23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXXXX/XX/year> I made a purchase via internet for {$450.00} -Purchase was made via my XXXX account -Selected method of payment through XXXX was via my Capital One credit card ending in XXXX which is linked to my XXXX account -I never received the item purchased, and seller never responded to requests for information. In short, the seller disappeared with the money -On XXXX XX/XX/year> I opened a case with XXXX stating that the purchased item had never been received and that seller was not responding -On XXXX XXXX I escalated the case and asked for a XXXX review of the matter -On XXXX XX/XX/year> at XXXX I received notification from XXXX that the case had been settled in my favor, that a full refund ( {$450.00} ) had been sent to my Capital One account, and the case was closed. 
-Capital One did not credit this refund/payment until XXXX XX/XX/year> and then dunned me for a {$25.00} fee for a late payment even though they had received the refund on XXXX XXXX -On XXXX XX/XX/year> I contacted Capital One Customer Service by phone to dispute this late charge, and was informed that the late charge was valid and that it could not be reversed. I then escalated to a supervisor and received the same reply, i.e. that it was impossible to reverse this late charge -I maintain I do not owe this late charge because a fraud had been perpetrated and the money had been refunded to them by XXXX XXXX the date that the payment became due on the Capital One account -I further maintain that Capital One has no reason to impose this late charge because the payment had been received by them on time. Further I maintain that if it took Capital One a couple of days to credit the payment, that is not my problem. They had the money in-hand by the due date. Further, supposing I, and not XXXX, had actually made a payment to that account on XXXX XX/XX/year>, Capital One would have credited my payment as having been made on that date, so why did they not credit the XXXX payment as having been made on that date? 
-In short, Capital One deliberately created a problem where there did not need to be a problem and then blamed me as if I had created the problem
Product: Credit reporting or other personal consumer reports

I have sent XXXX XXXX multiple request for removal of late payments off of my credit report for XX/XX/year> and XX/XX/year>. In communicating with this company, they have stated on multiple times that these XXXX late items should have been reported to the credit bureau and the only thing I had to do was call each of the credit bureaus, dispute and they would contact XXXX XXXX and these delinquency would be immediately removed due to the Coronavirus Aid Relief and Economic Security Act ( CARES Act ) which provides relief measures through XX/XX/year> and no late payments should have been reported during this time.
Product: Credit reporting or other personal consumer reports

FCRA 605B might require us to eliminate any erroneous accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccuracies regarding reporting, with incorrect amounts and dates being reported.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH PHOENIX FINANCIAL SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Student loan

I have almost XXXX in student loan debt through Navient, previously XXXX XXXX. Several times over the course of my loan since my attendance for graduate school they have continued to increase my payment though I do not have enough income to pay such large payments with XXXX other student loans I pay every month. It has gotten to the point, when I called today, that they will not lower, reduce or settle my payments from almost XXXX/mo because I have a consigner and they show he can pay. They constantly call and hang up with both me and my parents. XXXX us into making payment saying they will 'find a way to get the money they are legally owed ' and told me that even though it is my loan, they show that I can not pay that amount every month, that unfortunately my father can according to their records so he will have to pay it. As you can imagine my father is no longer speaking to me as a result of this disillusioned student loan debt fiasco. No one will give me a loan so I can get them off my back for that amount. They are n't willing to settle one without both. They basically tell me I have no other option but to pay. The way they have spoken to me on the phone and told me it 's pretty obvious I ca n't afford it but that 's too bad my dad can. But they ca n't either. It 's an unrealistic request. On top of that, I have paid on good faith for a long time, they were never willing to release my father as a consigner though their website says after a year of good payments they will with a request. I have filed bankruptcy, I have tried to negotiate, I have called and tried to continue paying on time, now with the recent call today and their cruel attacks at my payment issues and telling me that 'obviously I need to get a second job to pay them. ' Has me at my last rope.
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 U.S.C 1681. 
XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX  XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxx # # XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX Account # xxxxxx XXXX XXXX XXXX XXXX  Account # xxxxx XXXX XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX CARD Account # xxxxxxxxxxxx XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX & XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXXt # xxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX # xxxxxx XXXX XXXX XXXX # xxxxx XXXX XXXX XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX Account # xxxxxxxxx XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX 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 an account without my written instructions. 

15 U.S.C.1681 C. ( 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 crime which antedates the report by more than seven years.

15 U.S.C. 1681 S-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, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a Moneygram money order for {$500.00} to pay a bill. A few minutes after making it out to someone I found out I did not have to pay that bill. Neither the store that sold it to me nor my bank would cash it so I went online to moneygram.com and completed a refund request form. I am attaching the acknowledgement letter I received frim XXXX. stating my refund will take 3-4 days as I requested expedited processing for {$45.00} and overnight mailing for {$22.00} for a total cost of {$67.00}. I did upload to the XXXX website photos of the money order & the stub receipt as I still had & have in my possession within minutes of moneygram requesting them on XX/XX/XXXX. I called after a few days to check the status and a rep told me they had received my uploaded photos & my refund would be issued on XXXX XX/XX/XXXX. I just checked their website & my claim is still sitting with no progreess andNO refund. That department does not take calls and I was told the managers were not available to speak with me! 
This is completely wrong and seems like theft and there should be something that can be done!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to address fraudulent or erroneous information reported to my credit. I am aware of being impacted of several breaches however, I am unaware of who may have compromised my information. The way the accounts are reported and the timeline of event do not reflect my proven financial behavior patterns and I have tried to dispute and file an identity theft report, these accounts were not opened by me and I am seeking a correction. I am running out of patience, I've been trying to get these accounts removed for months now. On XXXX I filed the identity theft report in which I outlined those accounts that I do not recognize ; XXXX XXXX XXXX {$6300.00}, XXXX XXXXXXXX {$2900.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXXXXXX XXXX {$2500.00}, XXXX XXXX  XXXX {$0.00}. I have also tried to resolve these issues on my own however, as the consumer and the victim I have found the companies and reporters involved to be unreasonable and nonchalant when it comes to investigating. I am hoping that this complaint will address these issues and remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification that I open a loan with a company and it was not me.
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 U.S.C 1681. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section2 : 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 antidates 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: Money transfer, virtual currency, or money service

My Coinbase account has been compromised and I am unable to log into my account. I have tried to get support to resolve the issue with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying for several months to get the following information corrected that is inaccurate : Account opened XX/XX/XXXX & closed XX/XX/XXXX, shows two late payments that fall under the Cares Act and shouldn't be reporting late. This account is also reporting as being included in a bankruptcy when it wasn't. 
Account opened XX/XX/XXXX, is showing a balance and open when it has been paid off in full since XX/XX/XXXX. 

The local store won't work with me and continues to tell me there is nothing they can do. The Credit Bureaus keep reporting the disputed inaccuracies as verified, when the information is clearly not accurate. I'm at the point of launching a lawsuit.
Product: Credit card or prepaid card

I have been with capital one, from XX/XX/XXXX, I used to get my statement in the mail, until I move to my new address last year, which is XX/XX/XXXX, They change the payment date from the XXXX of each month, to the XXXX of each month, I wasn't notified, I only saw it when i logged into my account online.. 
Now, the due date is the XXXX of each month, I logged into my account to pay my bill, mine you, I pay XX/XX/XXXX at XXXX pm, and Capital one still charging for late payment. This is Scamming on a different level, How can they charge for late payment, when I am paying on the due date.. Is this possible?? Let me know.
Product: Credit card

Using citibank credit card, my flight was booked incorrectly by XXXX XXXX. When I booked the flight, i booked for XXXX passengers. XXXX didn't send any email containing passenger details. They just mentioned flight number, date and confirmation number. On the day of travel, when I tried to check in online, it issued only XXXX boarding pass. Upon contacting XXXX they said it wasn't booked for XXXX passenger and then they started asking for proof, how can i give proof if they never sent comprehensive email with correct details? They admitted the mistake but still they are refusing to refund my amount and I ended up following up with them and credit card company. They didn't care much and closed the dispute in favor of XXXX XXXX while the credit card companies claim that they help with travel issues etc!. At the last minute, I had to travel with expensive end moment tickets. This is so unfair and unethical practice by airline and unsupportive credit card companies. I have lost {$540.00} and had to spend additional XXXX for new last minute tickets.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has run my credit multiple times without my knowledge on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX discover has access my credit without my knowledge on XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This was my follow up for my issue that I recently forwarded to you. Again, it has come to my attention that there has been a compromise regarding my credit with your institution. I have been made aware that despite being accompanied by an FTC report # XXXX, you have neglected to remove certain items. It is imperative to emphasize that under section 605b of the FCRA, you are legally obligated to expunge accounts determined to have been opened through fraudulent means. The disputed accounts in question were initiated without my authorization. Enclosed herewith is the requisite FTC Report bearing reference # XXXX. I urge you to promptly eradicate these accounts. Failure to furnish records and insistence on the validity of these items will compel me to pursue legal action. Neither I nor my legal representative tolerate any form of subterfuge. Therefore, I implore you to adhere to the stipulations of the law for the swift resolution of this matter. Kindly remove the disputed items, as they were unauthorized and contravene Section 605B of the Fair Credit Reporting Act : XXXX : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2024 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$2000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00}
Product: Prepaid card

On XX/XX/XXXX maybe even XX/XX/XXXX I had had filed a claim with Bank of America prepaid cardholder services and I was calling XXXX  days later to check the status of my claim and there was not even a claim opened they were supposed to have file a claim in a hardship and they filed neither on the XXXX whenever I had called and then I have been having problem after problems since I sent in a four-page handwritten statement a copy of my eviction notice text messages were the girl had bragged about stealing my money and they are yet to do anything about it and I've been sentencing XXXX  XXXX weeks ago and I need my money it's XXXX I do believe and this is getting ridiculous I shouldn't have to beg for what was mine to begin with I really wish they would just fix my problem because I didn't ask to be robbed and this is getting more and more ridiculous by the day they keep giving wrong information in the claim department no one really knows what they're talking about like at all whatsoever and it's getting more and more ridiculous I just want what's my nothing more nothing less.
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 : Creditor : XXXXXXXX XXXX  Account Number : XXXX - Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding incorrect information on my credit report, which I have attempted to resolve directly with Experian. On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report, and as of the date of this letter, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$710.00} Please correct this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Please correct this inaccurate information on my credit report.
Product: Credit reporting

To whom it may concern, I recently applied for credit with my bank and was declined because of a low credit score XXXX from XXXX three ( 3 ) months prior. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible minority individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suit to challenge the status quo of the following organization. These agencies consist of XXXX, Trans Union and XXXX. Please inform me about how I can pursue to challenge and correct this matter, XXXX - XXXX
Product: Credit card

I applied for and was approved for a credit card with XXXX XXXX ( Commenity Bank ). I was not provided the terms and conditions at the store, being told they would be sent to me in the mail with my card. I did not receive the card, the terms and conditions or my first billing invoice. I only received the second invoice which listed a 27 % interest rate, a late fee and a monthly {$2.00} minimum activity fee. I called and immediately closed the account and authorized full payment of the account balance through the automated system. This amount was not deducted from my account, but instead a {$37.00} late fee was added and the account marked late on my credit report. I attempted to corrected this with Commenity but was told they they would not remove this incorrect information because they attempted to contact me through a phone number that I never had.
Product: Credit card or prepaid card

My son accidentally used a BB & T ( now Truist ) credit card on XX/XX/XXXX while out with friends to buy {$32.00} worth of food for lunch. He does not have a relationship with Truist other than this card. I co-signed for this card 5+ years ago with a limit of {$500.00} so he could start working on his credit score. I do have an extensive relationship with Truist and have been a customer for 24 years. He did not get a statement so they added interest and late charges for 2 months and contacted the credit agencies. I saw something on my online banking and looked into it and after researching realized it was reward points that had not been used. Last Friday, XX/XX/XXXX, I saw on my online banking a {$93.00} charge and told him right away. I realized it was late and transferred the money right away to pay it. He checked his credit score over the weekend and it has dropped XXXX points. I called Truist right away on Monday and talked to a relationship banker and she said she would fix it right away. She then called me back and said there was nothing she could do. The business banker called me on my cell phone ( which they have in my file ) and said there was nothing he could do either but I should keep him updated on what happened with my credit. Truist has sent me 23 messages on my online banking account since XX/XX/XXXX and not one was about the credit card not being paid. I checked my credit and it has dropped XXXX points as well.
Product: Credit reporting

The credit bureau Equifax refuses to remove an item/account in dispute that I have provided documentation for from the collection agency that states they will request to have this item/account deleted. I 've spoken to several agents all with different answers and no solution. One agent ( XXXX ) claims the document was n't legible, so I 'm submitting the document in this complaint to ensure legibility.