23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/2023 We contacted Capital One regarding unauthorized charges of {$2000.00} and {$6200.00}. We opened an official dispute of charges, one complaint for {$2000.00} and one for {$6200.00}. Capital One requested additional information.

XX/XX/23 Capital One requested more information regarding the disputed amount of {$6200.00}.

XX/XX/2023, We Faxed all of the information and documents and proof in response to their questions. This included the Contract with the merchant.

XX/XX/2023 For the amount of {$6200.00}, Capital One requested additional information.

XX/XX/2023 We Faxed Capital One the requested information and all of the documentation we had previously sent.

XX/XX/2023 For the {$2000.00} amount. Capital One requested additional information.

XX/XX/2023 For the {$2000.00} claim, we Faxed the requested information to Capital One, also included all documentation for the claim.

XX/XX/2023 For the {$2000.00} claim, Capital One stated information we sent to them was incomplete. At this time they stated they would no longer assist us on the claim.

XX/XX/2023 Amount of {$6200.00}, Capital One stated that our dispute lacked information they requested and they would be unable to assist us with the claim.

XX/XX/2023 I contacted Capital One, Transaction Support Center, by telephone. They stated that they would reopen the {$2000.00} dispute but there has been no response at this time.

XX/XX/2023 For the {$6200.00} claim : I contacted Capital One, Transaction Support Center via telephone regarding their denial of our {$6200.00} claim. I again requested proof that we approved the charge for {$6200.00}. The representative stated that no proof was submitted and they had only the word of the merchant.

When I requested that this dispute be reopened, the representative stated that the time limit they had with the MERCHANT had expired. They can no longer pursue the dispute. WE WERE NEVER NOTIFIED OF ANY TIME LIMITATION BETWEEN CAPITAL ONE AND THE MERCHANT. Apparently, Capital One allowed the time to run out without notifying me, their customer.

Capital One has all of the supporting documents including the contract and supporting material. We have requested numerous times that Capital One provide evidence that we approved the disputed charges of {$2000.00} and {$6200.00}. THEY NEVER COMPLIED WITH THAT REQUEST.
Product: Debt collection

this company is breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to your credit report.

OR This agency is infringing on my consumer rights by using misleading, false, and deceptive tactics.

I've already tried to resolve these issues directly with them, but they continue violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me are remove these accounts immediately.
Product: Debt collection

XXXX debt collections keeps sending my letters and reporting false information stating i owe a medical debt i have sent several letters asking for validation but yet i have not received correct documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for a Chapter XXXX Bankruptcy in XX/XX/XXXX to obtain relief from medical bills and credit card debt. My mortgage and car loan with US Bank was included in the case, but I was never more than 30 days late on a payment for either obligation. I completed the attached reaffirmation agreement, which was filed with the courts. I reaffirmed the debt, and the bankruptcy case was closed in or around XX/XX/XXXX. A couple months ago, I discovered that US Bank is not reporting my payment history to the credit bureaus. I contacted them via phone, and advised them that I reaffirmed the debt with the sole purpose to continue making payments and for my payment history to be reported. They advised they would send a letter in the mail. I received a letter in the mail, and the letter essentially stated that since I filed Chapter XXXX, it was US Bank 's decision to discontinue reporting to the credit bureaus. By reaffirming the debt, I resumed my contract with US Bank, so they should be reporting to the credit bureaus for both my mortgage and car note. At this point, neither obligation is even appearing on my credit report at all, and I have no credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of ID Theft and have a fraud account that Equifax refuses to remove. They keep saying it was verified as begin correct! of course it would come back as accurate, My info was used fraudgently to open this account! This account does not belong to me as well as the following Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX Acct @ XXXX OPENED XX/XX/XXXX I have and will continue to send in police report as long as this troubling ID Theft continues.
Product: Credit reporting or other personal consumer reports

I have already contacted several of the companies. There are repeated inquiries on my report for the same day, same week, and same month. I have over 80 inquiries. I did not authorize the inquiries on my report. I have placed a fraud alert on my reports to stop this from moving forward. Apparently someone is trying to get credit in various ways using my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I applied for the PSLF a year ago. I had my long time public service verified, and have made well over 120 payments- so I absolutely qualify. Mohela and FSA are saying that I didn't make payments from XXXX. I absolutely did ( was with XXXX & XXXX at the time ) and I have proof of the payments ( see attached ). I have spoken with Mohela multiple times and they say it is out of their hands. I have filed complaints with XXXX online and they are saying I don't qualify. I absolutely do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX placed a collection on my report by XXXX XXXX equifax and XXXX  both deleted this on XX/XX/2017.  XXXX came back and had XXXX XXXX to put the same thing and same amount on my credit report and as this time I have again asked to see and or know the method of verification and the description of the procedures used to determine the accuracy and completeness off the information was requested and they NEVER provided me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They also did not inform me in writing that the deleted item was going back on my credit with in five days of them putting it on as well.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required XXXX  complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the XXXX complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

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

I am trying to correct information on my Experian credit report, and I can't get through to talk to someone. I used the number given on the CFPB page to call them, and the initial prompts ask you to choose if you want to file a dispute. When you do, then it takes you to two different prompts- either to check for fraud or to order a copy of your credit report. There are no other options, they won't prompt you to a customer service representative, and If you choose one of the other options and try to get a customer service representative, it just takes you back to the beginning prompts. I don't understand how to dispute the credit reports that are on my file, and I don't have anyone to talk me through how to make sure I'm reading the report correctly and picking the correct credit reports on the record. They have this AI chat that's a beta version, and if I try to click on that, it just gives me a high latency pulsing gif that won't connect to even a bot. 

All I want is for someone to help me identify which of these credit accounts on my score are incorrect so I can correct them. They are not customer friendly, nor are they user friendly.
Product: Credit reporting

Transunion sent me a Fraud Alert / Security freeze application asking if I would like to place a security freeze on my credit file. My response is no. I do not want a security freeze on my credit file. I did not complete nor submit a credit freeze application. Transunion then placed a security freeze on my credit report without my consent and now my potential creditors are unable to access my Transunion credit file. This blocks my ability to purchase a house, to purchase a car, and my ability to obtain general credit. Transunion then further lowered my credit score to XXXX although I have only XXXX active credit account and no lawful negative accounts. The XXXX account being reported is PAYED AS AGREED and has never been late. My credit score should be a XXXX. Please assist at unfreezing my Transunion credit file and lifting my credit score! I did not request a credit report security freeze. Unlock immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, Mutual of Omaha Mortgage XXXX XXXX XXXX , XXXX add a hard inquiry on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working extremely hard to establish my financial security. Several individual account disputes for incorrect reporting has gone unattended or updated.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX XXXX Consumer ID : XXXX XXXX Early Warning Services , LLC XXXX XXXX Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Subject : Dispute of Inaccurate Information Due to Identity Theft in Early Warning Services Report Dear Early Warning Services, I am writing to formally dispute inaccurate information in my Early Warning Services report , which is the result of identity theft. I did not authorize the transactions or accounts reported under my name, and I am requesting that these fraudulent items be removed from my report immediately. 

Item ( s ) Disputed Due to Fraudulent Activity Please Remove XXXX XXXX XXXX Contribution Ref # : XXXX ABA Number XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX SSN/Tax ID XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : OH Incident Date : XX/XX/XXXX Principal Loss : Contribution Reason : Checking Account Fraud The following section refers to transactions related to your bank accounts ). 

Bank Name : XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Reason for Dispute These accounts or transactions were not initiated or authorized by me. They are a result of identity theft, and I was unaware of them until I reviewed my XXXX report. 

Attached, you will find the following documents to support my claim : FTC IDENTITY THEFT REPORT I request that you conduct a reinvestigation of these items and promptly remove the fraudulent information from my report. I also ask for written confirmation that the report has been corrected following the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a accounts an my credit report on my Equifax that should not be there. Account number XXXX showing an opening date of XX/XX/2016 I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this fraud information removed from my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a follow-up to my previous correspondence regarding the above-referenced account. As outlined in my initial dispute, I have attempted to contact the credit furnisher ( XXXX XXXX ) directly to resolve this matter and verify the alleged debt. To date, I have received no response from the furnisher despite my best efforts. 

Because the furnisher has not replied, it is clear that you have been unable to properly verify this debt through any meaningful investigation beyond the automated e-OSCAR process. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, a credit reporting agency is required to conduct a reasonable reinvestigation of disputed information. Simply sending an electronic verification request through e-OSCAR does not fulfill this requirement if no verifiable documentation or confirmation is provided by the data furnisher.

If the information can not be verified, the FCRA mandates that it must be corrected or removed from my credit report.

Furthermore, per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a detailed method of verification. This includes : The name of the individual at the furnishing company who verified the accuracy of the disputed account. 
That individuals direct contact information, including their name, address, telephone number, and email address. 
A copy of all documentation the furnisher provided to support the validity and accuracy of the reported information. 
Since the furnisher has not responded, please provide me with the following as required by law : The complete methodology and evidence used to verify the accounts accuracy. 
The name, title, direct mailing address, email address, and telephone number of the person at the furnishers office who allegedly verified this information. 
A complete copy of the information currently on file with Experian related to this disputed account, including any and all documents received from the original creditor or furnisher. 
If you can not fully comply with this request or provide the necessary verifying documentation, you must remove this unverified account from my credit report immediately, pursuant to the FCRA. 

I expect a prompt response, as you are required by law to address disputes and provide requested verification information within the timeframes defined by the FCRA. 

Sincerely, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Chex Systems , Inc. Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX XXXX has listed ACCOUNT ABUSE on my Chex Systems file, dated XX/XX/year>. To my knowledge, I have never had ACCOUNT ABUSE with XXXX XXXX XXXX XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX XXXX including copies of any documentation associated with this ACCOUNT ABUSE which bear my signature. In the absence of such documentation, I request that this be permanently removed from my Chex Systems report ASAP.
Product: Mortgage

Our loan originator failed to lock our rate in time, even after we requested him to do so and reminded him before the deadline. Interest rates have now gone up and downpayment assistance has decreased. We asked to confirm that this had been acted on with time and he lied to us and told us that he had locked our fate which was not the case.He now wants us to make-up for the loss in downpayment assistance from our earnest money instead of adjusting origination fees to make-up for the loss that was a result of their negligence. The LO and both branch managers have lied to us in the past in regards to other parts of our loan, but this has been the one with the most financial impact so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this statement to address the incident of identity theft that I have recently experienced. My personal information, including my Social Security number and banking information, has been compromised without my knowledge or consent. I am deeply concerned about the potential consequences of this breach, including the risk of financial loss and damage to my credit score.

I have taken immediate steps to mitigate the damage caused by this incident. I have contacted my financial institutions and placed a freeze on my accounts to prevent any further unauthorized activity. I have also filed a police report and contacted the credit bureaus to place a fraud alert on my credit reports.

Going forward, I am committed to being vigilant about protecting my personal information. I will be monitoring my accounts closely for any signs of unauthorized activity, and I will be exercising caution when sharing information online or over the phone. 

I sincerely hope that the individuals responsible for this theft will be brought to justice, and I urge anyone who has experienced a similar incident to take immediate action to protect themselves from further harm. 

I hope this helps! Let me know if you need anything else.
Product: Credit card or prepaid card

My card was being used fraudulently. I had 3 transactions that I did not recognize among the most obvious ones. These are the transactions in question : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX They are placing transactions on my card that do not belong to me. Once I raised that flag they opened a fraud case and wanted me to pay the full amount of the card before they would refund any money. They have shady practices and are accusing card members transactions being made when they are not.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, fraud, or unauthorized activity. I also request verifiable proof bearing my signature or electronic signature. This letter is being sent on my behalf, not through any third party, so please review it carefully. I did not authorize these actions, and they represent a violation of my consumer rights under the Fair Credit Reporting Act, Section 605B ( Block of information due to Data Breach or Fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ]. I have already contacted the companies involved and found that these actions were initiated without proper validation or original proof from any of the reporting companies. Since I did not authorize these accounts or inquiries, they are inaccurate and result from either a data breach or the unlawful reporting of my consumer information by creditors or a third-party data provider.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fullfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report.Furnishing inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreeliable responses, and failing to adequately notify consumers of despute outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided.causing ongoing harm to my credit standing.Iam requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer
Product: Credit reporting 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 XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX : XXXX  Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX has violated my rights. Or list of inquiries 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 c
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I was a co-signer for for my sister XXXX XXXX on a XXXX XXXX XXXX ( loan company Bridgecrest ). During the Covid pandemic in XXXX my sister lost her job and was not able to make the payment on time every month so it went into collections. My sister was able to land a new job and pay off the past due balance XX/XX/XXXX and have been paying on time every month since then. Our credit report is showing that the account is closed with a repo. We have tried to get this issue resolved with all 3 credit bureaus and Bridgecrest but apparently the status is accurate. The vehicle was never repossessed. Attached is the agreement that bridgecrest made with my sister as well as the most recent payments we have records of more if needed.