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

I contacted capital one about a disputed charge on my account for {$640.00} that was billed to me on XX/XX/XXXX from XXXX. On XX/XX/XXXX I made the dispute and they temporarily refunded me the money. They said that the case would be considered settled if the company did not respond within 90 days and that I would receive a written letter confirming this. On XX/XX/XXXX, 113 days after the dispute, I contacted Capital One because I had not received any letter. They reassured me that indeed the merchant did not respond and that the money was officially mine. They said to keep an eye out for the letter. On XX/XX/XXXX I was recharged the {$640.00}. I called to complain on XX/XX/XXXX and the representatives simply did not know what to do. A representative named XXXX put me on hold 4 times saying that he had to check with " his team in the back room. '' Each time he told me that I would be on hold for no more than 2 minutes. I was on hold for an hour and a half with absolutely no resolution to my problem.
Product: Debt collection

I reached out to CREDENCE RESOURCE MANAGE and asked them to provide me with a signed agreement between me and them opening, proof of the last 4 payments I made to them, along with a state identification used to open the account. I have not receive a response from them. This was over XXXX ago. This negative item is showing up on XXXX, XXXX and XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Being that I borrowed {$600.00} I read over the disclosures and after I received the money, I started reading complaints and reviews from customers who discloses a nightmare when dealing with Americash. However, I came into a hardship and i couldn't make payment in XXXX and I asked for the payment to be taken out the next month which would have been in XXXX. I received a letter XX/XX/XXXX dated " Notice Of right to Cure '' with Wednesday XX/XX/XXXX being the last day for payment. with they stated {$280.00} Amount past due. Then on XXXX I received a letter XX/XX/XXXX " XXXX " PROMISE RECAP '' which was then a past due amount of {$150.00} and now a new balance of {$750.00} with amounts now XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX being the last payment on PAPER. I received a text on Friday XXXX, XXXX. So I called back and here is what the Rep said. Being you skipped one payment you now owe {$1000.00} because we charged you double interest daily. Oh but you good. Then the next day I had received an email. I said why did i receive a call because i been back on track saying i owe an additional {$1000.00} when i only borrowed {$600.00}. The rep says oh disregard the call. I call another number the District I asked for a date that the loan will be paid off because from what i say it's now in XX/XX/XXXX. They hung up and now I can't get into my account which I now see the fraudulent services they provide to customers. A RIP OFF company and charging their own fees, and they dare you to file bankruptcy on them which is in their clause.
Product: Credit reporting or other personal consumer reports

On XX/XX/2025, I contacted Citibank to request the reopening of a credit card account that had been closed due to inactivity. During this call, the Citibank representative explicitly assured me multiple times that reopening the account would not result in a hard inquiry on my credit report. Based on this assurance, I proceeded with the request. 

However, despite the representatives guarantee, Citibank did place a hard inquiry on my credit report on XX/XX/2025. This action was taken without my informed consent and was contrary to the information I was provided by Citibank. 

Upon noticing the unauthorized hard inquiry, I immediately contacted Citibank to request its removal. A different representative informed me that the initial representative I spoke with had made a mistake and that a hard inquiry should not have occurred. The representative also stated that Citibank could remove the inquiry and referred me to Citibanks Credit Management team for further action. 

Since then, I have engaged in multiple written correspondences with Citibanks Credit Management team. Despite my repeated requests, Citibank has refused to remove the hard inquiry, providing inconsistent responses : XXXX. First response ( XX/XX/2025 ) : Citibank stated they could not locate the inquiry and asked for further documentation. 
XXXX. Second response ( XX/XX/2025 ) : Citibank again claimed they could not locate my account and asked for additional information. 
XXXX. Final response ( XX/XX/2025 ) : Citibank stated they were unable to remove the inquiry because it was made to review my request to reopen my accountcontradicting what I was originally told by their representative.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I saw that there are multiple negative and fraudulent accounts and inquiries on my credit reports which I need your help with to remove for me. 
I called the credit bureaus and they told me to send my FTC reports before they entertain my request. I did that and I even mailed my IDs and reports but they said that they did not receive them. 

I will attach the FTC report here along with my IDs for your reference. Kindly delete the ff fraud accounts and inquiries from my credit reports. 

Fraud accounts are the ff : XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX - XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX. 

I was also not late for these accounts. I don't recognize any late payments. Please remove or update the status to 'Never Late ' : XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XXXX - XX/XX/XXXX. 

Please delete these fraudulent inquiries : XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

and if you can include these too, that would be helpful : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My information was compromised during the XXXX Data Breach. I attempted to have falsely reported information removed on XX/XX/year> by contacting the companies directly. XXXX XXXX XXXX ; XXXX XXXX XXXX, and XXXX XXXX XXXX  have yet to remove the data being reported to multiple CRA 's. I am a victim of identity theft and have yet to receive a written validation notice by any of the aforementioned companies.
Product: Credit reporting

i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( experian, equifax ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 
i already fix the problem with the irs and i have the documents to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. XXXX, Transunion, and XXXX. The debt has been paid. The account shows a XXXX balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.
Product: Credit card or prepaid card

BJ Credit Card Changed from Comenity Bank to XXXX XXXX. I have spent 6 plus hours on the phone trying to get card active. XXXX XXXX XXXX XXXX then claims the have not history of sending card. I was told to call Comentity and spoke to XXXX, was not sent a email record, called XXXX XXXX, used there app, used there online system .If they can't find an account that they sent out then they must have a massive data breach, or very bad internal controls and have no idea and what cards they send out to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am coming to you to require corrections to my credit report. After looking over my report I noticed XXXX XXXX XXXX # XXXX listed 3 times on my file with inaccurate payment status. There are late pays on the same account 3 times on top of it listed the exact same 3 times. The account XXXX XXXX # XXXX and XXXX XXXX # XXXX is showing the same error. The credit reporting agency and the companies are not fairly reporting on my credit file and this is a direct violation per FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). On top of that XXXX # XXXX is being reported and does not even belong to me at all. There is direct abuse towards me as a consumer and it has also brought a huge amount of stress and anxiety in my life. They have been falsely given the power to ruin lives when in reality I have all control. I don't even give XXXX, XXXX, or Equifax permission to furnish anything about me at all no matter where they claim it comes from. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have already broken so many laws and I will be taking this straight to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

id theft victim these following accounts do not belong to me XXXX  XXXX XXXX XXXX. Authorized user XXXX  Not my account XXXX XXXX {$2300.00} Authorized user not my account XXXX XXXX {$590.00} Authorized user not my account I had to call XXXX XXXXXXXX and report the user of this card. I have my own XXXX XXXXXXXX card. 


XXXX XXXXXXXX card ending in XXXX balance is paid in full
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 
The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up to my previous complaint to delete these items in my file : XXXXXXXX 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 Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report.
Product: Debt collection

Date opened : XX/XX/XXXX Status : Charge-off XX/XX/XXXXhas not responded to my mail in dispute in almost 90 days. 

I submitted 2 separate disputes by mail to XX/XX/XXXX in 2 different months on XX/XX/XXXX & XX/XX/XXXX. I have proof of signed signatures of the recipient of my certified mail at XX/XX/XXXX for each month that I sent in a dispute. XX/XX/XXXX clerk continues to say that they have not received my mail. It has been almost 90 days since a response from XX/XX/XXXX 
They usually have 30 days to respond and they haven't.
Product: Debt collection

Account was disputed and removed from my XXXX report. I'm requesting that it is removed or deleted from my XXXX and XXXX accounts.
Product: Debt collection

This company called " Credit Control LLC '' called from these different numbers : XXXX XXXX Soliciting for a XXXX 's credit debt payment. I obviously am not the person that the credit collections is looking for. I have told Credit Control LLC several and multiple times to stop harassing me via phone calls since Credit Control LLC got the wrong number. I have told this organization to cease and desist from further phishing for consumer information via wrong number calls. I also told this organization called Credit Control LLC to stop soliciting innocent people from their debt collection practices from out of state. The reporter of this review and report is based in California and we have guidelines in California regarding out of state solicitors and creditors.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agency regarding an account that is going through a billing dispute and litigation process. I advised the agency to stop reporting the account until the litigation/dispute process was complete. They are incorrectly reporting my account as late while the account is under dispute. The account is for XXXX XXXX, account ending in XXXX. The account needs to be removed until the dispute is resolved with the alleged creditor. I have several open cases disputing this issue with the following agencies : XXXX XXXX XXXX XXXX & Insurance, Texas Secretary of State, IRS, and California Secretary of State.
Product: Debt collection

On XX/XX/2019, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Product: Credit card or prepaid card

Made 2 payments to my account. Never credited but has cleared my checking account. Talked to several people on the phone still not resolved. My bank confirmed check was cashed by usaa
Product: Mortgage

The bank who has my mortgage is being unfair because they are expecting me to pay {$5300.00} of monthly payments for the next 12 months. I am a single mother with XXXX kids. I am currently on a repayment plan of {$5300.00} monthly for 12 months that started back on XX/XX/2017. Ive made four payments of {$5300.00} already totaling {$21000.00}. I simply cant afford to pay {$5300.00} knowing I am solely responsible for my XXXX young children who live with me. My ex-husband XXXX XXXX abandoned me and my children leaving us to fend for ourselves. I pay my utilities, provide food for my children, school supplies and clothe them when needed as they continue to grow. Sadly, I had to replace the Hot Water Tank, fix the Boiler, and repair the leaking sealing of back basement entrance that was causing mold. These expenses along with taking the difference from my savings to cover the short fall between my income and the {$5300.00} has depleted my savings. I can afford my normal mortgage payment with my children expenses, utilities but to pay {$5300.00} is very difficult. I was put in this position because of my Ex-Husband. I am heading back to Family Court to file a violation against him for not paying the child support. He is supposed to pay {$1200.00} per month. I work two jobs along with my mother giving me money monthly helps me a great deal. I have been with my first job 20 years and my second job 3 and years. I am a good strong independent woman who just made a bad judgement of marrying the wrong man. I comfortably afford to make my mortgage payments and still give my children food. Note I am now the Sole Owner of the Property as it was signed over by my ex-husband the deed to me and I have the deed in my hands now. The deed was sent to the bank back in XX/XX/XXXX to review me for a modificiation in which they are refusing to offer. Its like they rather me end up on the streets that to give me a chance to do the right thing here.
Product: Debt collection

i paid this debt and RR Resource Recovery, XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, refuses to remove this debt off my credit report.
Product: Checking or savings account

Dispute number XXXX was filed for all charges to my account during the time of XXXX as I was imprisoned at the time. Someone got ahold of my XXXX and wallet including my debit and I'd cards and made multiple ( XXXX ) charges to my account totaling {$3000.00}. After filing the dispute the days later I get emailed saying the dispute was denied. So I filed an appeal also filed a police report also sent in papers from the court and a letter from my probation XXXX showing I was imprisoned and still they denied it.
Product: Debt collection

CB1, Inc. out of XXXX MT, failed to notify me of debt within 5 days as required. When I requested validation of my debt in the form of a letter, sent certified for proof, under the Fair Debt Collections Practices Act, they failed to provide the following : Verification that there is a valid basis for claiming I am required to pay the current amount owed. Notation whether this debt is within the statute of limitations and how that was determined. Proof that I agreed to pay this debt in the form of a document with my physical signature on it, stating that I agreed to pay this debt. HIPPA release form stating they have permission to access all of this aforementioned health data. Details about their authority to collect this debt : whether they are licensed in Montana, and if so, to provide the date on the license, name on the license, as well as the license number, and the name, address, and telephone number of the state agency issuing the license.

Not only did they fail to provide their authority to collect debt within the state of Montana, the inability to provide a HIPPA release from authorizing them to have permission to access all of my private health data is a gross violation of my rights under HIPPA.

I followed this with a letter of dismissal, as they have no legal right to harass me into paying any debt they can't prove that I owe, or that they have the authority to collect. I promised them the next action taken by me would be a complaint to the Federal Trade Commission if they refused, so here we are.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XX/XX/XXXXXX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance Owed : {$280.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be REMOVED/ DELETED from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Debt collection

On XXXX XXXX, XXXX at XXXX ( PST ) I was contacted by Santander Consumer USA regarding my account status and a pending complaint that I had with the company. After informing the agent ( identified himself as someone calling from the President 's Office ) that it was XXXX, the call ended after he informed me his system did not stop the call from going through. I was woken up to take this call and felt completely violated by this company.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it 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 in XX/XX/2024 to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of 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 USC1666b ( 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. 
XXXX XXXX XXXX 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 a 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 payment from my consumer reports XXXX XXXX XXXX - XXXX
Product: Student loan

mohela XXXX - is current problem attached i have all docs. 
spoke with your office about doe - XXXX XXXX not completing my request i have paid in full with XXXX given docs to prove payments they are pulling up old/incorrect info and NOT letting me out of this
Product: Debt collection

I contacted Discover in regards to a debt that they stated I allegedly owed.This debt is currently being reporting on my XXXX credit report as a charge off. I requested for validation of the debt and they did not comply or validate this debt. They are also in violation of 15 USDC code 1681b permissible purpose of consumer reports. Under this law I never gave them written consent to report anything on my consumer report.