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

This is a complaint about my credit card company called Capital One ( phone numbers : XXXX, XXXX ) They have failed to provide credits for a transaction that I have been disputing since XX/XX/2018. 

In brief, I am attempting to receive full credit for {$660.00} from my Credit Card company called Capital One. This amount resulted from an automatic transaction made by a merchant called XXXX. This credit card transaction occurred on XX/XX/2018. 

On XX/XX/2018 I received an email from the XXXX merchant. This email stated that I received a refund of {$200.00} referencing the above XX/XX/XXXX transaction. I subsequently determined that this refund was not reflected on my credit card. Therefore, I contacted the merchant and was told that I needed a letter from Capital One to confirm that the credit was not applied. 

I contacted Capital One on XX/XX/2018 in order to request the letter for the merchant. Capital One stated that they do not provide letters and the only recourse is to issue a charge-back for that amount. The charge back was issued for the amount that was supposed to be refunded {$200.00}. 

When the merchant received the charge back they suspended my account. Referencing the email dated XX/XX/2018 from the merchant called XXXX billing ... they admit that my " refund for {$200.00} was not successfully processed. '' Up to this point I have done nothing except follow the directions from the merchant and Capital One. My account is now effectively closed through no fault of my own and I expect a full refund of {$660.00}. 

I have received credits totaling {$430.00} against the debit transaction of {$660.00}. This leaves {$220.00} unaccounted for. Over a period of 6 months I have called Capital One approximately 9 times regarding this disputed transaction and the unaccounted for amount of {$220.00}. Many of those calls ( but not all ) are documented as follows : Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX hour XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX hour, XXXX minutes During many of my calls to Capital One I have been told ( again and again ) that the merchant would have 45 days to respond to any dispute. And yet this has dragged on for 6 months. On XX/XX/2018 I uploaded supporting documents to Capital One. Obviously, we are now far beyond the 45 days. I can provide a recording of the XX/XX/XXXX call to Capital One. As I have indicated many times, I still need a credit for {$220.00} to resolve this dispute. 
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Product: Debt collection

A {$9400.00} loan for a non-degree certificate program I participated in ( XXXX XXXX ) was sold to a XXXX party servicer. I recently received notification of an unpaid balance of {$1100.00} from SIMM Associates , Inc . It appears that SIMM Associates , Inc. reported this missed payment incorrectly. The program through which I incurred the loan with XXXX XXXX has a contract stating that the loan I took out is not credit bearing and is interest free. In XXXX of XXXX, a payment of {$6000.00} was applied to the principal balance, but XXXX XXXX XXXX XXXX have been harassing me for payments ever since. I have also been receiving repeated phone calls after having notified the XXXX XXXX representatives that I currently am XXXX. Under the agreement from the program per the program contract, payments can be paused for up to XXXX months at a time if program participants are unemployed. This pause can be renewed without any limit. Furthermore, there is a recorded phone call I had with a XXXX XXXX XXXX in XX/XX/XXXX during which the representative stated that there was no deadline to submit confirming unemployment documentation, yet XXXX XXXX  has continued calling me multiple times a day. XXXX XXXX XXXX XXXX reviews on SIMM Associates XXXX Inc. reflect that this lender frequently operates fraudulently at the expense of unsuspecting consumers. It is unclear what the connection is between XXXX XXXX, who the loan was supposedly sold to, and SIMM Associates , Inc .
Product: Credit reporting or other personal consumer reports

I do not recognize these addresses please remove. Thank you XXXXXXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts are inaccurate. 
XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX {$180.00} XXXX XXXXXXXX XXXX Opened XX/XX/XXXX {$200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$420.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$550.00} XXXX XXXX Opened XX/XX/XXXX {$610.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$710.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$820.00} XXXX XXXX XXXX Opened XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

Formal dispute of inaccurate information on my credit report. 
Ive disputed derogatory information on my report that werent recheck or looked into.
Product: Debt collection

I keep getting phone calls from a debt collector looking for my ex-wife. Her name is not associated with my cell phone number and they should not be calling me about her debts. I blocked the phone number the debt collector called from and now they call me using an unknown number so the phone call will still go through, leaving harassing messages.
Product: Mortgage

On XX/XX/XXXX I logged into my Flagstar account and noticed a refund of {$2000.00}. I immediately called Flagstar Bank because I know my taxes are coming up to be paid in which Flag star has not paid yet. I then called and spoke with two customer service reps who informed me the refund was a result of an Escrow analysis that was ran in XXXX. Today is XX/XX/XXXX and Flag star still has NOT paid my property taxes as of yet. I emailed my tax statement and bill to an email provided by the customer service rep. Both reps said its Flagstar fault because someone who works in the escrow department failed to check to see I had property taxes due that should be paid by now. In error they sent me a refund check and failed to pay my taxes. I am requesting that my property taxes are paid ASAP. I found out about this error by logging into my account. I was not notified nor did I receive an escrow analysis in the mail. My taxes need to be paid ASAP. Also, on today XX/XX/XXXX I have found out my mortgage has increased from XXXX to XXXX. It seems Flagstar may have did another mortgage analysis without my knowledge nor have they provided me documentation. The last statement and document on their portal says my next payment of XXXX is due XX/XX/XXXX. There is absolutely no other statement or documentation explaining the increase in mortgage nor have my taxes been paid yet.
Product: Debt collection

I am disputing the collection account reported by CMRE Financial Services , Inc. on my credit report regarding a medical bill from XXXX XXXX XXXX XXXX, on XX/XX/year>. Reference : XXXX This debt is inaccurately reported and is not valid because the medical treatment was related to an injury sustained while on a work XXXX in XXXX  and should be covered under XXXXXXXX XXXX XXXX  Although I provided my insurance at the arrival of the XXXX XXXX, I have been contacted by my employer 's XXXX XXXX XXXX department, and they are actively reviewing the claim and medical bills. 

Under 15 USC 1692e ( 8 ) ( FDCPA ), reporting a debt that is disputed or inaccurate to a credit bureau is a violation of federal law. Under 15 UCS 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ), furnishers must ensure all information reported is accurate. Since this bill is being investigated under XXXX XXXX XXXX, it should not be reported as a collection.
Product: Credit card

Self, Inc contacted on XXXX flagging potentially fraudulent charges. I did call them and confirmed that the charges were fraudulent. The marked some, but not all, as disputed, and also marked one legitimate charge as fraudulent. That seemed to be in error so I called again, and was told I needed to send an e-mail. I sent an e-mail and got a response that I needed to call. I replied saying I did call, but was told I needed to send the email. 

I then got information that the dispute was resolved and Self determined that no charges were fraudulent, stating that I had made purchases at those vendors before. Charges were at XXXX and XXXX, neither of which I have ever purchased anything with any card, let alone the Self card.

I did file an FTC Identity Theft report and forwarded it to Self asking them to re-open their investigation and they sent the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Product: Debt collection

This is not my account, my credit file has been frozen since XXXX or XXXX of 2021, therefore this account should not have been OPENED... THIS IS FRAUD
Product: Checking or savings account

I filed an ACH dispute after noticing fradualant and unauthorized transactions. Capital One 360 started a dispute and credited my account some 6100 plus dollars. Yesterday I received an email from Capital One saying their investigation showed everything but XXXX   dollars of that dispute was without error. When I called to follow upI was told my only recourse was to call XXXX XXXX and store card because they verified that I did indeed authorize the ACH transactions. So, I called and found that XXXX  of the more than 6000 dollars of transactions I disputed were for accounts I have with XXXX credit. The remainder of the more than 5000 in payments are not made from accounts that I own or are a co-account owner. Which means that the over than 5000 dollars in unauthorized ACH payments that XXXX   confirmed to Capital One 360 I authorized are in fact going to someone elses account. While I am sorry XXXX dollars I did authorize to pay my own accounts with XXXX were inadvertently roped into my disputesI am not satisfied that I am said to have authorized payments to XXXX accounts by ACH debit, when in fact, I did not authorize these debits. Anyone else who has debited my bank account is not an authorized signer on my bank account and I have not authorized payment to any account that I do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my reports. Remove them.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am writing to dispute the account XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible when XXXX XXXX does not own this debt? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. XXXX and XXXX do not report this agency as the debt buyer so why are you reporting a different company? The FCRA requires you to verify the validity of the item within 30 days and you have failed to do so. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. Please see the attached credit report and remove the inaccurate account from my credit report. I look forward to an uneventful resolution of this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

on my credit card statement it has your NEW BALANCE with interest & any new purchases. I paid the whole thing off, {$23000.00} .A few days later I got another statement saying I owed more interest. I called Chase & they told me I owed more? I filed a complaint with the XXXX & XXXX Office. Chase called me & sent my card holders agreement. I read this & no place on it does it have if you pay the New Balance off in full
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.
Product: Credit reporting or other personal consumer reports

The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX DEPT OF ED 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: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Self Lender in regard to inaccurate and damaging information being reported on my credit report for Account # XXXX. Specifically, Self Lender is falsely reporting a late payment for XX/XX/year>, despite the fact that my payment is not due until XX/XX/year>. There is absolutely no valid basis for this late payment to be reflected on my credit report before the payment due date has even passed. Furthermore, my credit report incorrectly shows my last payment as being made on XX/XX/year>, which is also false and inaccurate. I have made my payments as required, and Self Lender has failed to update my account with the correct payment information. These inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information be reported on consumer credit files. The reporting of this false late payment, along with the incorrect payment history, has severely impacted my credit score and financial standing, causing unwarranted harm. I am demanding that Self Lender immediately : 1. Correct my credit report to reflect accurate payment history. 2. Remove the false XX/XX/year> late payment entry. 3. Update the payment record to show my most recent payment date accurately. If this matter is not resolved promptly, I will pursue legal action against Self Lender for willful noncompliance with the FCRA, including seeking damages for the harm caused by this inaccurate reporting. I trust the CFPB will assist in holding Self Lender accountable for their obligations under the FCRA and ensure that my credit report is updated accordingly.
Product: Debt collection

I have asked Comenity Bank several times to stop contacting family members, but they do so constantly. My entire family is contacted frequently. My girlfriend 's family has been contacted as well. I receive more than 20 calls per day from Comenity Bank. When I answer, I am asked over and over to pay the full amount which has ballooned because of a single missed payment. It is harassment.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 biolated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter regarding inaccurate info and unknown things being on my credit report to transunion 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent information being reported to my file and needs to be blocked.