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

I appreciate your efforts to correct some of the misleading information previously reported on my credit file. However, I am currently not satisfied that you have fully complied with the guidelines of the Fair Credit Reporting Act in your examination. I believe that the remaining items require proper action to ensure maximum possible accuracy in my credit file. Therefore, I am requesting another investigation of the specific account detailed below : XXXX XXXX XXXX XXXX Balance Owed : {$510.00}. If your investigation is unable to confirm the validity of the information I believe is inaccurate, I request, as previously stated under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, that you reinvestigate and update this specific account. Please forward me the names and addresses of the persons contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from the receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this time frame constitutes non-verification, and the items must be promptly updated in accordance with Section 1681i ( a ). Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the items have been updated or erased. Once this has been accomplished, please forward me an updated copy of my credit report to the address listed above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and its my first time applying for an apartment. I got my credit report back from the apartment leasing office and its showing I have XXXX affirm accounts which some are already at collections. Ive never used affirm, never had an account with affirm and didnt know what affirm is until now. I wanted to dispute all the negative affirm accounts on my credit report so I dont have bad credit. I have already called XXXX and started the process with them to dispute all this. I called affirm and theyre doing whatever they can to dispute and help this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that appears on my credit report is incorrect or inaccurate, giving me multiple types of names, a different address than mine.
Product: Credit card

Capital One advertises two complimentary lounge visits per year as a benefit of the Capital One Venture Rewards card. However, nowhere on the website there is an explanation of how to actually use this benefit. 
I called Capital One on XX/XX/2023 and was told that, in order to use this benefit, I should use the Capital One Venture card to pay for admission to one of the partner lounges listed on the website, and I would then get a statement credit. 
On XX/XX/2023 I visited the XXXX XXXX at XXXX XXXX at XXXX airport ( XXXX  ), which is listed on the partner lounge list. I paid with the Capital One card ( they would not let me in otherwise ) and was charged {$53.00}. 
I just received my card statement dated XX/XX/2023 and there is no statement credit. I called Capital One on XX/XX/2023 at XXXX XXXX  and spoke with three different people, including a " supervisor '' and a " benefit specialist ''. All sounded completely unfamiliar with this benefit, and kept insisting that I was not entitled to a credit because I don't have a Venture X card. I repeatedly directed them to the Capital One website, where things are clearly spelled out ( the XXXX XXXX XXXX page clearly states : Eligible Venture X cardholders get unlimited complimentary access for you and two guests, while eligible Venture & Spark Miles cardholders enjoy two complimentary visits per year - see screenshot ), to no avail. Overall I was on the phone for 51 minutes for nothing, because they refused to refund me. 
Capital One failed to provide a promised benefit, which is not surprising since the company is deliberately vague about how to use it. 
Moreover, forcing customers to nearly hour-long phone calls in order to receive a promised benefit is a major deterrent to utilizing those benefits.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

Bank of America placed an XXXX hold on all 4 of my accounts leaving me no access to any of them for over a week. This happened on XX/XX/XXXX and today is XX/XX/2021 and I'm still waiting for the hold to be released. I've been told that the review on the direct deposit has been cleared it's the hold that needs to be removed. I also get told that they will escalate it and that it should be all set in 24 hours. It's been almost a week that I've had no access to any of my money. They wouldn't even allow to me to take some money and open a new account while the deposit was being reviewed so that I at least had some money and could pay my bills and buy XXXX gifts. Now all my payments are being returned for NSF even though I do have money in the accounts. I just want the holds removed so I have move my money out of that bank. I've been a customer there for over 10 years. I'm tired of getting the run a round and just want my money. I've verified that all the deposits and withdrawals are valid on my account and that there's nothing fraudulent. 
one would thing that would suffice since it's my account. I understand the need to review certain things but this is just ridiculous and I need help. I never received a call or letter saying what was going on. I'm being charged NSF by vendors. My accounts still have holds and I don't know what else to do or who can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has verify as accurate accounts that have been sold and verify as accurate collections accounts that I have not received proper notification and validation.
Product: Debt collection

Dentist called XXXX XXXX XXXX XXXX in XXXX XXXX California hired Trojan Professional Services. Trojan was advised that we do not owe {$230.00} in writing but continues to attempt collection of money that is not owed. Dental bill was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accord with the fair Credit reporting act XXXX XXXX XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can't furnish an account without my written instruction
Product: Credit card

I just want capital one to send all 3 credit bureau the age of my credit because its affecting my credit score
Product: Credit reporting or other personal consumer reports

I recently pulled my credit reports and noticed a number of inaccurate, invalid, incomplete, and unauthorized accounts listed on my credit report and file. My information was included in the XXXX Data Breach as well as the XXXX and Experian data breach. I am in the process of getting a mortgage and these unauthorized accounts are ruining my reputation with the banking system. I Need these unauthorized accounts removed immediately. I sent XXXX, XXXX, and experian a letter disputing these accounts more than 30 days ago and they have been ignoring my letters. I know that per federal law the credit reporting agencies MUST respond within 30 days and it's been more than 30 days since they received my letter and haven't responded. These accounts listed on my credit report MUST be ACCURATE as well and they are not. this is UNFAIR and severely damaging my reputation. REMOVE ALL INACCURATE, INCOMPLETE, AND UNAUTHORIZED ACCOUNTS IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

I contacted NELNET through email and also uploaded a document to their website with no response or action taken. 

I did get a response through using CFPB and they state not enough information and this has already been investigated. 

NELNET is violating my rights according to the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/NELNET # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I was lied to tried to close this account they told me it was but items kept hitting. Was frauded for XXXX dollars thru a fake loan company. They also on the same day gave me XXXX and XXXX dollars and my husband within hours of one another.
Product: Credit reporting or other personal consumer reports

So I called Nelnet through the XXXX XXXX XXXX XXXX XXXX was told that they dont remove things from credit reports but they still somehow falsely report to them though. Im a 100 % XXXX vet & I got my student loans paid off in XXXX of this year. On credit apps & other credit reporting websites, its still showing as a balance, which it shouldnt. Not only should it not show that information, but the loan borrowing dates are incorrect & these loans are over 7 years, so they should also be off of my account for that reason as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS FAILED TO LOWER MY CREDIT USAGE PERCENTAGE EVEN THOUGH I PAID MY ACCOUNTS. & AM UNDER THEIR REPORTED CREDIT percentage ratio
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporter Act, XXXX XXXX XXXX # XXXX has violated my rights. 

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 your account without my written instruction
Product: Credit card or prepaid card

CREDIT CARD FRAUD or INTENTIONAL BANK NEGLIGENCE? 


Dear friends, A new client retained me to provide professional services on website development. He paid over the phone in four ( 4 ) installments using credit cards that later turn out to belong to other people and were apparently used without their knowledge and consent. Note : using different credit cards is not unusual in my experience and, though they had different zip codes, they were all under my clients name. 

Bank of America, the bank Ive used for about 20 years, successfully processed and approved these transactions but then reversed the latest one due to unauthorized credit card charges. During the last week, I was contacted by the cardholders of the credit cards used for the other three payments inquiring about such charges because they did not recognize them. 

At this point, it looks like I was subject to a scam. My clients gain was that he got me to pay, on his behalf, the graphic designer he hired by depositing directly into the designers bank account, also with Bank of America, given that he could not receive payments online ( {$5000.00} in total ) This is not only a frustrating situation but a financial drawback that can not come at a worse time. I engaged the police department and the FBI not only to report a crime but because this problem goes far beyond what happened to me. In my view, it is not right for a financial institution to serve as a facilitator of criminal activities instead of working to minimize/prevent security risks for their customers and then dumping the responsibility and losses on us, the business that use their big platforms to process payments, and that is exactly what they did. 

I hope the documents submitted along this description provide all the information and details needed to illustrate and support my complaint. Such documents include : 1. A chronological list of the interactions with the person I believed to be a legitimate client ( as requested by the Police Dept. of XXXX XXXX, FL ) as well as a description of what took place in each one ( though rare, his requests were not totally unusual ; Ive dealt with pretty difficult and weird clients throughout my long professional career but never before was I subject to a fraud ). 

2. eMail chains with client ''. 

3. Invoices : - to client '' - from the client 's designer to me. 
- quote for a 2nd website " client '' requested. 

4. eMessage chain ( except for two phone calls and a few emails, most of our conversation was through eMessages ).
5. Screenshot of Merchant Transactions. 


I will certainly appreciate any advice and help you can provide in order resolve this situation or to point me in the right direction to seek legal action against Bank of America, including possible class actions that you may know are already being advanced against them regarding this type of what I would describe as deceiving and predatory financial practices. 

Sincerely, XXXX XXXX
Product: Mortgage

1. Green Tree purchased our mortgage from XXXX at the end of a Chapter XXXX bankruptcy. ( XXXX/XXXX/2015 ) Payments to Green Tree began on XXXX/XXXX/2015. 

2. At the end of bankruptcy, we sought to refinance the house to save $ 600+/month in payments. 

3. Green Tree has a " policy '' to " not report for the first 90 days after service transfer. '' As such, payments were made to Green Tree ( for which they have all proof and documentation, but we will also provide canceled check copies ). However, no payments were reported to credit bureaus. This is in a letter we received from Green Tree dated XXXX/XXXX/2015. ( We will also provide a copy of the letter. ) 4. Because of post-XXXX mortgage rules in the Dodd Frank Act, a refinance can not be done unless payment history is unbroken. The 90-day-gap that Green Tree creates in payment history means that their customers can not refinance to another company! As a financial institution, they would know this. This has kept us from re-financing with other lenders. 

5. Therefore, this constitutes a XXXX where a consumer is unable to leave the patronage of Green Tree Servicing LLC ( This is a criminal action! ) due to the Dodd Frank rules. Green Tree purchases a mortgage, creates a gap in credit history, and that renders customers unable to leave their service. 

6. We simply want Green Tree to report payments they received to the credit bureaus. This would allow us to re-finance. Presently, this is costing us an additional $ XXXX. If this continues much longer, we will also be forced to take civil action to recover some of that monthly cash flow. We have XXXX children in college, this year - we need that money, desperately. We ca n't afford to be held hostage to XXXX like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experians fraud dispute department today : XXXX, XXXX 2021, on or around XXXX XXXX  PDT. 

I spoke to a fraud agent by the name of XXXX located in XXXX XXXX. After providing my personally identifiable information, she immediately told me to hold without asking if she could put me on hold. Also, she did not explain why I was being placed on hold. 

This is an improper hold procedure. The agent has to get permission from the consumer. In addition, XXXX did not refresh the call. 

After a long hold time, she took me off hold and disconnected the phone and hung up on me. In addition, I did not get a phone call back.
Product: Debt collection

The Debt Collection Company, Trans World Systems was trying to collect an alleged debt they stated that I owe from XXXX XXXX, in XXXX of 2023 for {$800.00} for a period of XXXX months, a utility that does not even service the area that I live in. TransWorld Sytems was served with a 30 day notice to Validate the debt via certified mail, and answer pertinent questions to factually Identify the debt as mine, but they have failed to do so statutorily, and are not in compliance with furnishing the information request within 30 days. They have negatively filed a collection account with the three credit bureaus and despite my consistent communication with them telephonically, and through the debt validation letter, they have refused to comply with my requests to validate the collection account and remove it according to the Fair Credit Reporting Act and the law governing this alleged transaction.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Student loan

I ca n't afford my payments. Navient will not work with me because my consigner makes too much money. My income will is irrelevant. I have asked for hel multiple times and they offer no options.
Product: Credit reporting 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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report.
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 : # 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 has violated my rights. 

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 an 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, credit repair services, or other personal consumer reports

Equifax.com has repeatedly violated my rights by reporting inquiries and closed accounts that show negative on my report. I have sent them a letter and a identity theft report that I filed before these accounts showed on my credit report that I was a victim of Identity theft and fraud. They refuse to remove these fraudulant claims from my report. it has been more then 30days and they are avoiding my request by sending stall letters saying i have the wrong company to dispute. I have clearly sent it to their dispute department otherwise they would not have sent a letter stating it was the wrong department. They have avoided my identity theft report that i have filed. I am very upset and hope that you can help me resolve this matter with them.
Product: Credit reporting or other personal consumer reports

I need capital One to return all funds paid electroncally this is my final notice before I start The court proceedings I must remind capital one starting a court case is free in the united states im fully aware of my rights and no adqeuate consideration was given in this consumer credit trasactions also respond to me in writing sign it under penalty of perjury as well you can reach me at XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX this not a joke this is MY LIVELIHOOD
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report. I am demanding that the fraudulent charges and inquiries be blocked and removed.
Product: Credit card or prepaid card

Ollo card XXXX XXXX XXXX XXXX XXXX. I asked for confirmation of debt. I requested for the wet signatures. I reviewed a statement bill. This is not confirmation of debt. They told me the debt was confirmed. I asked who confirmed it and asked for the name, address, phone number and job title like lawyer. They could not answer that question. I said I just confirmed you are a incompetent XXXX. Banks can not loan money modern money mechanics book from federal reserve. XXXX. Banks take peoples signature promises to pay and exchange them for credits. Basic bookkeeping with debts and credits
Product: Debt collection

This is not my account I did not open this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  during this time. This is not my bill. I did not open this account. We never receive a bill. What address was used to open this account? I refuse to pay for something that I did not do.