23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

From XXXX XXXX, I traveled to XXXX XXXX XXXX I tracked all the charges on my CapitalOne credit card during thsi trip. I recognized all the charges and paid in full. On XXXX XXXX, I noticed a charge showing XXXX XXXX for {$XXXX} in XXXX XXXX XXXX XXXX transaction date of XXXX XXXX. I was suspicious from the XXXX month delay and did not recognize the name or the amount. I used the CapitalOne app to dispute the charge. XXXX days later, CapitalOne stated that the charge is valid. I then called and spoke to the investigation department and the representative, I believe his name was XXXX, told me that the chip in the card was used, therefore it had to be valid. I asked what was bought. They said this business shows as a frozen food company, beef and seafood. I responded that I did not buy {$XXXX} of frozen food while staying in a hotel room. I would remember carrying a lot of food and having no storage in the the hotel. They said it was made in person at XXXX on XXXX XXXX in XXXX XXXX XXXX I told them it had to a faked chip because I didn't buy that much food. I also reminded them that I have had this card over XXXX  years and pay everything on time. They said it doesn't matter and the charge will stand. I doubled checked my movements on XXXX XXXX and at that time it shows that I had already traveled to XXXX because my flight left at noon on XXXX XXXX. I have also searched and found that XXXX XXXX XXXX comes up as a lot of fraudulant charges on other people 's bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered this server for XXXX  Month an they refusing to provide me that service
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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. 


TRANSUNION 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! 


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

Received credit file notification of a collection account in association from XXXX XXXX XXXX in association with XXXX for an account at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I had never resided at that address nor had I ever done business with XXXX. I own a home at XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX and only XXXX is available in my area. I never received any type of contact in the mail or otherwise about this issue until it was on my credit report. I since disputed this for being a fraudulent account and the account was removed as a result of the dispute. 

Then two months later, I found that now Credence Resource Management that now in XXXX Credence Resource Management has reported a collection for the same amount by XXXX. I also, still have not received a written notification. Information that appears too associated with the said account is the same that has been successfully disputed as fraud. I have mailed a notice and have not heard back but it is again not mine. I am not the only XXXX XXXX, my father and uncle are also XXXX XXXX, though they do not live in XXXX. But there is also a XXXX XXXX of XXXX, WA that is close to XXXX as well. Either way, I have filed an identity theft claim in XX/XX/2019 because of fraudulent accounts and again I reaffirm that this account has nothing to do me, XXXX XXXX XXXX of XXXX XXXX, WA XXXX.
Product: Credit reporting

Filing CFPB complaint on Experian. Experian is currently reporting an account in my file called : XXXX XXXX XXXX # XXXX. The original creditor is XXXX. This account is in collections but I was not informed by the original creditor ( XXXX ) that it had gone into collection and had no idea until I noticed it on my Experian credit report. I dispute this account 's information and feel that its record keeping and documentation of payments is so excessively bad and demonstrably inaccurate so as to be unverifiable. I am attaching a copy of my report with the disputed account information circled for you convenience. 

If you open the report and scroll down to page XXXX, you will see the account named XXXX XXXX XXXX # XXXX ... I had been making timely payments double the amount required for many months until I learned that they were not crediting the payments I made to the account. You ca n't see many months of the payments that I made because the data is not in the report and it makes no mention of the months that I had the account prior to XXXX XXXX, 2014. 

Therefore, I dispute the reporting of this account in its entirety. I believe it is not fair for Experian to continue to publish credit data which is damaging to my overall credit history when that data is evidently inaccurate. If anyone at Experian was doing their job, they would have noticed a payment date of XXXX XXXX is listed no less than 8 times. The first time XXXX XXXX is given as the payment date, it shows my payment of {$300.00}. Then, the subsequent 7 times, it says I made no payment on XXXX XXXX. 

This data furnisher 's record keeping is questionable at best and Experian is required ( by the FCRA ) to delete information they are reporting which they know ( or have reason to believe ) is erroneous and it clearly is in this case.
Product: Checking or savings account

I had opened a membership with the merchant XXXX XXXX. I attempted to cancel my membership with them several times, they refused to cancel. They continue to charge my Chase checking account XXXX. I called chase, told them the situation and placed a merchant dispute claim. I also asked them to block the merchant from charging me. Chase requires documentation to be signed to accept the claim. That same day, I notified chase that I had moved addresses, therefore they updated the address on file. When they did that, their system blocks any letter from being able to be sent to me for 30 days. This then blocked the ability for me to receive the letter they needed to be signed. I am now seeing more charges from XXXX XXXX, in addition to my claim being denied.
Product: Credit card or prepaid card

XX/XX/XXXX : 4 Fraudulent transactions were made through XXXX to my Discover Card. My XXXX / XXXX Account possibly the merchant " XXXX '' 's account were compromised and fraudulent transactions ( listed below ) were made : Fri XX/XX/2020 XXXX XXXX XXXX CA SECURITY DISPUTE ADJUSTMENT {$370.00} Fri XX/XX/2020 XXXX XXXX XXXX CA SECURITY DISPUTE ADJUSTMENT {$370.00} Fri XX/XX/2020 XXXX XXXX XXXX CA SECURITY DISPUTE ADJUSTMENT {$470.00} Fri XX/XX/2020 XXXX XXXX XXXX CA SECURITY DISPUTE ADJUSTMENT {$470.00} I contacted my credit card company and initiated a fraudulent transaction dispute. I was told I had Zero liability and my money would be refunded. 

Today I looked at my Discover card and had a very large balance. I contacted the investigations unit and was told that the dispute was closed NOT in my favor. 

The Investigator - XXXX - told me that the reason my fraudulent claim was denied was because they noticed valid past transactions with the merchant. I spoke to XXXX further - and not only did they mess up the associated transactions in the dispute - they did not take my evidence into account at all. Please see below : 1 ) XXXX ( the investigator ) told me that the initial investigator included  transactions that I made with this merchant in XXXX and XXXX of 2020 as fraudulent. I specifically told the initial investigator when he called me on the phone that the XXXX and XXXX transactions were VALID and only the 4 transactions from XX/XX/XXXX were fraudulent. So the VALID transactions were included in the fraudulent dispute which they should not have been. I told the initial investigator that I had previously done business with this merchant and have no idea why they included the VALID transactions. 

2 ) I told the initial investigator that I had proof from my XXXX XXXX account XXXX which is linked to my XXXX / XXXX account ) and also proof from XXXX via e-mail 's that they sent to me telling me that they noticed suspicious activities on my account. I had to provide XXXX and also XXXX with identification in order for them to restore my accounts. When I told the investigator I had this evidence and said I could send it to him - he told me there was no need to provide this evidence. XXXX ( the investigator I spoke to today ) said he had no idea why the initial investigator would tell me not to fax them my evidence. I asked XXXX to open an Appeal on my behalf and provided them this evidence today via FAX. 

Not only did they get the entire investigation wrong by including Valid transactions with fraudulent ones they did not even take any of my evidence into account. The reason for them denying the claim ( they said it was because they noticed previous activity with the merchant on my account ) does not make any sense at all because I specifically told the initial investigator that I had dealt with this merchant before.
Product: Money transfer, virtual currency, or money service

I got charged so many time from stuff that wasnt by me and there wasnt a live agent to help me
Product: Checking or savings account

I just purchased a vehicle literally 2 days ago. XX/XX/2023 is when I walked into a local US Bank to extract my hard earned funds that I was saving for my vehicle purchase. I mean the vehicle only cost me XXXX I withdrew XXXX. Just in case. I also put insurance on my vehicle later after purchasing the vehicle, which I also used my US Bank account for to make that purchase. Then to avoid the service fee I XXXX  myself from my XXXX XXXX bank account money ( XXXX ) to be exact. When I later tried purchasing something for the vehicle that I needed - my card was declined- I used my mobile app to check it. I have money in there to cover everything- then I called the bank and they act as if I am a criminal- my XXXX XXXX account- they have no problems with me there and theyve never even saw my face- everything is done online- the bank is now stating its due to my address verification and they are the ones that sent me an email stating my address verification was successfully received and updated- mind you I opened the account 4 months ago- they are trying the gaslighting bit and all this silly misdirection XXXX  that sometimes they do- I just want my money- I have all evidence to prove this. Also I saw article where US Bank was sued by customers in the past for abuse of power. They stole XXXX from my account for something that I didnt even purchase- they are just stealing my money. Please help me with next steps. I dont recommend this bank to anyone, however, this incident wont detour me from opening up another account at a physical bank. Just because XXXX bank is playing games and committing fraud, doesnt mean that every other bank is the same.
Product: Student loan

I recently checked my credit report and notice XXXX XXXX. I sent a letter asking for a validation letter of original contract application. I received an application that I assume is the original application, but it also seem to have falsified information that is very concerning to me. 
1. I never had an email with XXXXXXXXXXXX XXXX noted : never have all XXXX XXXX for my email ) 2. The dates they have assume I started school was from XXXX, but on the date of the application signature for me and an assume cosigner the date assumed signed was XXXX/XXXX/XXXX. That will make it XXXX months after the allege start day of classes. How could it even be possible for me or someone to sign if the date of enrollment have already started before the application date? 
3. For something that was not suppose to be electronic, why is the signature typed and printed, rather than being signed for more valid proof. 
4. It clearly have no signature of Authorized school official or date. 

This XXXX XXXX have effected me greatly, they have sent my to the credit bureau and also sold to Navient and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX due to my data being breached by Equifax and their inaccuracies reporting on my report
Product: Credit reporting or other personal consumer reports

Dear Capital One, I hope this message finds you well. I am writing to bring to your attention a discrepancy in my account records. Currently, I hold two cards with your esteemed company, the account numbers being XXXX with a balance of {$5000.00} and XXXX. However, upon reviewing my XXXX report, I discovered two additional account entries : XXXX and XXXX. These accounts appear to be duplicates and are not associated with the cards I possess. 

I kindly request your assistance in rectifying this matter by removing the aforementioned erroneous accounts from my XXXX report. Your prompt attention to this issue would be greatly appreciated. 

Thank you for your attention to this matter. Please feel free to contact me should you require any further information or clarification.
Product: Consumer Loan

I have been forced into bankruptcy. I notified Republic Finance, with a letter and my attorney 's information. The XXXX Tennessee office is the one that has been calling me they are located on XXXX, TN XXXX. They have been calling me and sending me letters. The last phone call, they threatened me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a letter addressed to the Credit Bureaus on XX/XX/2022 to request an investigation and have the disputed items removed from my Credit Report. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft under the Fair Credit Reporting Ace section 605b. Despite all my Efforts to correct my Credit Bureaus, the Credit Bureaus have done nothing to have the disputed items removed. I am disappointed to see that the Credit Bureuas ignore my requests to correct my Credit Report and continued reporting the disputed items without proper verification and authentication. I am submitting this complaint to protect my rights and excercise my rights under the Fair Credit Reporting Act section 605b. Please remove the disputed items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$450.00} XXXX  XXXX Balance {$440.00}
Product: Debt collection

MIDLAND CREDIT MANAGEMENT IS REPORTING A FRAUD ACCOUNT ON MY CREDIT. I HAVE ADVISED THEM ITS FRAUD. I ALSO MADE THEM AWARE THE ORIGINAL CREDITOR XXXX REMOVED THE ACCOUNT FROM MY CREDIT IN 2021. 

NOT ONLY IS THIS ACCOUNT FRAUD, MIDLAND CREDIT IS ALSO IN VIOLATION OF THE FCRA. 

THEY ARE REPORTING THE ACCOUNT OPENED XX/XX/2021. THAT WAS OPENED WITH THE ORIGINAL CREDITOR XXXX. THEY HAVE REAGED THE ACCOUNT FOR ONE. SECOND, THEY ARE LISTING THE ACCOUNT WITH PAST DUE WITH A BALANCE OF {$850.00}. COLLECTIONS ARE NATURALLY PAST DUE BY DEFAULT. 

I AM CURRENTLY SPEAKING WITH A LAWYER TO CONSIDER LEGAL ACTION FOR THE FALSE REPORTING OF A FRAUD ACCOUNT.
Product: Student loan

I had dropped out of school, and had a balance of a little over $ 11k. So I started working with HLP in XXXX 2018. The deal was for them to consolidate my loans, and I agreed on a 5 year deal, where on the 5th year I would receive total forgiveness. They also promised me that after the first 4 payments of XXXX, that I would begin to see a change in my loans on XXXX. This never happened however ; I recently cancelled in XXXX of this year because the monthly payments weren't affecting my loans at all. I believe I have been lied to. I contacted HLP in XXXX and they told me that I initially agreed on a 20 year deal back in XX/XX/2018!!!! This is not true and is so uncharacteristic of me. I know what I agreed to, and I never would begin payments to pay for more than the loan itself!! My income was low, so I was paying {$19.00} per month, and what they told me was that i agreed to 20 years of paying {$19.00} a month. I was scammed and I demand a refund of more than {$1000.00}. I payed this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Experian several times regarding the removal of old personal information, only for my request to be ignored. The information is still on my credit file. I have contacted the company by certified mail 1st, and when they didn't fulfill my request, I attempted to have my request fulfilled over the phone. My requests have NOT been fulfilled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information. 
The specific item ( s ) I am disputing are as follows : XXXX. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter. 
If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have 3 collections accounts being reported to my bureau : Lockhart Morris and Mont XXXX  XXXX XXXX XX/XX/2020 XXXX Lockhart Morris and Mont XXXX  XXXX XXXX XX/XX/2020 XXXX Lockhart Morris and Mont XXXX XXXX XXXX XX/XX/2020 XXXX I have asked numerous times for validation of debt and proof this is owed by me, as I believe it is an error. I have yet to receive any information- each time I dispute thru the bureau 's the debt is transferred to a different company with still no validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$310.00} XXXX LOAN BY PHONE XX/XX/2023 I called the company to figure out what this loan was and its fraud.
Product: Checking or savings account

I was told today XX/XX/XXXX from XXXX XXXX at the XXXX XXXX XXXX branch that the risk department would not return my verified funds and that I would have to wait for the funds to go to the state of California before I could get my funds with no reason no explanation. I dep a check from my XXXX acct XXXX and they took that money and put in a gl acct risk management did ..for no reason the check was cleared and verified. 
They sent me a closure date and said my verified funds would be sent back and that did not happen .now they have kept my funds in a gl acct and sent me XXXX dollars that was left over in the acct and now they are telling me to have the bank the check was drawn on to re collect the funds that would be the only way to get my funds back. 
This is very wrong how can us bank keep my funds when they were verified ..I have not done anything wrong but try and survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Education Services ( AES ) XXXX XXXX XXXX XXXX, PA XXXX XXXX AES is reporting to XXXX and XXXX a 60 day late in XX/XX/XXXX. <P/>The account was NEVER late. The account was in forbearance mode, and then refinanced and closed. <P/>I contacted AES XX/XX/XXXX. XXXX updated their information, but XXXX and XXXX continue to read a 60 day late in XX/XX/XXXX. <P/>XX/XX/XXXX I contacted XXXX and XXXX. They told me to contact AES. XX/XX/XXXX I contacted AES whom told me the information was updated and sent to the credit reporting agencies. AES told me to contact the credit reporting agencies.
Product: Credit card

Review the attached documents. I'm requesting the bureau to start investigating these accounts. Despite my punctuality, they're reporting me as late.
Product: Credit card

I am extremely frustrated with the recent experience I had with my XXXX credit card. I tried to use it on a personal matter, only to find out that it mysteriously disappeared from my XXXX XXXX. Annoyed and concerned, I reached out to Chase Bank via phone on XX/XX/XXXX, around XXXX pm to get some clarity on the situation. Shockingly, they informed me that my card had been revoked without providing any substantial details. 

In an attempt to resolve this matter, I insisted they send me a written explanation regarding the revocation of both my personal and business credit cards. Despite visiting a branch on XX/XX/XXXX, and escalating the issue, I am still left in the dark without any satisfactory explanation or the reinstatement of my credit cards. This lack of communication and resolution is highly disappointing and unacceptable.