23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We have CapitalOne credit card line for {$1000.00} for me XXXX XXXX and my wife XXXX XXXX since XXXX 2016 ( XXXX ). Voluntarily using the credit card agreement they change the processing times with account information from XXXX XXXX XXXX setting up different payment dates and processing times intentionally damaging our family budget and credit worthiness. I have already filed complaint with Consumer Protection Bureau Illinois Attorney General against Capital One. XXXX XXXX XXXX already tempted us out to file bankruptcy because they did not report repayment of {$15000.00} debt and I reported that to Federal Trade Commission. Bankruptcy discharge order and bankruptcy case enclosed. All XXXX XXXX XXXX accounts went under bankruptcy with " XXXX '' balances ( bankruptcy case XXXX in United States Bankruptcy XXXX XXXX XXXX of Illinois ). I am looking forward to you stop intentional financial sabotage by these XXXX financial institutions and stop organized harassment of our family CapitalOne and XXXX XXXX XXXX.
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 USC 1681. 

XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my right to privacy. 
XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my right to privacy. 
XXXX XXXXXXXX XXXX  Account # XXXX, has violated my right to privacy. 
US Dept Of EducationXXXX Account XXXX XXXX, has violated my right to privacy. 
XXXX XXXX Account # XXXX, has violated my right to privacy.

15 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 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 antedates 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: Credit reporting 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 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at XXXXXXXX XXXX. I submitted a dispute with Equifax about some inquiries that I didn't authorize or didn't recognize on my credit report. On XXXX XXXX at XXXXXXXX XXXX. I received email notification that my dispute was completed. No items were removed, and Equifax stated that after investigation all accounts were verified as accurate. I don't believe 10 accounts were verified in one day as stated.
Product: Credit reporting or other personal consumer reports

The company is a scam. You put XXXX down and it doesnt reflect monthly pay or nothing. Car didnt work the first week. Didnt start up nothing. If you check there reviews, every customer is unhappy. This is fraud, and need to be further investigated. I need this off my credit report.
Product: Debt collection

Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! GS
Product: Student loan

My prior student loan provider was XXXX. I had an amazing loan rate. Unfortunately, my student loan was sold to Navient. Immediately, I provided information for automatic payments from my bank account ( XXXX XXXX XXXX XXXX, XXXX   ). When I was with XXXX  ( since 2003 ), I NEVER missed a payment and had automatic payments set up. Since the switch, I have talked with Navient representatives several times. They have promised their error was fixed. I have gone online and logged in to be sure my account was set up for automatic payments from XXXXXXXX XXXX. Again, each month, I receive a notice that I haven't paid and that my payment is overdue. Again, I call and confirm that everything is correct and in place. In my honest opinion, I feel like Navient is attempting for my loan to become overdue so that I have a much higher interest rate applied or I acquire fees. I have contacted Navient ( which is very hard to get ahold of someone as well ), and I feel like it is to no avail. I need Navient to set up the automatic payments as they have confirmed is already done correctly. This is starting to feel like a scam. Thank you.
Product: Checking or savings account

my wells fargo account overdrafted on XX/XX/year> with a balance of XXXX there are no branches in my area and it wouldnt allow my other bank account to connect to it. i went to deposit a check on XX/XX/year> and was denied access to the account. upon calling customer service, i was told that it was overdrawn for too long and they closed it. i received no warning and they said they didnt have to notify me that it was closing. the account overdrafted due to a monthly service fee charged by wells fargo. i was on strike and did not have my regular income going into the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX These companies have violated my rights 15 U.S.C 1681 section 602 A .States : i have a right to privacy.

15 U.S.C 16881 section 604 A. section 2. : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C. ( A ) ( 5 ) section states : No consumer reporting agencymay make any consumer report containing any of the following items of information and any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has resonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

Aspire card closed my credit card account back in XX/XX/2023 after refusing to remove charges that were fraudulent..they refused to re open the account but are still sending me correspondence asking for details of transactions fated XX/XX/2023 saying a new card would be mailed to me. Why did they do this if they arnt opening the account? Iam going to sue aspire card for discrimination if this account isn't reopened. Those charges were fraud and I'm not responsible for them. I was in good standing before this happened. I had reported the fraud in a XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my security freeze lifted from Experian for 60 plus days. I have sent letters to three P.o. Boxes, the letters have been returned undeliverable. I have sent letters over the past 9 months to XXXX. XXXX  XXXX the required XXXX XXXX for security freeze lift request with proper verification. Experian has not complied, has not sent me a copy of my credit report in 9 months. All I'D is valid and verifiable. I have 8 letters of Denial from banks and credit card companies that pulled Experian credit report that state Unable to locate credit report or state there's a restriction on my credit report, other creditors state Unable to verify credit score. I have filed a complaint with the XXXX  and have had no success. This is hindering me from obtaining credit, a mortgage, and verifying my Experian credit score. I have called every toll free number for Experian and can not get a live operator, can not obtain credit reports using annualcreditreport.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

My account is negative due to a charge off account XX/XX/XXXX never received notice of this account. The banker was very rude and mishandled my information.
Product: Credit card or prepaid card

I transferred some points from my HSBC World Elite MasterCard on XX/XX/XXXX to an airlines partner. This usually takes 2-3 days in my experience, but the confirmation and the email always state it can take up to 14 days. Points had not been transferred on XX/XX/XXXX, so I called HSBC. It took me 20 minutes and multiple calls navigating their imposible to use phone system to get a hold of somebody in the rewards department. That person didnt even know you could transfer points to airlines, basically she didnt know her know. So again I had to hang up and call again. Next I got a person who at least had an idea, but asked me to call next day, on the XXXX. I called the next day and every day after that, and nothing. They opened a case for me on the XXXX. Case number XXXX. Every time I call and provide this case number, I get the same answer. Oh you have to call later. No resolution. Nobody knows anything.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX I received a notification from XXXX, which alerts me when there are any change made to my credit file. The notification was that two accounts were reported to collections by the company Jefferson Capital Systems. 

Prior to these accounts being listed on my credit file, Jefferson Capital Systems did not reach out to me or contact me as required by federal law section XXXX ( a ) ( 1 ) which states : A debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section. 

Jefferson Capital Systems failed to follow this law and in the course of their negligence, and not properly allowing me to verify and dispute these accounts, thier actions caused my credit score to plummet.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.
Product: Credit reporting

I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section XXXX of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$740.00}.
Product: Credit card or prepaid card

I requested a Balance Transfer from Discover to XXXX XXXX. Discover transferred {$5400.00} into someone else 's account, and are not taking responsibility for their mistake. This means that right now it appears that I owe {$5400.00} to XXXX XXXX, and {$5400.00} to Discover. This is highway robbery, and it should be considered unlawful.
Product: Debt collection

Reporting unverified and inaccurate information on my consumer report that is hindering my ability to conduct business transactions and is harming my consumer reputation. Reporting alleged debt of {$420.00} when I have no written contract with PORTFOLIO RECOVERY ASSOCIATES. Violations of 15 USC 1692b ( 2 ) -stating that I owe a debt. Violation of15 USC 1692b ( 5 ). Violations of 15 USC 1692d ( 1 ) harming my consumer reputation. Violation of 15 USC 1692d ( 2 ) using obscene language that I, the consumer abusive. Debt does not belong to the consumer XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

What Happened? 

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Wells Fargo regarding an unauthorized chargeback that caused me significant financial and psychological harm. 

Please see the attached PDF file containing all relevant documents and evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have sent several complaints this is my 3rd time REQUESTING, the unverified accounts listed below still on my credit report in violation of FCRA Federal Law. The FCRA required a copy of the original creditors documentation on record/file for me to verify the alleged accounts are mine and that it is accurate.

I dont have any records of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( my we ink signature paperwork ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
1.XXXX XXXX XXXX XXXX , 2. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter 1 I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you removed these items as soon as possible as it affecting my current situation. I am trying to better my situation and move into a new apartment with my son.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/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. 

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A RE- INVESTIGATION MATTER. AS YOU CAN SEE FROM MY CREDIT FILE I HAVE HAD IDENITY THEFT BEFORE. SOMEONE HAS REQUESTED A INQUIRY ON MY CREDIT FILE AND IT WASNT ME. I HAVE SENT LETTERS TO ALL THE CREDITORS LISTED BELOW ASKING FOR REMOVAL OFF MY CREDIT FILE. FOR INSTANCE WHY WOULD I REQUEST XXXX XXXX TO PULL MY CREDIT BACK TO BACK NUMEROUS TIMES IN A 2 DAY PERIOD. DOESNT MAKE SENSE. I AM REQUESTING FOR IMMEDIATELY REMOVAL OF THESE UNAUTHORIZE INQUIRIES THAT I DID NOT AUTHORIZE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM XXXX AND DO NOT DRIVE DUE TO A INJURY IN XXXX THESE ARE AUTOMOTIVE INQUIRIES PLEASE REMOVE FROM MY CREDIT FILE
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Equifax, and XXXX regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureaus in question. 

The disputed items on my credit report include the following : XXXX : XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department XXXX XXXX XXXX. 
AZ DES CHILD SUPPORT Account Number : XXXX Please remove it from my credit report. 

Equifax : XXXX. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department of Economic Security.

AZ DES CHILD SUPPORT Account Number : XXXX Please remove it from my credit report. 

XXXX : XXXX. The inquiry was not authorized. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department of Economic Security. 
AZ DES CHILD SUPPORT Account Number : XXXX Please remove it from my credit report. 

I have made two attempts to request the credit bureaus to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureaus to rectify these inaccuracies.
Product: Debt collection

I have submitted several complaints against this collection agency XXXX XXXX XXXX XXXX. I have proof they was taken off my credit report last year for the same balances and amounts they keep adding as new to my credit report this year. This is illegal and I will be contacting the State attorney general about their collection tactics. They could not provide true validation for this debt with should have been sent to Medicaid to pay, because I receive medicaid and I am disable. They was just removed again this year from one of my credit reports, but keep adding the same collections as new to different credit reports. I think this company thinks because there was a breach they can use illegal tactics to try to collect on a debt that should have been sent to Medicaid a very long time ago. I have my previous credit reports of this not being on there because this debt was removed. I have my many complaints about this company disputing this debt, which is stressing me out when I am already XXXX due to mental illness. This is harassment at this point. This will be my last complaint asking this company to remove this debt from my credit reports and to leave me alone.
Product: Checking or savings account

Hi my name is XXXX XXXX. on XX/XX/XXXX my Citibank account was defrauded by a guy named XXXX who misrepresented himself as a loan officer for XXXX XXXX at XXXX I have attempted to close this account, Report the fraud to the bank and do my due diligence and the bank continues to do nothing. 

The fraud has had an adverse effect on my account as a result I want it closed