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

Capital One has failed to investigate the ov er 30 transactions I marked as fraud. They are simply refusing to do so and I have no option left but to use this agency as a means of posting my formal demand letter. I have sent Capital One many letters ( see screenshots ) and made dozens of calls totaling over 50 hours regarding this issue. They have continued to deny opening investigations into the charges I attempted to dispute. I no longer have the time to continue to pursue this with them. They have now received 3 certified mail items over the past month demanding they address these disputes. They have not responded to any of them. I have included one h ere. 

This is my record of demand since due to their lack of communication and of honoring their user agreements with me, I will be forced into litigation. 

They have no offered no third-party arbitration or settlement. The amount is over XXXX USD. The company has stopped responding and unless EVERY resolution offer is satisfied, I will open a lawsuit. This is my last attempt.
Product: Debt collection

Rhodes Kelly is reporting a collection account in the amount of {$98.00} that should have been turned into XXXX XXXX and XXXX.XXXX  XXXX XXXX XXXX XXXX should have turned in to BOTH for payment and failed to do so.i have had XXXX sinceXX/XX/XXXX.i am sending copies of my insurance cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a XXXX reported delinquency on my payoff of the lease-end residuals. I just want to take this opportunity to point your attention to the fact that I have 2 leases with XXXX XXXX for the entire life ( 3+ years ) of these leases I was never late with my payment. 
I was paying it off in a good faith, as arranged with their lease-end dept. representatives, who reassured me that have time to pay until charge-off of the Account, that would have happened in XXXX, 2021, when I spoke to them in XXXX and then again in XXXX. Based on that arrangement I spaced my payments to complete paying off the balance by end of XXXX. To accomplish this I was making 2 to 3 payments a month ( see below ). 
Date Received Amount XX/XX/2021 {$400.00} XX/XX/2021 {$200.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$300.00} Now when I found out that my account was reported as delinquent on XX/XX/XXXX, which caused my credit score to plummet, I called again and happen to talk to the same XXXX representatives I spoke in XXXX, but he didnt acknowledge that arrangement, and continued to state that they didnt indicate that I have time to pay until charge-off of the Account that would have happened in XXXX. They caused me financial difficulty by reporting my account as delinquent to 3 credit agencies, which caused my credit score to drop 40+paoints ( from excellent to good ).

As a result I filed a dispute with 3 Credit Agencies : Experian, XXXX, and XXXX  and writing to you as a consumer with an excellent credit rating to right this wrong so that I can have back my excellent credit score that I worked so hard to build and maintain for the past 15 years. They ruined me. Looking forward to the positive outcome of this complaint.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Details of Disputed Inquiries : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /  XXXX  ,  XXXX   XXXX   XXXX  filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my  XXXX  credit reports. I 've already reached out to them directly but to no success.
Product: Prepaid card

On XX/XX/2024 I purchased a prepaid gift card via the online store vanillagift.com in the amount of {$200.00} as a gift for my girlfriend. As a XXXX supported prepaid gift card, I assumed its use would be widely accepted and that seemed true based on the cardholder agreement. 

This assumption was wrong. As she attempted to use the card it was frequently getting denied. We attempted several different vendors and received the same result. A call to customer service by her yielded no assistance. As I looked for answers online, it seems to be a common trend that vanilla gift cards are not working as promised in the cardholder agreement and calls to customer service go unanswered.
Product: Credit reporting or other personal consumer reports

Report Number XXXX Date Generated XX/XX/year> Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Experian Experian XXXX to be investigate XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i report accuracy of information and ensure all disputes are verified. Experian can not verify the accuracy of the payment history under 15 USC 1681b. If you can not accurately verify the payment history I will seek legal actions against Experian under 15 USC 1691e
Product: Credit reporting or other personal consumer reports

I reviewed my credit profile on XXXX XXXX and I noticed inquires I do not recognize.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, ms XXXX In relation to medical debt, this is NOT a validation of this debt. I am requesting my signature for the services provided, I dont recall. This is a direct Hippa violation with diagnosis codes without written or signed consent. Please send my signature where I received services or remove from my credit file. 

Hippa violation showing diagnosis codes without signed or written consent. Please investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL THESE ADDRESSES I HAVE NEVER LIVED AT/DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX CA XXXX, XXXX XXXX FXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXD XXXX CA XXXX, XXXX XXXX XXXX XXXX # DW XXXX CA XXXX, XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX AK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXXXXXX AK XXXX XXXX ( AND ) PLEASE REMOVE ALL THESE NAMES THAT IS NOT MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand what my rights are under the FCRA summary shown on Experian, my rights have been breached with the accuracy, fairness, and privacy of information. I have never consented to this person towards anything related to my credit/or accounts.
Product: Credit card

This complaint is against Wells Fargo, revolving around their settlement with the CFPB We received 3 letters from them saying they owed us around {$7000.00} for penalties of their wrong doings.

here are the reference numbers from WF : XXXXExact amount not known. Wells didn't/could n't tell us. 

XXXX-amount due us {$2000.00} XXXXamount due us- {$2400.00} I have no way to determine if these amounts are correct. They expect me to take their word for it. That has not worked out too well in the past. 

I have called them many times. Mostly about number # XXXX and XXXX Called once on XXXX. 

ON XXXX Called on XXXX-spoke to XXXX. It is in the process of being mailed. 

On XXXX on XX/XX/28 at XXXX XXXX  spoke with XXXXexpect it in 30 days. 

on XXXX I have called at least 5 times, that I have some notes on : XXXXLeft message XXXXleft message XXXXspoke with XXXX XXXXspoke with XXXX XXXXspoke with XXXX. 

Every time their excuses are that it is in their process, the system, and is almost ready to go out! 

I am tired of waiting, and being lied to. 

I want my money, along with a complete accounting of how they arrived at those numbers. The name Wells Fargo would be a good name for a bank
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor XXXX has violated my Rights, under Act 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15. Act 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. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to formally dispute the inaccurate information on my credit report for account XXXX XXXX XXXX Account # XXXX. Despite previously disputing this account, the information remains inconsistent and continues to violate the Fair Credit Reporting Act ( FCRA ), which requires that all information on credit reports be accurate, complete, and verifiable. The continued reporting of inaccurate information constitutes a violation of the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ).

The account in question contains discrepancies in the following areas, as well as others : High Credit Limit : The reported high credit limit on the account is inconsistent across different updates to my report.

Date Last Active : The reported date last active is inconsistent and changes with each reporting update.

Date of Last Payment : There is also an inconsistency in the date of the last payment on the account.

These inconsistencies suggest a failure to maintain maximum possible accuracy as required by Section 1681e ( b ) of the FCRA. Furthermore, by failing to correct these errors after my initial dispute, Transunion may also be in violation of Section 1681i ( a ), which mandates that credit reporting agencies reinvestigate disputed information in a timely and reasonable manner.
Product: Debt collection

After I graduated from university, my job as a XXXX XXXX XXXX did not pay as much as the school promised. I struggled to pay for rent, car payments, insurance and necessities. With my parents help however I started slowly repaying loans, first those with high interest rates. There was one instance where XXXX processed the payments but did not credit my account. This was my first problem with this private for profit collection agency. After my complaints XXXX issued an apology and recorded my payments. 
In 2017 still experiencing financial hardship I fell behind in loan payments and XXXX overreacted by placing my loans in default. The U.S. Department of Education demanded that the entire outstanding loans be paid immediately or threaten to refer my debt to a collection agency. So my mother took a XXXX XXXX dollars loan from her employer to help me. 
On XX/XX/XXXX I called the Department of Education customer service center to make sure that the payoff amount was accurate. ( XXXX phone log is available upon request ). The customer service representative adjusted the total payoff amount to {$19000.00} My parents transferred the money to the D.E. account on the same day. 
Three weeks later on XX/XX/XXXX, I logged on to XXXX account to make sure that my payment was recorded correctly and that there wasnt any other outstanding charges, the account showed a balance of {$0.00} I truly believed that I was done with loans, but then a letter arrived on XX/XX/XXXX stating I owned more money. How could that be? Now Credit Adjustments Inc. of New Hampshire wants to extort more money {$880.00} for their role in collection process. I am not at fault here. It was the Department of Education or XXXX who failed to maintain procedures to ensure accuracy of loans. Also they provided inaccurate loan payoff information which created false belief regarding my loan. For those reasons I shouldnt be responsible for paying extra interest or collection fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to unfreeze my credit report. It could not be done online, and asked that I send in documents. I sent in all documents. They charged me the XXXX $ fee, but have not unfrozen my account.
Product: Checking or savings account

On XX/XX/2020 a Check was drafted from my account which brought it to a negative balance. On XX/XX/2020 at XXXX central time I received the email notification that my account balance was lower then {$25.00}. Bank of America had already taken out the overdraft fee of {$35.00} the previous day XX/XX/2020. I received no other notification that my account was low on the day it was negative and didnt have the chance to avoid the {$35.00} fee prior to it being charged. The account is no longer negative as of XX/XX/2020 at XXXX XXXX  central time. I requested that the fee be waived because their notification was a day late in their banking app chat box and didnt receive any assistance beyond a number to call, but Ive had it with their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was sent to both XXXX XXXX Equifax that someone with a similar name/address information was incorrectly added to my credit report. Also address listed is very similar to my address. It has been over 30 days without a response from either bureau to remove inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report from XXXX   and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. I am a victim of identity theft, and I did not authorize anyone to open accounts under my name. I am requesting to investigate and remove the fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

I received a letter in the mail requesting collection of debt XX/XX/XXXX for a XXXX card. The letter I received says I allegedly owe {$1400.00}. I contacted XXXX to verify what information was in their system to validate the legitimacy of the letter, at which point I was informed that the debt was being managed by a separate collection agency/law office. I found this odd because the debt was not on my credit report and in XX/XX/XXXX, I received a letter stating my inactive account was being credited for an identity or credit protection service I had during the time my account had been active. Also in XX/XX/XXXX, I received in the mail a pre-approval letter for the XXXX XXXX XXXX card, which further confused me. Yesterday, XX/XX/XXXX, I received another XXXX card offer for a XXXX XXXX card. If I had outstanding debt with XXXX, why would I be eligible for their top cards? 

The 3rd party organization also sent a letter claiming to file a foreign judgment with the current state I 'm living in, which I do n't even understand what that means. 

This matter has resulted in further research and I uncovered that XXXX broke the law by providing inaccurate and inflated interest rate information for about 130,000 credit card accounts it sold to debt buyers. The bank also was accused of failing to promptly forward about 14,000 payments from customers, totaling about XXXX XXXX, to the debt buyers. When I reached out to the 3rd party company that sent the letter, I was told that only {$200.00} worth of payments to XXXX was recorded associated with the inactive card account, which again makes no sense. 

I also learned that from at least XX/XX/XXXX to XX/XX/XXXX, XXXX used misleading statements to get people to sign up for debt protection services, and charged for credit monitoring services it sometimes did n't provide, the consumer protection bureau said. XXXX also charged a {$14.00} fee for same-day payment on delinquent accounts, a service that most users did n't need, according to the agency. Which I had clearly been a victim of due to the refund letter received.
Product: Credit reporting or other personal consumer reports

According to15 U.S.C 1666B The timing of payments creditors 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. Please review these accounts for any violations of the fair credit reporting act. 

1. ( XXXX XXXX XXXX account number XXXX ) 2. ( XXXX XXXX  account number XXXX ) I would like these accounts removed if no evidence is provided that I was notified XXXX days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or CAIVRS. ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

15 U.S.C 1681 section 602 A. States I have a 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. 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 card or prepaid card

My problem is with Bank of America. I have filed a complaint with them, and my claim number is XXXX. I have complained to OCC and my claim number with them is : XXXX. I filed a complaint with my local police department, XXXX XXXX  in XXXX, to XXXX XXXX. The file number with the police XXXX is XXXX. The address of the XXXX is XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX The detective'snumber is XXXX. 
My complaint is that my credit card was charged {$2000.00} and {$500.00} respectively on XX/XX/XXXX and I noticed the charges on XX/XX/XXXX. The bank has not sent the new card. They sent a replacement cardthat now expires XXXX. This is the second time that I have had a serious problem with Bank of America. A few months ago, one of my checks was laundered and cashed in Bank of America. The check was for over {$6000.00}. It was very hard to get closure. My other bank, on which the check was drawn, made things right.

Please look into this bank 's practices. Please help me.
Product: Student loan

I received a letter from Mohela claiming to have qualified for a " rebate '' on XX/XX/year>. Yet, the amount of the rebate was at {$0.00}. This is not the first time I have received misleading correspondence from the loan servicer. I spent an enormous amount of time on the phone trying to figure out why the letter had been sent. Instead of any real answers, I was met with " Sorry ''. After much research online, it doesn't even seem like this is the first or second time a letter like this has been received by Mohela borrowers. It seems like a very consistent problem for Mohela. I think the unnecessary correspondence is enough but to tease a borrow with a rebate after more than 10 years of consistent on-time payments is cruel. So, if they are aware of the problem why is nothing being done to resolve it? The representative for Mohela even claimed they don't send out " rebate '' letters. An additional blow.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current supplemental Consumer Credit Information thats currently reporting on my Core Logic , Inc credit report is all fraudulent information. There shouldnt be any reported information on my Core Logic consumer report.