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

I have cooperated with Capital One every step of the way in filing my dispute, and they mishandled my case in a negligent way which I am now told has cost me the opportunity to even have my case reviewed. I filed a dispute for a transaction. Capital One gave me an extension on the deadline so I could revise a document at their request, but after I submitted the documents they changed their mind and said the extension they granted me wasn't valid. Their supervisor and I listened to a recording of the call when they granted me the extension and it is clear their agent made a mistake in telling me I could have an extension. The supervisor acknowledged that. However, they are not taking responsibility for their mistake and are giving me no options to even have my case reviewed. Also, Capital One insists they sent me a copy of the merchant 's documentation before the deadline. However, my account has paperless documents and I can see all documents they submitted electronically in my online Capital One account. The documentation they are saying was provided is simply not there ... .that 's just a fact. So, this is a second error Capital One made for which they are refusing to take responsibility. I have spoken with multiple dispute department supervisors there who acknowledge the mistakes, but they offer no resolution to correct the situation. Their supervisors refuse to allow me to speak to the manager above them or to provide any other route to a reasonable resolution. I find this unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ->> These adresses do not belong to me. Please delete it from my credit report. 
XXXX. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have consolidated all my student loan accounts into one balance and payment. My credit bureau is showing all the consolidated accounts as being open including the consolidated balance owed. 
Attached is statements from both lenders showing all is paid in full. 
Attached is my new statement showing the correct balance owed and one monthly payment owed. 
This has dropped from credit score down in the XXXX range. I had a XXXX plus since XXXX  2024.

Please contact to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus and consumables about these accounts on several acaccusation to apply to remove this accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 


XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX listed closed - still do not have funds have court order by surrogate 's court to release funds, documents given to you per the reference number above. 

my brother and I are listed as voluntary administrators on the court order. the court that issued the order says that we can act independently. Key bank is stating that they need both signatures. 

In my last correspondence with Key Bank, I asked them to straiten this out by contacting the surrogate 's court, as the surrogate 's court asked me to do on this matter. 

To the best of my knowledge, Key bank has not done so, and has not returned my correspondence. 

This is a lot of work for {$250.00}, and I would like to close the estate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I sent my 3 verification letters on XX/XX/2023. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. The following accounts and Numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

Your company JPMCB- CARD SERVICE never validated these alleged accounts. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature. 

My credit report shows the following account numbers XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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. 


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!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting or other personal consumer reports

I used a mortgage broker ( XXXXXXXX XXXX  ) to refinance my home in XXXX In the process, my mortgage broker told me not to pay my mortgage payment to make sure the numbers on the refinance paperwork are correct. I voiced my concerns about a late payment. The mortgage broker stated that I had nothing to worry about because the payoff payment would not be past 30 days. I believe that the mortgage broker failed to act in a timely manner, therefore causing XXXX XXXX loans to submit a negative report to the credit reporting agencies. I have had a late payment on my credit report for over 3 years now. I have tried repeatedly to get the companies to correct their mistake with zero results. The negative report, that was not my fault, has damaged my ability to get the financing that would be available if not for the inccorect report. Please help me get this resolved.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2022 I am reporting a fraudulent inquiry found in my credit report
Product: Money transfer, virtual currency, or money service

I paid for a service I didn't receive what the service advertised I been scammed off cash app service and they is responsible for it
Product: Credit reporting or other personal consumer reports

I filed a dispute over credit card charges made by XXXX 's XXXX XXXX XXXX in XXXX, Wisconsin, and XXXX XXXX XXXX was supposed to conduct an investigation and return the report to me to turn over to police in XXXX XXXX for a criminal complaint. 

When they dragged their feet, I filed a complaint with CFPB. CFPB then forced them to respond, in which they claim to still be investigating. That same day, I received a XXXX point drop in my credit score despite not missing any payments or ever being late, from Experian via email, and when I called them, they were unable to determine the origin. 

Today, I received a form letter detailing how XXXX is legally entitled to share my credit information to other credit cards. This clearly indicates that XXXX acted in a retaliatory manner and were the source of my XXXX point drop in credit ratingXXXX score. I will now be preparing a subpoena and suing them in federal court for retaliation. A company being investigated by CFPB for a legitimate complaint that turns around and attempts to inflict financial hardship by reporting to a credit card what the credit company already knows in an attempt to lower the XXXX score is ILLEGAL, and is XXXX XXXX evidence of retaliation. 

This is blatant misfeasance and an attempt to use otherwise legal reporting in a retaliatory manner in retaliation for me filing the initial complaint to CFPB.
Product: Money transfer, virtual currency, or money service

I attempted to make a funds transfer from my Marcus account today, XXXX, an error message stated, " unable to process '' or similar thereof. The transfer was going to my linked XXXX account in my name, three prior funds transfers were made prior, amounts of {$2300.00}, {$600.00}, {$800.00} with no issues. I called to find out reason for issue, it appears Marcus placed a hold on the account yet again, second one thus far. The reason for the funds transfer is to cover ACH payment items due to withdraw from XXXX account. Also, I am in process of making an offer to purchase a house and need access to funds.. It appears Marcus likes to monitor transactions, mark them as suspicious to the point of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX.
Product: Debt collection

I reached out via phone call to the collection agency who claims I owe the debt, when I explained I have health insurance and it was paid the collection agency still tried to collect.
Product: Credit card or prepaid card

In XX/XX/2020 I bought some teeth straightners from XXXX XXXX XXXX I went through getting XXXX XXXX and sent my products in and then the company agreed to send me the trays for my teeth but they never sent them. I then waited a couple of weeks and then contacted the company - they didn't respond. So, I reached out again and said that I would file a credit card dispute if they didn't respond. They then responded by saying they were not in a financial position to give me a refund and that they would send me my trays if their business got better and essentially we would let you know. I filed a credit card claim with Bank Of America In XX/XX/2020 they sent me a letter stating the would follow up with me by mail about the claim XXXX came no letter. XXXX no letter. I called and they told me they had 3 months by law and they were still working on it. I then sent proof of the emails from the company stating that they wouldn't pay and that I needed to be refunded they company still hasn't responded even though I've called and they do say they received my letters. They themselves told me that they had until mid XXXX to resolve this issue or it would break the law. However, the company XXXX broke the law and STILL has not responded. I need help!.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent validation of debt requests to all three major credit bureaus. As of today, XX/XX/XXXX, I have not received any response or documentation regarding these requests. 

This lack of response is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to investigate and verify the accuracy of disputed items within a reasonable timeframe. Given their failure to provide validation, I request that all disputed items be removed from my credit reports immediately. I had also required all information and responses be mailed to my address at XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 15U.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 or other personal consumer reports

On XX/XX/year>,, I made Equifax aware of the misleading and inaccurate collection account alleging a debt in the amount of {$3200.00} that they are reporting on my credit report. Ive requested, Equifax and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. it has been well over 30 days for Equifax to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report immediately By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Equifax, has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Experian Is in violation of FCRA and if they fail to comply and delete this information from my credit report, they must be held liable per 15 usc 1681n.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, I mailed a dispute letter to Ally Financial requesting an investigation into an unauthorized inquiry on my XXXX and XXXX credit reports dated XXXX XXXX, 2023. I am unable to identify or verify this inquiry. In my dispute letter, I specifically requested documentation regarding this inquiry, including a copy of the application or written agreement signed by me, authorizing Ally Financial to perform a credit inquiry for the purpose of extending credit. 

Despite my clear and thorough request, I have not received any response from Ally Financial. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a creditor is disputed by the consumer, the creditor must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Ally Financial has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors must ensure the accuracy and completeness of information in consumer credit reports.
Product: Checking or savings account

I contact a company called XXXX city who told me instead of replacing my whole window they would just replace a piece of the glass. They assured me it was possible and gave me a quote. I paid the vendor for the glass and them for the labor and a month later the work is still not done. XXXX technicians have told me different stories they just keep rescheduling my appointment and I have never received any window from them. I tried to file dispute but my bank is unreachable and unresponsive.
Product: Debt collection

Equifax credit bureau fail to delete this fraud account from my credit report. 
The creditor agreed the account was opened due to fraud and shall delete from my credit report. 

INVESTIGATE OR DELETE THIS INACCURATE ACCOUNT. 
.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it doePlease remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.