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

XX/XX/XXXX- Enroll to Capitalone 's XXXX XXXX XXXX  online and accepted XX/XX/XXXX - Used the card in XXXX and sent my full payment, along with {$390.00} Annual Fee. No problem. 
XX/XX/XXXX - Received an email to submit the following supporting documents. 
Government Issued ID/Drivers license - XXXX  Driver License Social Security Card Proof of Residence XXXX XXXX to XXXX Water Bill Bank Statements- XXXX XXXX  Checking from XXXX to XXXX XX/XX/XXXX - Successfully submitted the requested document. 
Case number XXXX Reference number : XXXX Around XX/XX/XXXX - Received a letter from CapitalOne saying the card will be suspended until further verification with the above-requested document. Made a call to CapitalOne told them I have already sent them all the document. Then they told me, it will take time to process and get back to me regarding the suspension of the credit card. NO ONE CALLED OR EMAILED OR ANY LETTER OF STATUS UPDATE from XXXX. 
XX/XX/XXXX - Called and talked to Agent XXXX, Agent ID : XXXX, and requested escalation to cancel my card and get the refund of my Annual Fee. He told me to wait for his supervisor, but I have to attend a meeting so I need to call back. 
XX/XX/XXXX - Called and requested escalation to resolve my annual fee with Agent XXXX, Agent ID : XXXX. The call was escalated to a supervisor name XXXX, and they said the case has been passed 40 days, so there is no refund, but she will escalate my case to their " Dedicated Team '' and someone will get back to me within 10 days. 
XX/XX/XXXX, & XXXX - I received emails asking me for payment. The card has been suspended since XX/XX/XXXX, and no one from CapitalOne has sent email, mail, or call to update on the status of my document submission, so I have no idea why there would be any charge to the credit card. Also, why would they refuse to refund my annual fee when they accepted my application online in XXXX, and then all of a sudden suspended my card and refuse to refund my annual fee of {$390.00}. It is a fraud to keep my annual fee. 
XX/XX/XXXX - One last call to see if their " Dedicated Team '' has any answer, but CaptialOne continues to have the same run-around. 

I hope CFPB can resolve this and get back my annual fee as soon as possible.
Product: Credit reporting

This is on all XXXX credit bureaus. On XXXX XXXX I traded in a XXXX for a XXXX. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-auto XXXX XXXX XXXX XX/XX/XXXX/14XXXX XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be XXXX loan inquiry for this purchase. This greatly effects my credit and my score
Product: Bank account or service

I received a mailer from Citibank in XXXX offering me XXXX miles if I open a Citigold account with {$50000.00} fund and complete {$1000.00} debit purchase and 2 bill payments in two consecutive calendar months. I went to Citibank 's XXXX branch and the branch manager XXXX XXXX personally helped me open the account and confirmed I 'm eligible for the promotion once I complete the requirements ( {$50000.00} fund, {$1000.00} debit purchase, 2 bill payments in two consecutive calendar months ). Please see the attached document she provided me on the promotion outlining the detailed terms. 

I completed all the requirements in XXXX and followed up on the promotion status in XXXX. The assistant bank manager XXXX XXXX has verified that I met all the requirements and she then submitted the request for XXXX promotion miles. 

I followed up again in XXXX through Citigold online customer service but was told that there is a {$300.00} issued to my account from another promotion therefore they will not be able to issue the XXXX miles. I contacted both XXXX XXXX and XXXX XXXX questioning why the {$300.00} promotion is something I 'm completely unaware of and never signed up for. They investigated the issue but came back only stating they are not able to change the promotion I received and therefore the XXXX miles can not be issued. 

I felt completely deceived. First of all, I was never aware of let along signing up for a promotion that offers {$300.00}. I only signed up for the promotion of XXXX miles which I received in the mail, and that is the only one both XXXX XXXX and XXXX XXXX has acknowledged to me. How the {$300.00} promotion got attached to my account seems very suspicious. If this is not deceptive act then I do n't know what is. 

The value of XXXX miles is much higher than {$300.00}. I would never open a Citigold account and funding it with {$50000.00} for a promotion of {$300.00}. However it seems Citibank 's XXXX branch uses the XXXX miles as a bait tricking customer into opening a Citigold account but then switch to a much lower promotion offer. This is an absolutely dishonest and fraudulent banking practice that no customer should ever experience. 

I have attached all the email communication between me and XXXX XXXX and XXXX XXXX. Please do n't hesitate to contact me if you require any other information regarding this matter. 

Thank you!
Product: Credit reporting or other personal consumer reports

After obtaining my consumer report, I noticed inaccuracies in the reporting of my XXXX XXXX XXXX account ( # XXXX ) by TransUnion XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to fair and accurate credit reporting. The account, opened in XX/XX/XXXX, does not contain all payment information from that date. There are inaccurate and inconsistent monthly ratings, with no ratings for XX/XX/XXXX and XX/XX/XXXX, which makes the reporting inaccurate. 

The account is also inaccurately reported as 120 days delinquent consecutively, instead of reflecting an increasing delinquent status each month. Additionally, there are incomplete, missing, or inaccurate details for balance information, past due amounts, and payments made. For example, balance information is reported only for XX/XX/XXXX and XX/XX/XXXX. TransUnion inconsistently reports a highest balance of {$1500.00} and a balance of {$16000.00} for XX/XX/XXXX, which is inaccurate. Similarly, for XX/XX/XXXX, a highest balance of {$2300.00} is reported along with a balance of {$10000.00} for the same month. 

These inaccuracies violate the FCRA, which mandates that credit reporting agencies maintain accurate and complete information. Specifically, FCRA Section 1681s-2 requires furnishers of information to report accurate information and correct any inaccuracies. Failure to comply with these requirements shall lead to the deletion of the inaccurate information from my credit report.
Product: Payday loan, title loan, or personal loan

Letter sent to the lender : Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state department of Financial Institutions and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX CC : Federal Trade Commission Better Business Bureau Florida State of Finance
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX to XXXX XXXX CFPB complaint # XXXX. 
I received my credit report by TransUnion by mail and indeed their investigation did not fix anything on my credit profile so today I am writing a complaint to fix the inaccurate information and asking for the CFPB to ensure that my rights are not being violated once again by transunion I am writing to file a formal complaint against Transunion a major credit reporting agency, against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - I have identified multiple discrepancies and inaccuracies in the reporting of my personal information, including addresses, phone numbers, on my credit reports provided by these agencies. The only correct name and address that should be reporting are : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX The following Are in error Phone Numbers XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Addresses are listed below XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX, XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX Pa XXXX These inaccuracies are not only damaging XXXX creditworthiness but also infringing upon my rights XXXX a consumer seeking fair and accurate credit reporting. As per the FCRA, I have the right to dispute any information contained in my credit report that I believe to be inaccurate. I have requested these credit reporting agencies to investigate these inaccuracies and delete these entries from my credit reports in accordance with Section 1681s2 ( a ) ( 1 ) ( E ) of the FCRA. However, these inaccuracies continue to be included in my credit reports, damaging my creditworthiness and infringing upon my rights as a consumer. I kindly request the CFPB to intervene in this matter and ensure that these credit reporting agencies comply with the FCRA. I also request that these agencies provide written confirmation of the removal of these inaccuracies within 30 days, as per Section 1681s2 ( a ) ( 3 ) of the FCRA. Thank you for your attention to this matter. I look forward to your prompt action in rectifying these violations and upholding the standards set forth by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was a victim of fraudulent charges placed on my credit card becuase of a stolen card number. I have reported this to the company and have recieved a new card with a new number, however, the card that I recieved has a contactless NFC chip installed. Using a cell phone with NFC capabilites, I had no problem getting the phone to read the card number, expiration date and CVV code. This is a very insecure sustem and I do not want this card since the information can just be stolen again. When I call in to request a new card, I am told that there is nothing that can be done and that I can not get a card the does not have this insecure feature disabled or removed. Since this is how the fraud on my account occured before I no longer trust this company since there is no way to opt out or ask for a card without this feature and there is no zero fraud liability and I am being asked to pay for the unathorized charges on this card. With this company, you are guily until proven innocent -- with the fraud department constantly siding with the merchants by not allowing customers to prove their side and rebilling those charges several months into the future, hoping the customer won't notice ; and even if they do, customer service will do nothing to remove those charges. While I can defeat this feature by wrapping the card in foil, one the card is removed from that foil to be used at a cash register, the card becomes vonerable again. I do not truse this technology, and will not fall for the lies of thier zero fraud liability claim.
Product: Debt collection

XX/XX/2023 XXXX XXXX, contacted me telling me I had a payment of XXXX to the XXXX at XXXX XXXX, I told them okay, can you inform me of the specific, they listed everything, I said alright. Is there website page or contract I can look into so I can understand see a full report, they told me no, you have to pay today, Im currently driving and said this isnt a time right now, I need to understand what Im paying cause I dont want to give my account out to people I dont know. Especially since I dont even have the funds today. They said we tried to reach out to you multiple times, via Mail, email, etc. I said I never had this before this is my first notice I didnt even know I had anything owed as I gave the XXXX my contact information when I left, they kept pestering saying well you need to make time right now, weve been trying to contact you over a year, even though I was just living there XXXX months back. So I told them when I look into it Ill contact them back and do what I need too but I need time and they said no you need to do this now. So I just hanged up and said bye as they were not willing to negotiate or give me anything to look into.
Product: Debt collection

So i called Professional Bureau of Collections of maryland and tried to see if we could settle an over due account. I spoke to XXXX XXXX at ext XXXX and then asked to speak to her manager, XXXX XXXX. she not only handled her job unprofessional and was disgustingly rude, she also prior to end of call on purposely hung up on me. 
I called back in to file a formal complaint against her and was transferred to XXXX XXXX and he was and claimed to be operations manager for the company. I spoke to him and tried to settle and work with the company to settle an old account. I reported my situation to him which he stated he couldnt speak on because he " didnt know of what happened. '' we could not get to settle anything and feel that this company has some beyond rude managers and have no respect for XXXX veterans! 
my outcome is that I would like the company to accept my settle amount for the inconvenient actions that the " manager '' XXXX XXXX took, by deliberately hanging up on me. i also would like a phone call back with an apology for her unprofessionalism!
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a national data breach, leading to false and inaccurate reporting on my consumer credit report. I reached out to XXXX XXXX to validate the debt, but they failed to do so. I also contacted Equifax, who maintains the error in my name being " XXXX XXXX, '' and have further neglected their duty to validate the debt and instead reported false and inaccurate information pursuant to the FCRA. This inaccurate reporting has damaged my reputation and severely impacted my quality of life. 

Enclosed is my ID, the FTC report and Equifax Data Breach Settlement information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous complaint I disputed my credit card reporting from my bank XXXX XXXX XXXX XXXX. My complaint was that they are still collecting monthly payments and reportING monthly like the account is open. I screen shot the credit beaurus response stating that my bank says that account is open. I screen shot the actual facts from the credit beauru that the account is CLOSED. I'm asking the credit bearus to use their common sense and not accept that the account is open if it's reflected on my credit that it's closed. I want this to stop being reported monthly and asking for monthly payments when my evidence shows this account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 

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

Per 15 USC 1681 FCRA as a federally protected consumer I am intitled to fair and accurate credit reporting. On XX/XX/XXXX I reached out to CREDIT COLLECTION SERVICE concerning a debt of {$98.00} which the original creditor was XXXX XXXX XXXX XXXX. I agreed to pay the debt with specified instructions that CREDIT COLLECTION SERVICE contact all credit reporting agencies reporting the collection on my credit profile and have it updated from a negative collection account to PAID IN FULL or PAYS AS AGREED promptly. As i've continued to monitor my credit profile through XXXX, XXXX AND XXXX the account is still showing as a negative remark in collection after ive given CREDIT COLLECTION SERVICE precise instruction as to the correct and accurate reporting of the account to my credit profile which they fail to perform and is a direct violation to my rights as a federally protected consumer.
Product: Debt collection

My information was exposed in the data breach. This information needs to be removed, do not turn my dispute into a third-party dispute. Section 605 B information should be removed from my credit report with in the next four days.
Product: Credit reporting or other personal consumer reports

This item has been reporting on my credit for over 8 years and needs to be removed as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion disputing inquiries on my credit report. I received a letter from Transunion that did not address my concerns at all and nothing was done. Today I called and spoke to some guy from XXXX who said his name was XXXX and know it was n't. I told him that I was aware of that in summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. He proceeded to tell me that it was not Transunion 's fault but it was the fault of credit karma. XXXX XXXX is owned by Transunion I demanded that he remove the inquiries at once because by law I have to be notified when an item is being added back to my credit report 5 days prior. He refused
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : Experian and XXXX are still violating my rights as a consumer, and I have reached out to try to fix this issues, without success. I am a victim of identity theft, and as a result XXXX XXXX XXXX account number : XXXX was deleted, but as of last month, the account was reinserted, and I filed a dispute immediately, on the XXXX of XXXX, and today is the XXXX of XXXX, and I have not yet received anything back from XXXX, or experian. My cfpb confirmation numbers to check the status of my disputes submitted on XX/XX/XXXX are : XXXX, and XXXX. 

According to 15 U.S. Code 1681i they have 30 days to investigate. 

The manner in which my credit file is currently being reported is not in compliance with the metro 2 laws. 

15 U.S. Code 1681c2 states all information related to identity theft must be blocked, and experian and XXXX claim XXXX XXXX XXXX informed them that the account belongs to me, but I have numerous times requested proof of verification or validation, and I have not obtained any proofs yet. 

The only name and address I am associated with is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX. Anything on file other than this information above is to be updated immediately. 

Experian and XXXX are violating the following laws the way that they are currently reporting my credit, 15 U.S. Code 1681b 15 U.S. Code 1681a ( 1 ) 15 U.S. Code 1681c2 They are stopping from reaching certain financial goals, and I want my credit file properly updated, and any non permissible accounts or inquiries deleted due to identity theft. I have provided my proof of identity theft, and am uploading additional documents with this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from funding loan services. I did not initiate these inquiries.