23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This complaint is a follow up to complaint XXXX. XXXX XXXX XXXX XXXX is saying that I received two credits in the amount of XXXX $ XXXX $ on XXXX card ending in XXXX from XXXX XXXX XXXX The XXXX $ refund was correct and I disclosed that to XXXX XXXX XXXX card. However the XXXX $ was not credited back to me. I will upload my XXXX statement from card ending in XXXX showing the reversal as XXXX card had a system failure and had to correct a lot of things. The statement and XXXX XXXX  can confirm this. This dispute all from a canceled flight and XXXX XXXX way they told me to handle. Please refer to CFPB complaint XXXX for all details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a formal complaint about TransUnion credit reporting agency. After 13 years of being divorce my credit report still states my married name. I provided TransUnion with a copy of my XXXX XXXX of California dissolution papers stating that line item on the legal document states my name to be restored to my maiden name and a copy of my California Driver 's license. TransUnion stated this is not sufficient enough ... ... they would not change my name back because it's not a 'legal document ' ... ..
Product: Credit reporting

I had a public record for a unpaid tax lien for NYS through XXXX XXXX XXXX that I provided proof it should have been vacated and deleted. Experian did delete it- and now it has reappeared. I am trying to buy a house-and this is causing a tremendous financial strain- as it has made my fico score drop.
Product: Debt collection

Pleas be advised, I am requesting that Midland Credit Management INC reporting debt needs to deleted from my credit profile it needs to be removed due to inadequate valid reporting of me having a signed contract with them. I clearly have no financial obligation with the company, and by law they need to be removed from my credit report profile. By law a collection agency can not report a debt to the credit bureaus which has not been validated and I have addressed the needs to this company over and over for a whole year and the problem at hand has not been corrected. Again, I do not have a financial obligation with those company listed. Do not confuse Verification with validity. I have proof where I have sent this company lawful notices of FDCPA SECTION 809. Validation of debts [ 15 USC 1692g ] Midland Credit Management Inc has failed to respond to my disputes within a timely manner, with a proper response. 
XXXX XXXX ( the consumer )
Product: Debt collection

The credit card account was closed. Then I received a phone call from XXXX claiming that I made airline purchases using that account. I informed XXXX that there was fraud on that account because I did not make any of those purchases. They then had me fill out fraud forms which I returned to them. I was told by them that the issue would be resolved. A few years later I received a collections letter from Portfolio Recovery Associates stating that I owe {$1400.00} from the XXXX account. I explained to them that there was fraud on that account and that I did not owe them. Portfolio Recovery dismissed my statements and said I would have to pay that amount.
Product: Credit reporting or other personal consumer reports

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

Attached to this letter is all necessary victim determination documentation needed to remove this adverse information on my report. According to section 605B, The Transunion reporting agency must remove this negative information within 4 business days of my written notice. All adverse information in my consumer FICO report has been attached to this letter in a PDF attachment, listing all accounts.
Product: Credit reporting or other personal consumer reports

this company is reporting on my consumer reports with an alleged debt claim, I've made several attempts requesting they validate their claim which they have yet to do. I've asked them to cease their collection and reporting until they've validated their claim in violaton of FDCPA they continue their tatics. 
see attachment
Product: Debt collection

Navient is a student loan debt, collecting agency which has sent me numerous postal and digital correspondence attempting to collect a debt. I responded on, XX/XX/2022, by simply asking for this company to provide three things : validation that this debt belongs to me, verification of this debt belonging to me, and for a copy of the original contract containing my signature and the signature of a Navient authorized representative. Since then Navient notified me, XX/XX/2022, that it had started a credit fraud investigation, untruthfully stating that it's per my request, on XX/XX/2022. I never requested this. Navient has sent via postal mail dated XX/XX/2022, a documented list of loan disbursements, interest accruals, and a promissory note. Neither of the aforementioned documents validate or verify that this debt is mine nor does a promissory note equate to a contract ; note, this was my postal response to them on XX/XX/2022. The promissory note contained the printed name XXXX XXXX XXXX, but no signature from either side. If this is a legitimately, legal business, there should never be an issue with providing, verification, validation, and the contract. Paying what I owe legally is desirous, but paying without legal validity is consumer abuse. As of today, I have received another digital correspondence from Navient dated XX/XX/2022, stating they have begun another credit investigation. I did not request this either. This " company '' is using its resources to degrade my credit and threaten my livelihood.
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 XXXX XXXX : Account # XXXX 15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.

15 U.S.C 1861c ( a ) ( 5 ) Section State : 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 1861s-2 ( A ) ( 1 ) A person shall not furnish any information remaining 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

Which in return lowered my credit score significantly I have no missed payments with them I have not asked for help or forgiveness during your covid-19 I have actually made more then asked payments,, There are also a couple other credit cards that have lowered my limit resulting in Lowering credit score
Product: Debt collection

On XX/XX/2018 a collection for two bills from XXXX/Capiopartner showed up on my XXXX   Credit Report. The two bills are for XXXX HOSPITAL in Texas. 
The First bill is for {$1200.00} and the second bill is for {$1000.00}. I called the credit collection agency XXXX/Capiopartners to resolve this collection at the following numbers : XXXX they refered me to another phone number XXXX. After 22 minutes of waiting and being transfered around I finally got a person who said she could not help me. I filed a dispute with XXXX  twice. They received a confirmation back from XXXX/Capiopartner that the information was correct and these two bills from XXXX HOSPITAL were correct. I do not know XXXX HOSPITAL and have never been to that hospital. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 17 open accounts with Fedloan Serving that were placed in  forbearance as part of the Cares Act back in XX/XX/2020. Over the course of the past two months my credit scores have plummeted ( in excess of 50 points ) as the information reported to the credit bureaus has been inaccurate - resulting in me no longer qualifying for a mortgage I was pursuing. I have made numerous calls to Fedloan in an attempt to get this corrected. During one call I was advised it was a credit bureau issue and to file disputes with all three agencies, which I did and they're still under investigation. During another call I wasn't getting any resolution through the Fedloan agent and requested a supervisor. The supervisor advised me of an option to submit a credit dispute directly through Fedloan, which has to be done through the mail. During the most recent call with Fedloan, the agent began laughing as I was asking a question relative to the latest information being reported by Fedloan to the credit bureaus. Below, is a breakdown of the discrepancies from each credit report obtained from XXXX, XXXX, and XXXX  ( PDF also included showing examples ) : XX/XX/20 XXXX  - Account Status - Closed, Payment Status - Pays Account As Agreed, Comments - Payment Deferred, Payment History - No XX/XX/XXXX Payment History Reported XXXX  - Account Status - Open, Payment Status -Pays As Agreed, Payment History - No Payment History Reported for XX/XX/XXXX XXXX  - Account Status - Open, Payment Status - Current, Was 180 Days Past Due, Comments - Payment Deferred & Account in Forbearance, Payment History - XX/XX/XXXX Payment History Reported XX/XX/20 XXXX  - Account Status - Closed, Payment Status - Pays Account as Agreed, Comment - Payment Deferred, Payment History - No XX/XX/XXXX Payment History XXXX  - Account Status - Closed, Payment Status -Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XX/XX/XXXX XXXX  -  Account Status - Closed, Payment Status - Current, Was 180 Days Past Due, Comment - Payment Deferred, Payment History - XX/XX/XXXX Payment History Reported XX/XX/20 XXXX  - Account Status - Closed, Payment History - Pays Account As Agreed, Comment - Payment Deferred, Payment History - No XX/XX/XXXX/ XX/XX/XXXX Payment History Reported XXXX  - Account Statue - Closed, Payment Status - Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX XXXX  - Account Status - Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XX/XX/XXXX and XX/XX/XXXX Payment History Reported XX/XX/20 XXXX  - Account Status - Open, Payment Status - Pays As Agreed, Payment History - XX/XX/XXXX Payment History Reported, No Payment History For XX/XX/XXXX XXXX  - Account Status - Open, Payment Status - Pays As Agreed, Payment History - XX/XX/XXXX Payment History Reported, No Payment History For XX/XX/XXXX XXXX - Account Status - Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XX/XX/XXXX and XX/XX/XXXX Payment History Reported
Product: Credit card or prepaid card

Reporting in accurate information damage in my good credit and name
Product: Credit card or prepaid card

I telephoned Citi Cards ( Citibank VISA ) on XX/XX/20 to request a deferred payment on my credit card. The CSR ( Customer Service Representative ) advised me on their recorded line that my next payment was not due until XX/XX/20, so I did not need a deferred payment at that time. I began receiving emails and a text message on XX/XX/20 advising me that I was then delinquent regarding a payment and Citi Cards ( Citibank VISA ) was charging me a {$29.00} late fee and they were then demanding over 3x the normal bi-monthly payment of {$170.00} that they now claim was due on XX/XX/20. I requested that Citi Cards ( Citibank VISA ) review their recorded conversation I had with their CSR on XX/XX/20. During this international / national crisis with Covid-19, Citi Cards ( Citibank VISA ) is acting with a complete lack of compassion for the hardships being endured by the American people as well as engaging in deceptive trade practices. This conduct is illegal during normal times, but is reprehensible during a national emergency. My personal income has been cut in half during this national emergency and Citi Cards ( Citibank VISA ) is acting like mobster loan shark debt enforcers. 

The first Citi Cards ( Citibank VISA ) CSR I spoke with ( # XXXX ) was argumentative and refused to admit Citi XXXX ( Citibank VISA ) previous misrepresentation on my earlier phone call on XX/XX/20, refused to dismiss the late fee and is now treating me as a bad customer due to Citi Cards ( Citibank VISA ) incompetence and inefficiency. The 2nd CSR ( XXXX ) did the same as # XXXX, but offered me so-called payment arrangements that were no more favorable than my initial minimum payments. She claimed that someone would review the taped call of XX/XX/20 and get back with me in 1-2 business days. 

I have a perfect payment history with Citi Bank ( Citibank VISA ) for  years ... NO LATE PAYMENTS EVER!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have started going over my credit report. I noticed some incorrect addresses and phone number. I reached out to all 3 credit agencies, I sent in my drivers license with my address on it, a current utility bill with my address and a letter with all the incorrect addresses. I got no response. though a credit monitoring app I use, I saw that my new address was updated but they did not remove ANY of the information that was incorrect. I sent a 2nd letter and realized I could file a complaint via the CFPB. The incorrect information while small all add up and are affecting my credit score in a negative manner.The received the XXXX letter XX/XX/2022 track # XXXX and added the new address XX/XX/2022 but again nothing with the incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX have failed to investigate and provide investigation results after my most recent dispute regarding unauthorized and fraudulent Inquires that are appearing on my credit file. One day i had 0 inquiries and the next day i had 10 inquires that all came from auto loan attempts. I have a car so why are these inquiries popping up on my report? I wrote each agency requesting an investigation on my report due to fraudulent inquiries that i 100 % did not personally apply for and they all have failed to respond. I demand to see the " Consumer Contract bearing my WET SIGNATURE '' to verify and validate these fraudulent inquiries that are negatively impacting my credit file in a major way. As the consumer, it is my right to request an investigation when items are not correct, true or verified to belong to me and these agencies are clearly ignoring my request. I will now hold each agency liable up to {$1000.00} per violation if this is how you allow them to operate. The reporting of inquiries that have not been verified is a violation of my consumer and demand all inquiries be removed that you can not provide documentation of proof for. I want all accounts and inquiries that are not metro2 compliant removed, corrected and updated immediately due to their to respond and investigate in the first place. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in need of a new AC unit and contacted XXXX XXXX XXXX XXXX XXXX, NC in order to repair or replace my AC unit. When I filled out the form for financing, I was told the financing would be going through Wells Fargo. I received an information packet and credit card via Wells Fargo. However, I decided that the amounts XXXX XXXX XXXX provided were far too expensive. I called another company and had them come out to fix my unit for a fraction of the cost XXXX XXXX XXXX quoted. And, was I also informed that the information regarding both the outdoor and indoor units were very different from what XXXX XXXX XXXX told me. XXXX XXXX XXXX claimed my outdoor unit was 11 years old and needed to be replaced along with my indoor unit. However, the company I went with said that the outdoor unit was only 7-8 years old and in perfect working order. Only the indoor unit needed to be replaced. So, that what I did as of last week with the other company and paid them the full amount of that up front. 

Today I received a letter in the mail from XXXX XXXX saying they had a credit application from XXXX XXXX XXXX in my former name, XXXX XXXX, ( not my current name of, XXXX XXXX XXXX of which I only gave them ). XXXX XXXX XXXX took out a credit application with another finance company without my knowledge or permission in a name I no longer have.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX  Capital one XXXX CAPITAL ONE XXXX XXXX XXXX Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Capital one You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer. 


I have not initiated any transaction with Capital one, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, 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, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 



15 U.S. Code 1681q - Obtaining information under false pretenses Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 



616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails 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 ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In case of liability of natural persons for or obtaining a customer report under file pretenses or knowingly without a permissible purpose, actual damages sustained by the customer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX to the address XXXX XXXX XXXX XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and I just recently discovered that my accounts were compromised and have been exposed to malicious sites. I kindly request for your assistance to remove the fraudulent accounts from my credit reports and update the negative taggings caused by this crime. Please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you so much! i have attached my FTC report, ID, proof of address, and SS card copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 






I reached out to XXXX to dispute this debt and Even offered to settle for them to take it off my report being I dont owe or take ownership. 
I never was informed previously as well. I found out I owed debt by it appearing on my report.
Product: Credit card or prepaid card

I disputed a charge for items promised to ship within 5-8 days that failed to ship within 30 days and for which I had no confirmed ship date after two inquiries with the merchant ( XXXX XXXXextremely dishonest and evidently the source of frequent complaints ). 3 weeks after starting the dispute, the merchant finally shipped ( 8 weeks after purchase and after explicitly being told the order was refused and a refund was expected ). The box was returned unopened to the sender as a refused delivery.

Chase did not process a refund/chargeback despite evidence of ( 1 ) failure to ship merchandise on time, ( 2 ) breach of 16 CFR 435.2, and ( 3 ) evidence of order cancellation. Chase has left a charge on my account for merchandise not in my possession, and I find this unacceptable.
Product: Credit reporting or other personal consumer reports

Accounts opened using my personal information that are not mine. 
XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$290.00} ) XXXXXXXX XXXX  XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$290.00} ) XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  ACCOUNT # : XXXX Open Date : XX/XX/XXXX ( Balance {$1100.00} ) XXXX XXXX L Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$710.00} ) XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/XXXX ( Balance : {$870.00} ) XXXX XXXX XXXXXXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance : XXXX ) False Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  False Personal Information XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXXXXXX XX/XX/year> -- {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. XXXX score of XXXX, XXXX score of XXXX and Trans Union score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that loan.