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

I called into Capital One on XX/XX/XXXX. I asked for a payoff balance to close my account. The agent I spoke to said absolutely, and looked up my information. He told me my final payoff would be the account balance of {$470.00}. I asked him if that would be the all in all done total, and he responded yes sir. There should not be any more fees or charges beyond that as long as you haven't purchased anything, which I had not. I thanked him, and asked if I could just pay that on the APP like I make most my payments. He stated yes, and he said that I can cancel my card on the app as well. I again thanked him, ad reiterated, do i need to know anything else, look into anything or, pay anything else, and again he stated no. We ended the call, and immediately I went onto the app, and canceled the crd, and paid the final balance. On XX/XX/XXXX I was then charged interest of {$8.00}, even after I was told multiple times that there was no more owed! Fast Forward two months to now XX/XX/XXXX. I had a missed payment, negatively affecting me, then I was assessed a late fee, and an additional interest fee was added. I again called in and was treated very condescending by a supervisor named XXXX XXXX XXXX ) I believe he stated out of XXXX. He stated there was nothing he could do, and I am bound by the terms and services of the card. I stated I spoke to an agent with Capital One and he mislead, and falsely informed me. XXXX stated he had no record of that, and I stated I do, I keep record, and can pull me cell phone record. Can I send that in as proof to you so we can remedy this situation? He said no, if I wanted to do that, I need to pull in outside legal representative. I then stated I don't want to have sue something over {$8.00}, and I know he doesn't, and surely Capital One doesn't want to fight over {$8.00}. I asked him to try and help me, and work together to come up with a solution, since there was a mistake made on behalf of the Capital One Representative. XXXX 's response back to me was, " the solution is for you to just get over it, and pay the {$8.00}, and if you don't, you will just be assessed more late fees on XXXX. I then asked if there was a dispute department I could speak to, and I would like to dispute those charges, and file a complaint. XXXX responded to me with we don't have a complaint department, and you can't dispute those charges because there are from capital one and not a purchase. '' This was misinformation, and false leading a consumer. A company mistake, should be owned and corrected by a company, and not passed onto the consumer in an, oh well you have to do it cause we said so regardless of our mistakes kind of attitude.
Product: Credit reporting or other personal consumer reports

I applied for a rental property XX/XX/year> and was denied. The property manager said the denial was based on my credit score not meeting the minium criteria. 
The criteria was at least a XXXX credit score and my Transunion score is a XXXX. However the Transunion XXXX XXXX XXXX gave a inaccurate score of XXXX, as well as a older version of my credit report that includes items that are no longer on my current report. 
I contacted the XXXX XXXX XXXX XXXX Transunion and was told they have the same information in their system as the main credit bureau and told me to call another number. 
After being sent back and forth between Transunion departments On XXXX XXXX, 2024, I finially got an agent on the phone who went over the report line by line and disputed the information. Allthough, Transunion itself has the accurate information and my credit report and score are reflecting the right details .... the 'rental dept ' is not. I provided copies of all current credit reports for the despute and still have had no results and they are still providing the derogatory information to other property management companies.
Product: Money transfer, virtual currency, or money service

This is regarding how zelle handles disputes. On numerous occasions theyve made it clear that getting my funds back would not be possible without a proper investigation on the situation. This has allowed many people to get away with scams leaving us vulnerable.
Product: Money transfer, virtual currency, or money service

I apparently clicked on XXXX of the litany of paypal phishing emails and someone accessed my paypal account and sent XXXX to someone via friends or family that I do not know or have any idea who they are. Paypal said they were not unauthorized transactions when in fact they were XXXX XXXX unauthorized. My bank is currently investigating as well. This is life changing money that was fraudulently scammed from me,
Product: Payday loan

The collection agency is reporting that i open a loan in XX/XX/XXXX when it has original date being in XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Account Reported as Fraudulent. I never applied for this loan. Issue resolved with company but the Account still appears on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account XXXX Credit Bureau : EXPERIAN Account Type XXXX Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Credit line closed at consumer request. '' XXXX : XXXX reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}. 
Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. XXXX and Experian report a credit limit of {$250.00}, while XXXX reports no credit limit at all. Additionally, the reasons for closing the account vary : XXXX and Experian indicate that the account was closed at the consumer 's request, while XXXX reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation. 

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports showing the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my Credit report I observed several accounts that I did not apply for or authorize. 

I have filed a police report and I am still unable to get these accounts removed. Please removed these fraudulent accounts from my report. In accordance with the fair credit reporting act Convergent account numbers 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. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXXXXXX {$480.00} XXXX XXXX XXXX {$6200.00}
Product: Credit reporting or other personal consumer reports

I been requesting Equifax to removed XXXX XXXX account from my credit file. The account was a joint account, was paid in full and never surrendered or foreclosed. It should be removed from my credit.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : HALSTED FINANCIAL SERVICES Address : XXXX XXXX XXXX XXXX, IL XXXX Account number:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Dear HALSTED FINANCIAL SERVICES, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am Having a Problem with my Credit Report for some reason Equifax Place a lock on my Credit Report Trying To Use Lock & Alert and this Problem is being happening for 6 month and Equifax is not allowing me to Access My Report and i have send letter to Equifax with my Social Security Number State ID And All The Documents they Ask For I Have Send it To Equifax and Equifax has not fix my Problem that i am Having with my Credit Report and i cant log in to my Lock & Alert and Equifax wont remove the Restriction of My Credit Report Please Help me With This Problem And I Also Requested Copy On My Credit Report With Equifax and they Have Not Send it to me Please Help me Resolved this Problem
Product: Credit card or prepaid card

I lost my physical credit card on XX/XX/XXXX. 
Since that time my card was used on several purchases I did not authorize ( see attached ). 
Not only were these transactions large, and placed after I lost my card, but they incurred cash advance fees which themselves are problematic because XXXX ) the transaction generally are not cash advances and XXXX ) interest and fees have accurred. 

I reported this activity to the bank when I noticed this on my statement first on XX/XX/XXXX. I locked the account. 
To my surprise, I never was issued a provisional credit and nothing was done, and my account was unlocked without my consent. So on XX/XX/XXXX I again reported the transactions and locked my account. Again, no credits were issued and I received no correspondence or updated. So on XX/XX/XXXX I again reported the transaction, locked the account, and again no update or credits were issued. 
On XX/XX/XXXX I called the company, I again reported the incidents, I was told a provisional credit would be issued in 24-48 hours. 

Then on XX/XX/XXXX I got a bill from the company which claimed my account was past due and showed the full balance along with additional accumulated interest and late fees. 
On XX/XX/XXXX I called, first I was told no provisional credits were issued because I did not make a minimum payment. However, I did not have to make a minimum payment because the amount of the provisional credit I should have received was larger than the entire balance since the fraud went on over multiple billing cycles, of which the prior one I paid. 

Thus, Barclays is not following the law, they are not issuing me provisional credits, they are telling me I do not qualify unless I make a minimum payment ( even though they owe me money as I already paid for one of these fraudulent transactions ). 
They continue to assess late fees and interest, and they have provided me with NO correspond or updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I sent out the dispute letters to all 3 major bureaus on XXXX. They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions. ( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can 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 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this information is inaccurate because the dates etc., each bureau is showing are different. I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date last active : Balance : {$530.00} Status : Closed I believe this information is inaccurate because the dates, etc. each bureau is showing are different. And according to 15 USC 1681 ( a ) ( 2 ) : ALL LATE PAYMENTS ARE ILLEGAL TO BE REPORTED ON MY REPORT!! I demand that ALL LATE PAYMENT TRANSACTIONS BE REMOVED FROM MY CONSUMER REPORT. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, unauthorized or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance *Original contract
Product: Debt collection

Superlative RM has called me everyday for the past few weeks after I stated in my first letter to not contact me. I have asked for a validation of debt which is the original handwritten contract. They still have yet to even respond to my letters. The company still has tried calling me everyday. This is harassment. They have also threatened to sue me as well.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX XXXX : {$370000.00} XXXX XXXX  XXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$370000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan with XXXX XXXX XXXX XXXX -- the response came back as a denial letter saying I have an eviction on my credit file also my credit score is XXXX. I have a credit monitoring service from experian and it shows I have a credit score of XXXX -- this does not include a paid 2 accounts and the XXXX account that is 75 % paid and when I called she said she could not changed what was onmy report. Again Experian needs to be accurate about what they are sending out. If I have an eviction on my report I need to know about it that is the reason for the credit monitoring so I can see what is on my report and who is sending what. I should not have an eviction on my report. I have enclosed a copy of XXXX XXXX response also a copy of my most recent report.
Product: Credit card or prepaid card

Dates are vague as i dont know the exact dates, but Capital One has each call on file. 

Back in XXXX, I began efforts to repair my credit and pay off debts that I owe to Capital One [ CO ] and other companies. At the time, I had XXXX cards with CO both of which i paid off. Both had been past due for months and charged off. XXXX of them closed and disappeared. 

The other, last XXXX XXXX, never closed but to this day remains " Restricted ''. I called CO earlier this year ( XXXX ) around XXXX i think, maybe XXXX, asking what Restricted meant and what i could do about it. 
They gave me vague information and didnt really explain it very well. But made it very clear that they couldnt do anything on their end and neither could i. 

I asked them to simply remove it from showing up on my app ( i have a secured card with them at this time that I use regularly ), but they couldnt even do that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Navient reported to credit bureaus that I was 90 days delinquent, however, they also reported XX/XX/year> and XX/XX/year> in good standing. This has affected my XXXX XXXX significantly, I have XXXX accounts totaling XXXX
Product: Checking or savings account

On XX/XX/2019, an unauthorized purchase was made using my joint checking SunTrust Checking Debit Card account with on XXXX. An XXXX Laptop was purchased in the amount of {$1600.00}. Subsequently, my rent bounced in my account due to insufficient funds resulting from this purchase. I have appealed to both XXXX and SunTrust concerning this purchase. I am unable to get any details concerning where the item was shipped or who received the item, although XXXX did indicate that an unauthorized party used the card. I have filed a police report in XXXX County ( XXXX XXXX ), and the XXXX account has been closed. 

I spoke with SunTrust Fraud Assistance Center concerning this matter and my claim was denied. I am not in possession of this laptop and need the amount fraudulent taken from my account returned to pay my rent and support my family.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there were some things that was not correct. I sent a letter to Transunion on XX/XX/2023. But it has been more than XXXX XXXX since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( XXXX ) ( A ) Under 15 USC 1681i ( a ) ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX Balance : {$45.00} This account does not contain any late payments. Update these...
Product: Debt collection

I received two notifications that I was being sued by Klima, Peters & Daly P.A. for debts they claim are owed to XXXX XXXX supposedly on the behalf of XXXX XXXX. The hearings are scheduled for XX/XX/2022. On XXXX separate occasions, I requested the documents listed below but the attorneys have failed to send them. I sent XXXX 's attorneys two written requests ( for each case ) for this information ( one on XX/XX/XXXX, and one on XX/XX/XXXX ). I have the right as a consumer to request proof of the debts they say I owe to them or their client and proof that there is some contractual obligation that is binding me to pay these alleged debts to XXXX XXXX  and the right to defend myself when being wrongfully sued. 

Copy of the original signed credit application between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

2. Copies of all statements and correspondence sent from XXXX XXXX XXXX  XXXX. to XXXX XXXX unredacted. 

3. A signed Contract between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

4. Copy of the check that was cashed for purchase of this particular debt and this debt only.
Product: Credit reporting or other personal consumer reports

On the experian website is has published three different credit reports from XXXX  XXXX one says the account is closed and is pay off debt the other says it the account is open another on says the account is close they have reports it on my credit in error XXXX XXXX has failed to show signed agreement contract of acknowledgement of debt or agreement of ownership of debt and I have disputed it multiple times and they refused to remove it across all XXXX bureau and revised my score from past disputes they have all had failed in the investigation of reporting credit from XXXX parties collections on all three bureaus please see uploaded documents and also the my information is published publicly on their website without my permission which leaves me at risk for fraudulent claims by 3rd parties collections and creditors which in past dispute I have asked for removal and they refused or denied the request which has had a great impact on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in addition to complaint : XXXX. 

This information has been forwarded to Attorney Generals : XXXX XXXX ( Florida ) XXXX XXXX ( Maryland ) This information has been forwarded to XXXX XXXX, the XXXX of the CFPB. A lawsuit will follow.
Product: Credit reporting or other personal consumer reports

Today, I found unauthorized inquiries on my credit report, which is baffling. After refreshing my browser to rule out a malfunction, the discrepancies persisted. I urgently request a thorough review of the documents I've provided to prevent this from happening again.