23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a capital one venture one card, they advertised while applying that this card comes with a welcome offer for bonus miles and 0 % apr for 15 months. ( See attached ) However after applying and getting approved the welcome offer was not available to me. In the approval email I received they mention that I will not get the welcome offer ( see attached ) I called up the bank for a explanation and they answered something along those lines we can not tell you the reason youre not eligible because this happens automatically through the system, but in the terms and conditions we mentioned that eligibility will be determined after approval however the terms & conditions does not say anything like that, ( see attached. I meet all requirements mentioned in the term & conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know why this is showing up on my report. I was offered a line of credit when I was considering dental work years ago but never signed up for anything. This is fraudulent. I did not receive any correspondence about this, never used credit care so why is it even on my report? I don't know anything about this account and I need to be deleted from my credit report. 

Also the report shows current on payments .... I have never made a single payment to this company so again this is completely inaccurate.
Product: Vehicle loan or lease

Professional finance I demand my right to subrogation as the Grantor/Beneficiary/Natural Subrogee in re XXXX I appoint Professional Financial Services as trustees to set off and settle this account at my direction as liable trustees.I demand return of the XXXX XXXXXXXX XXXX back to XXXX XXXX XXXX XXXX XXXX XXXXXXXXand all interest and monies accrued from account returned back to grantor/beneficiary/natural Subrogee XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

15 U.S.C 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I got personal Loan {$35000.00} and from very beginning it was auto payment it deducted my checking account. On XX/XX/2024 Whatever due amount I paid full Payment. I have proof with my bank statement and I got email from them about Full Payment I made. on XX/XX/2024. I got email from them on XX/XX/XXXX asking me " Make a Payment {$720.00}
Product: Checking or savings account

In response to your answer dated XX/XX/XXXX. You stated that USAA utilized Title 31 of the Code of Federal Regulations part 212 to determine how to handle my account. An the removal of funds from my account on XX/XX/XXXX. Ok so a few items that have brought questions after further review of that law. I have asked several times for a copy of the notice to garnish federal funds deposited that you state you were served, an have yet to receive it. There was also no mention of the letter dated XX/XX/XXXX from the Florida Department of Revenue releasing the funds in the garnishment order dated XX/XX/XXXX. Also when was the look back period into my account? According to the CFR title 31 212. It was supposed to happen within 2 days after receiving the order to garnish if it included a notice to garnish federal funds.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed. 

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. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports
Product: Debt collection

They call me ( from A LOT of different numbers EVERY day ) every day. E V E R Y day. I owe no one anything. I had my accountant ( a few years back XXXX help me fix all of my debt problems and now have a credit score of XXXX ... who ARE these jerks???
Product: Credit reporting or other personal consumer reports

My dad put a car in my name using a loan from XXXX XXXX and a settlement letter was sent to my home regarding this and said I must pay XXXX immediately. I explained to the consumers that I had nothing to do with it. I even told them that the information they had had wasnt even have the correct information on the mailing envelops so I never even saw or took the letters seriously ( BOTH MY NAME AND ADDRESS APT NUMBER WAS MISSING ). I even reached out to my dad who I asked to please get this vehicle out of my name and he stopped responding to me. XX/XX/XXXX I paid XXXXXXXX XXXX after explaining to them as well that I was not involved in this but Ill do what I can just to get this stuff off my credit. I never in my life had a vehicle or even know how to or what to do to purchase one.
Product: Credit card or prepaid card

In XXXX, 2019 I signed up for a Fronteir credit card, through the Frontier airlines booking website, after being targeted for a special offer of a {$200.00} statement credit after making an initial purchase. After paying my annual fee and using the card to make several purchases, I waited several billing cycles for the statement credit to materialize, but it never did. I contacted Barclays of Delaware by phone to inquire about the offer, and was told there was no record of this offer on my account, and that I would not be receiving my {$200.00} statement credit. The offer is still presented on Frontier 's booking site, and I unsure as to why they are not honoring it.
Product: Debt collection

Midland Credit Management LLC started garnishing my wages on a default judgement. I received a notice from the court At the time Midland was involved in an civil suit with 42 other states for there collection tactics. Midland lost the case so there reliability as a trusted business was far below standards of practice. Is this robo affidavits like the 1400 other claimed in ohio I tried an failed to verify the debt do to the pandemic no response. I soon realized that 98 XXXX  complaints in 2weeks I still ended up with a default judgment. Wages garnished no response from mid land credit contacted the attorney of there legal division for verification of who an what this 3rd party debt was no answer. In a time of a nation in crisis every state preventing garnishment an debt forgiveness and I front line defense an sole provider of a family of 3. I can not afford to be garnished. No date to appear in I owe the debt I would like a 609 form a call without a language barrier, no calls to my employer the writ was quite enough to tarnish my reputation of 25years of service. I have no other choice but to file complaints to XXXX  the state attorney general of Ohio and whom ever else I can to get this garnishment removed.
Product: Debt collection

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

XXXX XXXXXXXX XX/XX/2021 {$8800.00}
Product: Credit card

My ex wife got a card in my name with my information according to the card company they say its mine because we have the same address we havent had the same address in a year and a half they have a police report and refuse to remove the card the card company has since changed the phone number and address to mine from the one originally used to get the card
Product: Debt collection

Some years ago, I had my purse stolen. I reported it to the police department when I resided  in Florida  but  whomever  the person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.
Product: Vehicle loan or lease

I have moved from XXXX XXXX XXXX XXXX and informed Bridgecrest to transfer my title as I can not get tags without it. 

XX/XX/XXXX Called into Bridgecrest to get process on Title Transfer, spoke to agent id XXXX XX/XX/XXXX Emailed XXXX XXXX XXXX XXXX form to BridgeCrest as requested XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed I have bad tags on my vehicle and can be stopped and towed at any moment. They call for payments but have never called to try to resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX is being inaccurately reported on my credit report by Equifax and Experian and this account was deleted by Transunion.
Product: Credit card or prepaid card

Capital One informed me card was frozen. Some unknown person used my personal information to add him/herself as an authorized user of my VISA card. Capital One has cancelled that card, is issuing me another. Advised me to file fraud alert with XXXX ; have done so. Advised me to file same alert with FTC whose website directed me to your agency. 
I will now have to contact the many organizations whom I pay by charge ( to the cancelled card! ), as well as the many e-tailers with whom I do business. Until my new card arrives, I have NO credit card.
Product: Checking or savings account

XX/XX/2023, USAA Bank closed my account because they stated I used my account for business transactions. I clearly stated and can provide proof that my account is only used for personal transactions. I am in the military and because of this account being closed, I have to go through the process of updating the military with a new account for my military pay and this will take at least 30 days to process. This will have a financial constraint on my family and I pleaded my case over the phone and provided verbally what the transaction are and what they were for but they still closed my account. They also didnt take anything I stated into consideration and would not provide me any proof as to how my transactions in my account was business related. They just closed the account on an assumption and never confirmed with me about anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public.

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public. 
XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX {$390.00} High Balance {$390.00} Remarks Placed for collection XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1100.00} Term -- Monthly Payment {$0.00} XXXX XXXX XXXX {$0.00} Highest Balance {$740.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Paid collection XX/XX/XXXX Creditor Name XXXX  XXXX XXXX  Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 24 Months Monthly Payment {$0.00}  XXXX XXXX XXXX {$0.00} Highest Balance {$7700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late 0/0/0 Remarks Charged off as bad debt Dispute resolved ; customer disagrees XXXX XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment {$0.00} XXXX XXXX XXXX {$1900.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$1900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor
Product: Checking or savings account

Bank of America XXXX Merrill Lynch has decided to end our relationship without providing any explanation, and has frozen all of my accounts, refusing to provide me access to any funds. I have been a loyal customer for over 30 years, am a member of their Preferred Reward Platinum Honors program, have dozens of personal and business accounts with them ( checking, savings, credit cards, investment accounts, retirement accounts, etc... ). I have spent the majority of this week at the local branch trying to access my accounts, with the assistance of the branch manager, and every day ends with them telling me to come back tomorrow and try again. To make things worse, they are saying they will eventually mail me a check, weeks from now, for total value of my accounts, liquidating my investment accounts which will create a large taxable event for me, rather than allowing me to transfer the account to another institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : 1. ) company name : XXXX account numbers : XXXX date open : XX/XX/XXXX amount {$220.00} 2. ) company name : XXXX XXXX XXXX account number : XXXX Date open : XX/XX/XXXX XXXX. ) Company Name : XXXX OFXX/XX/XXXX Account number:XX/XX/4057XX/XX/XXXXDate XXXX amount : XXXX 4. ) Company Name : XX/XX/XXXX Account number : XXXX Date Open : XX/XX/XXXX amount : {$30000.00} credit Inquiries : XXXX BANK ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian when I noticed a discrepancy in my mortgage balance with XXXX XXXX. They are showing a {$150000.00} balance when, per the XXXX 's website, the current balance is close XXXX. I filed a dispute online with Experian. I provided screenshots of both XXXX 's webpage and even Experian 's ( expanded details on my XXXX 's account showing payments each month and that the running balance of the mortgage was also XXXX, just like shown by XXXX. ) I asked them to correct the amount, That was XX/XX/XXXX. 
Today - XX/XX/XXXX, I get an email stating the dispute has been " resolved '' and that the amount has been updated... STILL SHOWING AN ELEVATED BALANCE OF XXXX. They did NOTHING. 

Please note that ONLY Experian has this error. I checked with XXXX and with XXXX- THEY have the correct mortgage balance at about XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a new car at XXXX after careful consideration I decided to apply for a loan for the car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. I have reached out to the XXXX  and to my local police department. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing all of this on my own.
Product: Credit card

After months of refusing to allow me to freeze my credit card and refusing to respond to dispute notifications, Capital One issued me statements filled with anonymous purchase adjustments. This was after they attempted to claim XXXX and XXXX had strict 60 day policies before reversing the decision in light of theft, the same as XXXX and XXXXXXXX XXXX  And it was after retailers refused to issue me refunds they already confirmed I were due, many of which still have charges that XXXX and XXXX XXXX continue to refuse to address. This is similar to both XXXX XXXX XXXX XXXX and XXXX XXXX in that XXXX simply refuses to respond to notices of fraud and XXXXXXXX XXXX  refuses to issue decision notifications or issue refunds for refunded items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new vehicle from XXXX XXXX in Michigan where the salesperson fraudulently had me " robo '' sign documents, which I signed and the figures were later changed. The initial lender was XXXX XXXX and it was transferred to XXXX XXXX. When I turned the vehicle in, the balance was and had always been paid in full, except when XXXX refused to address the fraud at the start of the loan. The Car had some damage, which was paid for in full by my Automobile Insurance Company, XXXX, to XXXX but they are still reporting a negative account on my 3 Credit Bureau Accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$160.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting late this is inaccurate.