23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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, US DEPT ED, US DEPT ED, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

If a company does not own a loan portfolio anymore, they do not have the legal right to continue to report such to the credit bureau. It will amount to double jeopardy when you are eventually contacted by another company seeking to collect. 
I want XXXX XXXX to completely delete any financial report issued to the CRA on my name and identification since they are associated with the loan portfolio anymore.
Product: Checking or savings account

XX/XX/20, I called BBVA to dispute XXXX XXXX in XXXX {$200.00} or so. XXXX, I called BBVA to report I received {$150.00} from XXXX XXXX and they still owe me {$58.00}. I asked the BBVA fraud rep. what has BBVA done yet? He said they are checking on it. I asked did BBVA write XXXX a letter or call? He had no answer and said it could take up to 90 days. I told him that is rediculous. 
BBVA hasn't even contacted XXXX XXXX. This is consumer fraud by BBVA. I want my {$58.00} back now. There is no law banks get 90 days to do a dispute.
Product: Credit card

Capital One requires the complaint be done by phone, then says they do not keep the recording or transcripts of the call. Then they require it to be in writing, and then they deny that and require more information. It has been since XX/XX/XXXX and a few iterations. I am providing the same information and both companies are trying to say that a hotel room booked through XXXX is not fraud when I was not able to stay in the pet friendly room due to a large puddle of XXXX in the floor and an overwhelming odor of XXXX filing the small room. I requested they clean they room. They refused to clean the room, and refused a refund or proof of cancellation. 

I contacted both XXXX and Capital One the moment I left the hotel, because I needed help with getting access to those funds that day. I had to sleep in my new apartment floor ( tile ) on a yoga mat for two days. This hotel most certainly should not be paid and needs to be shut down for health code violations. 

Capital One and XXXX are not protecting consumers. Capital One is harassing their own customers to deny legitimate claims .. this is one of several this year they have utterly harassed me over when they had more than adequate evidence to support the fraud claim. I am told I must call to file a dispute. Then I am sent a letter I am told I do not have to fill out, and then sent a letter saying the dispute was denied because it was not filled out, and then the circle of crazy that is wasting time and making it harder and hard to keep up with goes round and round while the three corporations make money while the consumer get exactly ZERO VALUE!! They are saying that services not received due to a unsanitary conditions that pose a health hazard is not fraud. They say it is a dispute on a legitimate charge. REALLY??? 

NO! They are creating a triangle where the consumer gets screwed. So XXXX gets their cut, Capital One gets their interest, and the hotel that should be shutdown gets to make money they did not earn for unsanitary conditions!! That is exact what FDIC was created for .... NOT! 

Capital One Case # : XXXX... with XXXX for {$190.00} Capital One Case # XXXX .... XXXX XXXX XXXX {$40.00}
Product: Mortgage

We were working with XXXX XXXX to obtain a home mortgage where we were working to close on XXXX/XXXX/16. On XXXX/XXXX/16 the loan was denied. The reason given was my spouse was on XXXX and her income was not stable after returning to work, with the same company she was been with for 17 years. She returned to work XX/XX/XXXX and has been working full time since then. Therefore they would not use her income for verification of the loan process and we were denied. During her leave the Union created a new agreement where the pay was increased. We were told it was such a significant change that they can not use her income.
Product: Debt collection

I requested a collection account validation I sent a certified letter the Cadillac accounts receivable to validate the debt the debt was alleged on XX/XX/2014 the alleged amount was {$770.00} I have called them several times without any response all I've been is hung up on they will not validate this debt also it's in violation of the federal and state HIPAA privacy laws the Fair Credit Reporting Act the Fair Debt collection procedures Act and the definition of my character I would like to have you investigate this for me because I'm not getting anywhere with this company.
Product: Credit card

I called Capitol One on XXXX/XXXX/XXXX to ask a question about my account. The agent I spoke with answered my question, then told me ( without my asking ) that, as I had been paying my bill on time every month without fail, that I could have my annual fee of {$39.00} refunded if I called back in XXXX. He offered to note my account to that extent, and I hung up, surprised and pleased that Capitol One would offer this service. Of course, I was less that pleased when I called back on XXXX/XXXX/XXXX and found that my account was n't noted and that this was not something that could be offered. I asked to have it upheld nonetheless, as this had been offered unprompted or unsolicited by me, only to be told that nothing could be done without a promotional code. I spoke with a supervisor, who apologized and assured me they would 'speak to the agent ', but this does nothing to mitigate the deception that took place in regards to what happened. Essentially, the agent lied and no real action is being taken about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Credit reporting or other personal consumer reports

I was stunned this morning when I saw inaccurate accounts on my credit report, and I cant understand how this happened. I regularly check my credit report, but this time, there were discrepancies that seemed to come out of nowhere. I tried refreshing my browser, hoping it was a technical issue, but the inaccuracies stayed. Because of this, Im asking that the documents Ive submitted be carefully reviewed to ensure I wont have to worry about this happening again.
Product: Debt collection

I have no knowledge of XXXX XXXX. I did not sign a contract with them.
Product: Money transfer, virtual currency, or money service

Coinbase without warning, explanation or help resolving stopped sending me the text message codes to access my account. For over 3 weeks I have not been able to see where my money XXXX XXXX XXXX is. They will not contact me XXXX other than automated emails ) in a meaningful way and have not resolved this situation. I believe they stole my money. I simply want to sell and leave this terrible ordeal behind me. I was under the impression that because they were a publicaly traded company that there was some oversight but appears they can behave fraudulently without XXXX and get away with it. There are many complaints and a lawsuit in regards to this behavior. I wish I knew this before I used their exchange. I need your help.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX  XXXX Balance : {$260.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I applied for the Chase Southwest Rapid Rewards credit card in XXXX, which has a {$69.00} annual fee. When I initially called Chase to ask about the terms, I got an impression that the annual fee was tied to my Southwest Rapid Rewards program, which would give me discounted flight prices. I used the card only a few times in XXXX and once in XXXX. I had not used the credit card for any purchase since XX/XX/XXXX, but had to keep this card active and paid the annual fee every year just to get the " member discount rate '' to fly Southwest, which was never true.

Recently I got charged again for the {$69.00} of annual membership fee, and I called Chase to find out what they really meant by the membership fee. The person who talked to me on the phone told me that the fee has nothing to do with the price of Southwest flights. I then asked her to consider refund me the annual fees that I paid for XXXX through XXXX because I had never used the credit card and had a misunderstanding about the fee. She said she could only remove the fee for XXXX and by paying the annual fee, I got XXXX Southwest points each time. However, it doesn't sound reasonable to pay {$69.00} just to get XXXX points. I feel being misled and these charges are not fair.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a pressing issue regarding the failure of the credit bureaus, particularly XXXX, to promptly investigate and update me on the status of my dispute letters, which were submitted more than 30 days ago. The dispute letters were intended to address inaccuracies on my credit report, and despite the lapse of the legally mandated investigation period, there has been no resolution or communication from the credit reporting agencies. 

On XX/XX/XXXX, I submitted dispute letters to XXXX concerning certain accounts on my credit report that I believe contain inaccuracies. To my dismay, despite the 30-day window stipulated by the Fair Credit Reporting Act ( FCRA ), I have not received any updates on the status of the disputed accounts from XXXX or the other credit bureaus involved in the dispute process. 

To compound the issue, I engaged in a conversation with a representative from XXXX on XX/XX/XXXX and XX/XX/XXXX, during which they confirmed the receipt of my dispute letters. Shockingly, the representative disclosed that the disputes had not been entered into the system for investigation. I have meticulously recorded this conversation and can provide the recording as evidence. 

As per my understanding of the FCRA, if accounts are not investigated within 30 days of a dispute being entered, they must be promptly removed from the credit report. It is deeply concerning that this mandatory investigation period has been exceeded, and the credit reporting agencies have not adhered to their responsibilities under the FCRA. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that my rights as a consumer are protected. I seek your assistance in compelling the credit reporting agencies, especially XXXX, to promptly investigate the disputed accounts and provide me with the necessary updates on the resolution
Product: Credit card

I am filing a complaint against Bank of America ( BOA ) Credit Card for re-billing a charge of {$380.00} to XXXX TX that occurred XX/XX/XXXX. ( Attachment Item 1 ). I had called XXXX from XXXX using my ( BOA ) credit card to re-book a flight back to the US from XXXX on XX/XX/2016 on XXXX airways. However, when I went to the airport and showed the authorities a copy of the e-mail that I received from XXXX, I was not allowed to board the flight back as the security as very tight at the airport because of the terrorism problems in XXXX. The airport authorities said I could not board the flight without a hard copy of the ticket. I tried calling XXXX from the airport but no one answered the phone. XXXX never even gave me a contact number of XXXX to call and get help. The sudden flare up of the airport security issue caught me by surprise and XXXX could have sent me an email warning me of the situation or even sent me an electronic ticket, but they did not do that. They were of no help after taking my money. Since I was unable to board the flight I had to call XXXX airways directly, to re-book a fresh return ticket for {$680.00} and I returned to the US on XX/XX/2016 ( Attachment Items 2 and 3 ). After returning to the US, I called BOA to complain about XXXX and BOA reversed the charges ( Attachment - Item 4 ). But in the recent BOA statement, this charge of {$380.00} was reapplied with no explanation ( Attachment Item 5 ). I was not given the opportunity to explain and send in the documents to BOA to prove to them why I demanded my money back from XXXX. I would like BOA to refund me money.
Product: Credit reporting or other personal consumer reports

Experian has been reporting inaccurate names, addresses and phone numbers on my consumer report. I do not associate with the inaccurate names, addresses and phone numbers Experian has on file. Attached is a notice of dispute of me listing the inaccuracies on my report. Along with a copy of my state ID and recent bank statement proving my accurate address
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Account Holder XXXX XXXX XXXX  Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX Original Creditor Account XXXX XXXX Date Opened XXXX XXXX XXXX XXXX  Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX XXXX XXXX  Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX XXXX  Original Creditor Account # XXXX Date Opened XXXX XXXX This is considered willfull damage according to 15 U.S. Code 2072 - Suits for damages a ) Persons injured ; costs ; amount in controversy Any person who shall sustain injury by reason of any knowing ( including willful ) violation of a consumer product safety rule, or any other rule or order issued by the Commission may sue any person who knowingly ( including willfully )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report! Attached to the SSN! TRANSUNION, XXXX, AND XXXX HAVE 1000 % VIOLATED THE FCRA AND I AM HIGHLY XXXX ABOUT THIS! I looked over the credit report and there are some addresses that appear incorrect. Not only did I find addresses, BUT I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT, INCLUDING ACCOUNTS I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I have included documentation providing proof of my current address, social security card, passport, drivers license and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY BEFORE A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED ON A CONSUMERS CREDIT REPORT. AND THE INFORMATION ON THE TRANSUNION, XXXX AND XXXX credit report is not accurate and ITS COMPLETE XXXX! Ive spoken to a lawyer and he tells me that I COULD EASILY take this to COURT and fine TRANSUNION, XXXX AND XXXX {$1000.00} per VIOLATION ( and there are MANY VIOLATIONS )! I DEMAND YOU, TRANSUNION, XXXX AND XXXX TO REMOVE ALL THESE FRAUDULENT, INACCURATE ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT TAKEN OFF OF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS LEFT ON THE CREDIT REPORT.

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS, THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUIT LIST : TRANSUNION, XXXX, XXXX 15 USC 1681 SECTION 602 A states I have a Right to Privacy!

15 usc 1681 SECTION 604 A SECTION 2 also states a Consumer Reporting Agency Can not Furnish an Account WITHOUT My Written Instructions!!! 
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 

TO MAKE THE DELETION PROCESS EASIER, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP AND FRAUDULENT REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP : ACCT NAME XXXX XXXX XXXX  XXXX XXXX XXXX TRANSUNION, XXXX, XXXX XXXX XXXX XXXX TRANSUNION, XXXX, XXXX XXXX XXXX TRANSUNION, XXXX, XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX, XXXX XXXX XXXX XXXX TRANSUNION, XXXX, XXXX XXXX XXXX XXXX TRANSUNION, XXXX, XXXX Unauthorized Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX via XXXX Inquiry Date : XX/XX/XXXX XXXX via XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

Portfolio Recovery Associates sent me a letter stating that I owe them money for an old unrecognized credit card debt that I disputed as not mine, or no knowledge of this debt. 
I have an open unresolved dispute with XXXX and I noticed that this Portfolio Recovery Associates flagged my credit reports as " Collections '' on two separate occasions right after I opened this dispute with XXXX for this alleged account. 
My dispute is currently still open as to verify the accuracy of the data and ownership of this alleged debt. This company continues to damage my credit score even while there's an open dispute that has not been resolved as of today XXXX. 
My dispute with XXXX was opened on XXXX Portfolio Recovery Associates Flagged this disputed account on my credit report as " Collections '' on XXXX and on XXXX. ( I attached a copy of my XXXX alerts to show the above mention actions done by Portfolio Recovery Associates.