXXX has violated my rights ( Experian, XXXX ) Account name XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights ( Experian ) Account name : XXXX XXXX  Account # XXXX has violated my rights ( Experian ) Account name : XXXX XXXX Account # XXXX has violated my rights ( Experian ) Account name : XXXX XXXX XXXX Account XXXX XXXX has violated my rights ( Experian ) Account name : XXXX XXXX XXXX Account # XXXX has violated my rights ( Experian ) Account name : XXXX XXXX Account # XXXX has violated my rights ( Experian, XXXX, XXXX ) Account name : XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights ( Experian, XXXX, XXXX ) Account Name : XXXX XXXXl Account # XXXX has violated my rights ( XXXX, XXXX ) Account name : XXXXXXXX XXXX NA Account # XXXX has violated my rights ( 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: Debt collection

they sent me a letter and a document from XXXX on a credit card order/ trial order call, which is fake it's dated XX/XX/XXXX look at top for date with no judge name or date on bottom. I didn't even open that account till XX/XX/XXXX and date of first delinquency was XX/XX/XXXX 2015