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

Capital One charged me a {$15.00} late fee on XX/XX/XXXX and a {$15.00} late fee on XX/XX/XXXX. The creditor failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees. Please note, I have did not sign up for paperless statements for those billing periods. If Capital One disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt. 


In addition to this, I obtained refunds from several companies for returning merchandise. 
{$29.00} refund on XX/XX/XXXX, {$380.00} refund on XX/XX/XXXX, {$29.00} refund on XX/XX/XXXX, {$480.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$270.00} refund on XX/XX/XXXX, and a {$180.00} refund on XX/XX/XXXX. Please provide a credit for the interest charges associated with these charges that were refunded. 

Please note, I am requesting a refund for the late fees, interest charges associated with those late fees, and interest charges associated with the charges/transactions that were refunded by the merchants. Thank you.
Product: Credit reporting or other personal consumer reports

The following is a list of inquiries that were authorized without my consent, using my personal information to open accounts fraudulently. The inquiries in question are 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence of furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES : TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX

Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Vehicle loan or lease

Capital one auto finance Has denied request to move payments to end of the loan due I have been out of work due to Covid and waiting on unemployment since XXXX saying that I have to pay even with representatives calling at XXXX and XXXX at night
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the 3rd time I have had to file a complaint against equifax for reading accounts back to my credit report which could not be validated as belonging to me and then they re add the accounts without giving the proper notification. On top of XXXX XXXX not being able to validate a debt they just keep sending an account summary which according to the FCRA does not validate a debt, Equifax refuse to remove it and they keep reading XXXX XXXX Accounts back to my credit report. XXXX XXXX has to accounts one is XXXX   and the other one is {$550.00} they just keep adding these accounts back to my credit report ruining my credit worthiness and not caring just been consistently reckless and their supervisors are rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/year> XXXX FUNDING C/O RESURGENT CAPITAL XXXX XXXX XXXX XXXX SC XXXX Subject : Cease and Desist Communication Dear LVNV funding c/o resurgent capital I hope this letter finds you well. I am writing to address the recent communication I received regarding the alleged debt associated with my account. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692cc, I am exercising my right to request that you cease all communication with me regarding this matter. 

Please be advised that I do not wish to receive any further calls, letters, or other forms of communication concerning this debt. According to the provisions of the FDCPA, you are required to honor this request, and I expect no further contact from your office. 

If you believe that you have a valid claim against me, I encourage you to provide documentation verifying the debt. Until such verification is received, I will consider this matter closed and will not engage in further discussions. 

Thank you for your attention to this matter. I look forward to your compliance with my request. 

Sincerely, XXXX XXXX
Product: Credit reporting

Dear XXXX, This letter is to address an XXXX XXXX bill that was sent to collections back in 2011. I am disputing this because I never received a bill from XXXX XXXX. And when I tried to communicate with XXXX XXXX, they told me the address they sent the bill. That address they had on file was not my correct address. I told them there was a mistake and this was not my address or the address I gave to them when I signed up for the XXXX credit card. XXXX XXXX told me they already sent the bill to collections and it was out of their hands. That 's when a {$20.00} dollar bill turned into {$270.00}, which really upset me to not want to pay the bill at all. 

Now it 's 6 years later and I am trying to get a home and refinance my student loan. I have my XXXX child on the way and I need to provide for my family. I can not do so because of this negative credit report from XXXX XXXX. I ca n't believe how these pair of flip-flops I purchased from XXXX XXXX has haunted me. I do n't care anymore that a twenty-dollar purchase at XXXX XXXX has turned into a {$270.00} dollar purchase. I already paid the bill that was owed to the collections agency, XXXX XXXX. I asked for a pay for deletion and they said that I would need to talk to XXXX XXXX 's Charge Off Department. I was sent to you and asked to write a letter to this XXXX. I know you get these letters every day, but there has been an honest mistake. I am asking for you to see a person, not another letter. I am asking you to listen and try to understand my situation. I am a person, just like you. Trying to better myself to better my family, just like you. Trying to feed a family and make a life for them, just like you. I am asking for your help to get this error corrected. Specifically, I am asking to get this negative mark from XXXX XXXX off my credit history. I understand you 're busy and it is hard to read letter after letter and care. But please try. This is my life. 

I appreciate your time and understanding. If you have any information that would help my situation, please let me know. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX : Ref : XXXX XXXX inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My initial inquiry on my transaction with Wells Fargo led me to research all activities on my account. I noticed an ACH  payment of {$100.00} made on XX/XX/14 never posted to my XXXX XXXX account. When I looked deeper into my account I noticed there were two unauthorized transactions on my Wells Fargo bank statement listed as XXXX  ACH   PAYMENT. First transaction on XX/XX/XXXX for XXXX and the second transaction on XX/XX/XXXX for {$500.00} to XXXX XXXX XXXX XXXX. A trace id number was provided by Well Fargo, however, they were unable to locate. A claim was opened for a transaction dispute. I then contacted XXXX XXXX and inquired about these transactions and they were not able to locate these payments. A total of {$910.00} has been withdrawn from my account without my authorization. I am filing a police report because there was fraudulent use on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have inquiries on my credit report from XXXX and XXXX XXXX that i did not authorize XXXX XXXX was on there 3 times and they only removed one the other two dates are are still reporting file # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent my first dispute letter and disputed these accounts ( XXXX XXXX, XXXX ) via certified mail. After they received my correspondence they sent me back a letter stating it was verified. I asked them several times to send me their method of verification with names of persons involved in verification, in which I never received. The last correspondence I sent was XX/XX/XXXX and I still have not received any evidence of this debt.
Product: Money transfer, virtual currency, or money service

I AM WRITTING TO FORMALLY EXPRESS MY CONCERNS REGARDING ZELLES handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transactions was infeasible. The CFPBS finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX my mommy transfer XXXX XXXX USD to my checking fifth third bank account. The money take so long for came true in my account so I decide go straight to the bank and for my surprise the bank close my account in XX/XX/XXXX. The bank told me can't tracking any swift transfer, so my mommy decided pay investigation in her brazilian bank and the brazilian bank provide the XXXX, the XXXX the XXXX from new York confirm the fifth third bank accepted the money. I contact fifth third bank and the customer service say don't know what I'm talking about, do not recognize the XXXX, now I don't have the money, the fifth third refuse give my money back dont have any refund money number or nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Credit card or prepaid card

1 ) why did BOA allow charges over my limit?

2 ) Amount stated due has been disputed withBOA and is due to COVID and country closure.

3 ) BOA has been faxed all supporting documents including email copy of XXXX XXXX stating a refund is coming but is several months out. 

Purchase dates : XX/XX/2021 Disputed with BOA : XX/XX/2021 BOA Call : XX/XX/2021 & XX/XX/2021 Documents faxed to BOA : XX/XX/2021 So BOA is erroneously reporting a bad mark on my credit AND refuses to research or consider the documents sent to them showing country closer due to COVID. They have not kept up their advertising of covering their clients due to COVID related issues and have done no research into the documents provided.
Product: Credit reporting or other personal consumer reports

On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of this account. However, I find it perplexing that Experian, XXXX, and XXXX present varying payment histories for the periods. By virtue of rule XXXX, I assert my entitlement to access the information you are legally required to possess for reporting such information. In other words, for the provided information to be deemed " verified, '' the furnisher must possess sufficient evidence supporting its veracity, fulfilling the requirements stipulated under 15 USC 1666b. Furthermore, it should be noted that under 15 U.S.C .1681A, I, as a consumer, am entitled to privacy protection. Additionally, 15 U.S.C .1681B prohibits a consumer reporting agency from furnishing account information without my written instructions. Lastly, 15 U.S. Code 6802 establishes obligations with respect to the disclosure of personal information, including the requirement for clear and conspicuous explanations to consumers on exercising their right to prevent Experian from disclosing personal information to third parties. Remove these accounts. 

XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$1300.00} and they want me to pay back {$6200.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and noticed several fraudulent and unknow companies reporting inaccurate and fraudulent information on my credit report. I filed a FTC report and notified my local authorities of the issue. I submitted the FTC report to Experian and XXXX  on XXXX XXXX, XXXX to prove thatXX/XX/XXXX, along with XXXX XXXX somehow obtained my information fraudulently from a consumer who has compromised my identity and destroyed my credit integrity on XXXX XXXX XXXX  Less than 30 days later I received an alert saying the accounts were updated with the same information reported from the prior month. I submitted another dispute with the FTC report and including my Driver 's License a current mailing with my true and accurate identity again with both Bureaus and the Companies updated the information again with a late fee added of {$54.00}. I am very disappointed in both Experian and XXXX  in their performance in upholding the consumer laws. I have validated my true identity in each mailing and online dispute with both Bureaus. I want my CREDIT integrity restored and all fraudulent activity in my report that's not mine to be REMOVED.