23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To XXXX, XXXX, and TransUnion, Regarding the Delinquent Credit Inquiry Issues Identified by XXXX, XXXX, and TransUnion : Thank you for affording me the opportunity to address the inaccuracies present in my credit inquiry report. It has come to my attention that delinquencies in my credit have been incorrectly reported by your agencies. In light of this, I am formally requesting the following documentation and proofs in accordance with relevant laws and regulations : 1 ) A copy of the original contract or purchase agreement responsible for the alleged debt. This document must contain the signatures of all involved parties and must originate from the original creditor, inclusive of all original terms, conditions, addendums, and riders.

2 ) Proof of chain of ownership pertaining to the alleged debt, demonstrating a seamless transition from the original creditor to the current purported owner, devoid of any breaks or discrepancies.

3 ) A comprehensive accounting history originating from the original creditor, detailing each payment made, including dates and amounts, along with the Date of First Delinquency leading to the current collection status.

4 ) Documentation validating the lawfulness and agreement to any accrued interest or fees, as stipulated in the original purchase agreement.

5 ) Verification of your legal authorization to pursue the alleged debts in the state of Texas, inclusive of your Third-Party Debt Collection Bond.

6 ) Evidence of compliance with legally mandated notices sent to me prior to the reporting of the alleged debt to consumer reporting agencies. This includes copies of the original notice, ensuring adherence to regulations prohibiting " debt parking '' without proper notification, thereby safeguarding consumer rights. 

7 ) In accordance with civil liability statutes, specifically Title 15 of the United States Code subsections 1692k ( a ) ( 2 ) ( A ) and 1692k ( a ) ( 1 ), I emphasize the potential penalties associated with violations, including both statutory and actual damages.

8 ) Furthermore, I draw attention to pertinent federal laws including : - 18 U.S. Code 8 Establishing all debts as obligations of the United States and its corporations.

- 18 U.S. Code 241 Prohibition of conspiracy against rights.

- 18 U.S. Code 242 Criminalization of color of law violations and deprivation of rights.

- 18 U.S. Code 894 Regulation against the collection of extension of credit by extortionate means.

- 18 U.S. Code 1028 Prohibition of fraudulent use of identification documents.

- 18 U.S. Code 1028A Criminalization of aggravated identity theft.

- 18 U.S. Code 894 Prohibition against harming the reputation of consumers through extortionate means. 

I urge prompt and thorough attention to these matters to rectify the inaccuracies present in my credit report. Your compliance with these requests is essential in ensuring the integrity and fairness of my credit profile. 

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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XX/XX/XXXX
Product: Bank account or service

I had account with wells Fargo XX/XX/XXXX to XX/XX/XXXX. I was charged ridiculous amounts for atm fees. And nsf fees when money was in bank. Then I was harrassed by phone calls from them for the end fees even money was there. All in all roughly over XXXX lost from them I got the point where I just changed banks. There people were rude and in pleasant. I do n't want free credit monitoring. I just want my hard earned money back. They were constantly asking me to open accounts for home loans. Student loans etc.
Product: Credit card

I had an apple credit card with Goldman Sachs. 
They asked me to pay an XXXX XXXX that I already paid in full, and I have a proof of it. 
I didn't pay attention to it, and I was paying a small amount every month when I realized why I was paying still a minimum a monthly payment. 
They asked me to pay a remaining balance of {$290.00} of {$440.00} which I paid in full, and I have a proof of it, meaning I paid already {$150.00} more than I should, the time I realized that they asked me something I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX an authorized service provider with XXXX XXXX XXXX XXXX XXXX came to our home. My wife XXXX and I listened to him for about an hour explain how he could get us on the Grid to eliminate our electric bill and maybe even get a refund at the end of the year. We were so excited about eliminating a monthly bill and helping the environment we signed the 2 purchase agreements ; one for {$11000.00} and the other for {$7500.00} ( XXXX XXXX said this was necessary to get the tax credit of {$5600.00} on our XXXX return ). Work proceeded and the system was live with our electric company ( XXXX ) on XX/XX/XXXX. Our XXXX bill came and we saw no credit and I called XXXX and was told that some electric companies delay the credit for one month due to accounting. Our XXXX bill came and only reflected a savings of {$60.00} from last XXXX or 21 %. Again I called XXXX and they sent a tech to my to verify the system was working and found it was working. Many calls XXXX management and no answers or resolution. I have now received my XXXX bill and it shows only a savings of {$13.00} from last year or 5 %. I have filed complaints with other agencies and am looking for financial relief with the finance companies in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed, XXXX  : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 United States Code 1681 section 602 : states I have the right to privacy. 15 United States Code 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 United States Code 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 



I'm requesting Debt validation with United States Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX : XXXX. A copy of the original contract with MY SIGNATURE for the debt listed below. 

XXXX. Full payment history from original creditor XXXX. The name and address of the original creditor XXXX. Proof that you now own or assigned the debt to collections I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. You have NOT provided me a copy of ANY original documentation required under 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ) & 15 United States Code 1681 Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 15 United States Code 1681 Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 United States Code 1681 Section 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the Fair Credit Reporting Act. 



I demand the following accounts be verified or deleted immediately. Account Account Number Provide Physical Verification United States XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Please remove all non-account holding inquiries over 180 days old. 



Please add a XXXX Suppression to my credit file. 



Thank You, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , Inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fun Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for the violation.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Failure to report the transfer or sale of the account misrepresent its status, in violation of 15 USC 1681s-2 in addition The continued reporting of an active payment history beyond 180 days without accurate updates violates 5 USC 1681i ( a ) ( 5 ) TransUnion report : XXXX- Account # N/A, High Balance : {$630.00}, Date Opened XX/XX/year>, Balance Owed : {$630.00}, Closed Date : Not Available, Payment Status : Collection/Charge-off, Last Payment : N/A, Account rating : Derogatory, Account Status : OPEN, Original Creditor XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted an Identity Theft affidavit to Equifax and included accounts that were not authorized by me as a result of identity theft ( due to losing wallet/purse ). Instead of eliminating all unauthorized/inaccurate accounts, Equifax instead responded by stating the creditor verified the account was mine. There isn't any way an account established as a result of identity theft can be verified, especially if someone had/has my information and was able to open an account with pertinent information because of such. The accounts are from XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ). These items are still listed on my credit report.
Product: Credit card or prepaid card

I am appealing a rejected dispute regarding the adjustments I should have received along with my disputed credits. I 've been receiving generic responses about this. I am disputing some charges made by Capital One. Betwee
n 8/2016 - XX/XX/XXXX you should notice monthly fees.. all of which were about {$5.00} each month described as Interest Charge Purchases. Since XX/XX/XXXX there werent any transactions. The entire total was purely due to XXXX ( disputed merchant ) recurring {$9.00} transaction that was quickly adding up but now is all voided due to my dispute with them. The total balance throughout those months would have been low.
In the adjustments received onXX/XX/XXXX labeled as Fee / Financial Charge, I only received deposits of a few cents each, all around but mostly below {$1.00}. Those Interest Charge Purchases credits should have been greater for those 11 months. Its about {$55.00} in fees that were accumulated unfairly. I only received {$15.00} from those fees in the adjustments. Meaning, I still am pending a credit of approximately {$39.00} based on fees into my XXXX XXXX XXXX.
The {$9.00} credits are for the " XXXX '' disputed transactions but I am referring to the fees. Again in XX/XX/XXXX, I was being rebilled {$29.00} which may have caused an increase in fees. " XXXX '' decided to deposit that amount into to my card since Capital One was n't crediting it even though I sent documentation with evidence that I know was received repeatedly. I 've tried to resolve this via phone, chat, and mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my frustration and disappointment regarding the negative reporting on my business credit card account with Chase Bank. The account in question has been reported as past due on my personal credit report, causing my credit scores to drop by XXXX points. This has made me ineligible for a mortgage, which has significantly impacted my personal and professional life. 

To provide context, I first contacted Chase Bank in XX/XX/XXXX to explain that I was unable to make a payment on my business credit card account because our vendor had not paid us. I made it clear that we would make the payment as soon as we received the funds from the vendor. However, despite this communication, the account was reported as past due on my credit report. 

In XX/XX/XXXX, I spoke with a Chase Bank representative about making a payment when the vendor paid us. However, the representative did not explain the terms and conditions of the account, which stated that the account would be reported as past due on my personal credit report. If I had known this, I would have made a payment in XX/XX/XXXX to prevent the negative reporting. 

I understand that it is my responsibility to make timely payments on my accounts, but in this case, the negative reporting was due to circumstances beyond my control. I feel that the lack of communication and explanation from Chase Bank has unfairly impacted my personal credit report and has had a significant negative impact on my life. 

I request that Chase Bank remove the negative reporting from my personal credit report, and take any other necessary actions to correct the situation. I have attached a copy of my credit report, which shows the negative reporting on my personal credit report. I would appreciate it if you could investigate this matter and provide a prompt response. 

Thank you for your attention to this matter.
Product: Debt collection

I have included the files with pictures of the text messages. I received texts from 3 different numbers about contacting XXXX XXXX about a capitol one matter. Today I received a more detailed message about the amount I owed and how to reduce that rate. The website looked legit but the phone number did not match the number I was given by the XXXX XXXX XXXX. I called capitol one and they confirmed there was no other account under my name and not to click the link in the text. I had already clicked it. And tried to log in with my birthday and last 4 of social. Which I realize was a mistake. I only ever got notified over text. I have also been receiving a lot of scam phone calls from the XXXX area so not sure if that is related. I tried to call XXXX XXXX XXXX XXXX which I was told is their capitol one line and was unable to get through. I do not have an account number or email/letter with that information and therefore believe it to be a scam. I have been badgered with texts daily or weekly over the last 2 months. The number listed on the text to call was XXXX. This number has the same audio recording of a women saying you could use your tax refund to pay your debt. But it just kept repeating over and over. The actually XXXX XXXX agency had music that played in between the audio recorded message.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/23 I SUBMITTED TO YOU ABOUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX IT WAS TAKING OFF THE CREDIT BUREAU.THEY BACK DOOR AND PUT IT BACK ON CREDIT REPORT CHANGING UP NUMBERS AND I CAUGHT IT THEY PUT THE BILL UNDER A DIFFRENT COMPANY BUT NUMBER IS THE SAME AND THE AMOUNT IS XXXX DOLLARS NOW # XXXX .TRYNG TO CHANGE THE NUMBERS UP. BUT I CAUGHT IT THIS IS NOT THE FIRST TIME THEY HAVE DONE THIS CHANGING THE AMOUNT AND MY NAME ON BILL THEY HAD XXXX XXXX ON XXXX NOW THEY HAVE XXXX XXXX NOW THE BILL IS SHOWING XXXX XXXX XXXX XXXX  ACCOUNT # XXXX IN THE AMOUNTOF XXXX FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAD XXXX XXXX XXXX # XXXX AMOUNT WAS XXXX. PULL CREDIT REPORT YOU WILL SEE IT .THE FIRST BILL I SUBMITTED TO YOU WAS # XXXX. ALL ACCOUNT NUMBER FOR THAT ACCOUNT HAS BEEN DIFFRENT NUMBERS BUT THE SAME FORMAT USING BEGINING AND ENDING NUMBERS THE ACCOUNT IS STILL THE SAME. # XXXX, XXXX .OTHER COMPANY NAMES THEY WILL USE IS XXXX XXXX XXXX XXXX  XXXX LAST TIME THEY TAMPPERED WITH MY CREDIT REPORT AND THE AMOUNT. # XXXX. I KNOW ITS A LAW AGAIN TAMPERING WITH SOMEONE CREDIT REPORT AND CHANGING AMOUNTS AND PUTTING DIFFRENT NAMES TO REPORT THIS. I HAVE SENT IN MY DRIVER LICENCE FOR THEM TO TAKE OFF ALL THE MISS SPELL NAMES THEY WILL NOT DO IT ON BIRTH CERTIFICATE I HAVE XXXXXXXX XXXX XXXXXXXX I ALWAY WRITE XXXXXXXX XXXX XXXX  AND XXXX MARRIED NAME XXXX XXXX THEY HAVE MY CREDIT REPORT WITH 21 NAMES THAT IS RIDICULOUS AND NOT RIGHT THAT IS WHY I PUT A FRAUDLENT ALERT ON CREDIT REPORT FOR THAT REASON.PLEASE HELP IF YOU NEED COPYS I HAVE EVERYTHING YOU NEED
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX**** Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I was in the process of making a payment for what I thought would be XXXX 's mortgage payment making me due for XXXX. To my surprise the system showed I was due for XX/XX/XXXX. However I made a payment via certified check on XX/XX/XXXX for the XXXX Mortgage payment making me due for XX/XX/XXXX mortgage payment. To back this up I have credit reporting showing my up to date current status, I have a mortgage statement showing me due for XX/XX/XXXX, I have a payment history I pulled from the website and lastly I have the certified checks attached to back up what I am stating. 

I called and spoke with XXXX, and explained what was going on. On or around XX/XX/XXXX I made a payment for {$1100.00}, however it was not enough to cover XXXX mortgage payment making me due for XX/XX/XXXX. On our around XX/XX/XXXX I made a payment for {$3500.00} covering XXXX, XXXX and XXXX mortgage payments. Then on or around XX/XX/XXXX I made a payment for {$1200.00} which should have covered the XX/XX/XXXX payment. So when I called to make a payment 2 weeks ago undoubtedly I was expecting to pay the XXXX mortgage payment. 

XXXX was stumped on how the payments were misapplied as well as I, alluding to the fact that a payment may have been accidentally applied to my account from another borrower 's account. Nonetheless as I stated this is not the first time this has happened and it's very disappointing. Last week I called back to give XXXX the tracking # 's for each payment while waiting on the hard copies to be sent to me. 

I have been unemployed since XX/XX/2024 and I really dont have the patience or the additional resources to be dealing with this. 

I have sent hard copies of my checks to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX and my XXXX credit cards show in collections on my credit report. My soon to be ex-wife stopped paying them but once I found out, I started making payments to try to repair my credit. 

Even though I have set up payment plans and made 3 months worth of on-time payments, they both refuse to show that I am making payments on this debt. These negatives on my credit report are harming my credit score and since I am making payments, the credit report should reflect that. 

They say they will not change the credit report until the entire debt is paid. I believe that is bad faith. Why would anyone make payments if it isn't going to help their credit?
Product: Checking or savings account

Bank of America has a preferred rewards program that I, XXXX XXXX XXXX am enrolled in. Bank of america has violated the terms and conditions of this program by not boosting my tier credit to the next level due to my qualifying account balances. I wish this to be investigated, as stated by the preferred rewards website, accounts must have qualifying combined balance for 3 months. My account has been maintained with an average of the qualifying amount for the previous three months. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Still no upgrade in rewards. Please have this reviewed.