23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Ok there was a charge on my American Express card which was unauthorized XXXX I made the dispute threw my bank and they did not handle it properly they said that the merchant contact them saying that they had already paid me in a form of check I never received any check plus I thought that the money had to be put back into the card oh another the check is not even under the account holder {$4800.00}
Product: Credit card or prepaid card

I received an email on XX/XX/XXXX, from USAA stating a change in my credit card term. For the second time in 2 years, USAA lowered my available credit limit dramatically based on what they said was delinquencies on my credit report. Each time, USAA lowered the credit limit to right above what I owed on the line. This made it look like I had maxed out a line of credit, which I had not. On XX/XX/XXXX, I called USAA and spoke with a person named XXXX in their Executive Resolution area. He proceeded to literally argue with me and tell me theres nothing that can be done. After a brief conversation, it became apparent XXXX knew nothing about how credit works and was just there to stonewall me. I pulled my XXXX credit report immediately after this phone call and it showed absolutely no delinquencies. That same evening, I called back to USAA and spoke to an ER rep named XXXX. She said theres nothing that could be done and that they did not have any procedures to assist me any further. Again, another stonewall from USAA. XXXX, however, said I was using complaint language and completed a complaint form. XXXX did not offer to complete a complaint form on the initial call to USAA. Trust me, I was using complaint language on that call as well. I sent USAA a direct message via XXXX and received communication from a person named XXXX XXXX who would investigate further into my situation with USAA. I finally spoke to XXXX today, XX/XX/XXXX. She said that lowering my credit limit was a business decision but never referenced the delinquencies claim about my credit on which USAA originally claimed to have based their decision. In my opinion, USAA can not back up their decision to lower my credit limit and are acting in deception. It was in XX/XX/XXXX in which I canceled my insurance with USAA. Ive had this credit card for over 19 years. I did not start having an issue with USAA with this credit card until I canceled my insurance with them. Not one time.
Product: Bank account or service

Received an offer to signup for a Citigold checking account after I had opened my Citi Prestige credit card. Used the promo code provided which was accepted through the signup, I met the requirements but never received my bonus thank you points. When I inquired with the bank directly they said I was never targeted however they accepted my signup application when using the promo code and had no mention that the code was invalid nor that I was not eligible.
Product: Debt collection

I XXXX XXXX CHECKED MY CREDIT REPORT WITH THE 3 MAJOR CREDIT BUREAUS AND NOTICED A COLLECTION FROM MIDLAND CREDIT MANAGEMENT. UNDER 15 U.S. 1692G ( A ) ( 3 ) A DEBT COLLECTOR MUST GIVE A CONSUMER A INITIAL COMMUNICATION TO VERIFY A DEBT. I WAS NEVER GIVEN THE OPPORTUNITY NOR DID I RECIEVE ANY COMMUNICATION FROM MIDLAND CREDIT MANAGEMENT IN REGARDS TO THIS DEBT. MIDLAND CREDIT INDEED ASSUMED THIS DEBT WAS MINE WITHOUT THE OPPORTUNITY FOR ME TO VALIDATE THIS DEBT. LASTLY I SENT MIDLAND CREDIT A LETTER OF VALIDATION ON XX/XX/XXXX. UNDER 15 U.S 1692G ( B ) A CONSUMER HAS THE RIGHT TO REQUEST THE NAME, ADDRESS, OF THE ORIGINAL CREDITOR ( WHICH I AM A ORIGINAL CREDITOR ) OR THIS DEBT COLLECTOR SHALL CEASE COLLECTION OF THE DEBT OR ANY DISPUTED PORTION. MIDLAND CREDIT IS IN VIOLATION OF 2 OF MY CONSUMER RIGHTS AND I INTENDED TO PURSURE LEGAL ACTION.
Product: Mortgage

SPS transferred to Shellpoint mortgage is impouned taxes insurance flood insurance, annother problem with bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Authorized User Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon.
Product: Credit card or prepaid card

Capital one spark for business is showing up on my personal credit report. This is a business card that ran my company 's XXXX XXXX XXXX account to determine our credit. I have tried multiple time to have them fix this.
Product: Credit reporting or other personal consumer reports

I have requested about 5 times since XXXX  to have the XXXX XXXX XXXX loans removed from my credit report. I had not had provided any written notice that I would agree to have any of my financial information shared with a 3rd party. I was not provided any opt out choices. This violates 15 USC 6802 ( B ) ( 1 ) ( A ) AND ( B ) and ( C ).
Product: Debt collection

I've disputed it several times at least 4x in year and im getting a reason of facts all i continue to get from experience is a notice saying it's accurate but without factual support
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate joint account from XXXX has been removed by Equifax from my husband 's file but is still on mine. Can you please remove. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 16 hard inquiries from the months of XXXX thru XXXX that were a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2x ) XXXX XXXX ( 2x ) XXXX XXXX ( 2x ) XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( 2x ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US SM BUS ADMIN ODA Those companies listed above have placed the hard inquiries on my report as well as Bank of America and XXXX XXXX reporting accounts that do not belong to me XXXX I want them removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

the is an collection on my credit report that does not belong to me and i have a legal right to dispute anything on my credit report that does not belong to me according to the FDCPA. HERE IS THE ACCOUNT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account n ot a Student Loan Education Account, and they are not showing as current. I have been making  automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still show s as " Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.      The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurt ing my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I h ave spoken with  XXXX   XXXX  and their answers a re : " Sorry, W e ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because I noticed XXXX reported a hard inquiry in XX/XX/2021 on my credit reports. The dispute options listed on CFPB are limited. I am requesting the removal of these inquiries from my TransUnion and XXXX credit reports. 

I agreed to a hard inquiry for the pre-approved XXXX XXXX offer from XXXX. Unfortunately, the number of inquiries on my credit reports was more than I expected. I take full responsibility for this mistake and will ensure going forward to avoid making this mistake again. I was so disgusted with XXXX  practice to create multiple inquiries and that I closed my account within a matter of months. 

My husband and I are in the process of applying for a mortgage loan to purchase our family 's dream home and the negative impact of those inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed Credit Account Still showing late on credit report.
Product: Credit card or prepaid card

An organization by the name of XXXX XXXX out of XXXX, XXXX  misrepresented a colored diamond investment to me and as a result I have an invalid charge on a Major Credit Card with the following institution ; Citi. A Record of the charge is listed below and receipt for the charge is attached. Also attached is an entire history of this fraudulent transaction as well as a local police report, request for documentation by XXXX  Police, a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police.

Despite this documentation this institution has refused to honor the Fraud Claim, a letter from the institution is attached.
Product: Checking or savings account

Im XXXX /was charged overdraft protections every month or twice. I recently maybe XX/XX/XXXX had to open a new account do to overdraft petition mistake bank ozk closed my old account. They let a scam company charge my account then found out I didnt ow them.new accout XXXX around XX/XX/XXXX or somewhere in there, there were no proper explanation as why they came up with overdraft fees when I always been negative XXXX even starting my new account charged XXXX $ every month an. I sign for overdraft pertection not to let companies overdraft my account again. I usually pay XXXX dollar for my full amount covaged payment check ssi to receive the full amount .well I was not notified XXXX XXXX why my account was closed an all my information was erased so I moved I thought bank of ozk would have known since different location do to I signs for a new Acount XXXX XXXX or somewhere In there with XXXX XXXX  banking ozk . They fell to send information to my new address XXXX XXXX XXXX XXXX I have a temporary Acount with a temporary bank in which they let u overdraft XXXX XXXX overdraft fee but they do not charged take enclosure harass you aboutXXXX more dollar jest to overdraft. I been a loyal customer with bank ozk since XXXX XXXX an they have been charging me overdraft fees consecutively XXXX dollars every a month once or twice since I open Acount Question what happen to both my account since law enclosure pain an sufferin craul an unusual humane punishment. citizens residing in the state of Georgia who, on or before XX/XX/XXXX, were charged [ overdraft fees ] by [ OZK ] on items that did not overdraw their accounts, or who were charged multiple [ overdraft fees ] by [ OZK ] on the same item from an account held with [ OZK ], or who were charged ATM Fees In which I was charged ATM fees for overdraft as well by [ OZK ] for balance inquires that preceded a cash withdraw. Just like Georgia this has been goin on since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, I am writing to bring to your attention an error on my credit report that I believe requires immediate attention. I recently reviewed my credit report and noticed that there is inaccurate information reported on my account. 

On XX/XX/2022, I contacted TransUnion to report the error and provided supporting documents to show that the information reported is inaccurate. Since then I have contacted TransUnion on several occasions, dates ranging from XX/XX/2022 to currently XXXX XXXX. I have contacted TransUnion over twenty times with supporting documentation. Despite my efforts to rectify the issue, the inaccurate information is still appearing on my credit report. The error is impacting my credit score and financial standing, which is causing me considerable stress and XXXX and inconvenience. 

I kindly request that you investigate this matter and take the necessary steps to correct the error on my credit report as soon as possible. I have attached the documents that were previously provided to support my claim. 

If you require any further information or clarification from me, please do not hesitate to contact me at XXXX. I would appreciate a prompt response and resolution to this issue. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently spoke with a rep for debt that was in collections. I was able to settle debt. 
My credit still does balance unpaid. 

XXXX XXXX amount : {$200.00}
Product: Checking or savings account

I scheduled my electricity bill payment of {$220.00} on XX/XX/2023 from my Capital One checking account through bill pay. Capital One deducted the funds as if the bill was paid. I then received a notice from my electric company on XX/XX/XXXX that they would shut off my electricity by XX/XX/XXXX due to non-payment. I called Capital One on XX/XX/XXXX and was first told by Capital One that the payment was mailed so that it just hadn't been received yet. Then a second representative at Capital One told me that day that this was not true, that the payment was electronic and should have been received within XXXX days of the XX/XX/XXXX request for payment. They told me I was responsible for the electricity payment even though the bank had deducted my funds and the electricity provider still did not show any payment received. The second representative also told me that I was responsible for late fees being charged by electricity company and that Capital One would not be responsible for those charges. I finished the call exasperated by that information, called back and spoke with a manager named XXXX @ XXXX AM XXXX XXXX XX/XX/XXXX who sent me to a XXXX representative named XXXX at XXXX pm who told me they would ask for an investigation and get back to me with proof of payment. 
After hearing nothing I decided to call Capital One back on XX/XX/2023 @ XXXX AM XXXX and spoke with " Faith '' as the electric company is scheduled to turn my electricty off tomorrow on XX/XX/2023. Capital One told me they still have no final confirmation of proof of payment receipt, and that I just have to wait for an email from them, even though they have deducted the funds from my account and even though my electricity will be turned off tomorrow. I told her I have no longer to wait since the electricity will be turned off tomorrow and the forecast is for XXXX degree heat where I live. I as then put on hold to wait for a " manager '', and XXXX minutes later I decided to give up and file this complaint. 
The bill pay was scheduled XX/XX/2023... XXXX XXXX days later Capital One can not give me an proof of payment, refuses to accept responsibility of any late fees that my electric provider is now charging me, and the electricity company still shows no record of payment from Capital Bank on my behalf. Capital One also refuses to credit my account back the money that was deducted from my account. 
AND GUESS WHAT? I was still on HOLD with CAPITAL ONE BANK FOR OVER AN HOUR AS I TYPED THIS COMPLAINT, AND THEY JUST DISCONNECTED ME. 

PLEASE PLEASE HELP.
Product: Debt collection

Jefferson Capital Systems {$520.00} XX/XX/2016 Original Creditor was XXXX. This charge was fraud. I submitted documentation showing the fraud, XXXX removed the debt from my credit report. Jefferson Capital refused to remove the debt from my credit report. The charges are fraud and need to be removed immediately. I have contacted them, I submitted a fraud investigation to all 3 credit bureaus, Jefferson Capital is still insisting this is my debt.
Product: Debt collection

I am filing this complaint regarding an account that has been inaccurately reported on my credit file. The original creditor, XXXX XXXX, sold my account to WAYPOINT, a collection agency, without properly notifying me. This failure to notify me before transferring or selling the debt is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and possibly the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

I have been trying to make my monthly mortgage payment since XX/XX/XXXX that is due on XX/XX/XXXX. I have called Lakeview Loan Services every day multiple times a day and unable to get through by phone. There is an automated recording saying that the network is down. Ive logged into the Homeowners portal and unsuccessful with logging in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Can you please provide all records so I can review them for my records? Im building a case against you & currently I have numerous violations of the FCRA. If you continue to ignore my requests & continue to report this inaccurate account I will be seeking a legal remedy XXXX XXXX XXXX. XXXX Late Date XX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is claiming that I owe a debt, but I have never had a relationship with NATIONAL CREDIT SYSTEM. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent the first letter on XX/XX/XXXX, and the second letter on XX/XX/XXXX requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that NATIONAL CREDIT SYSTEM received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. Also, how is XXXX reporting that this has been a collection since XX/XX/XXXX, but XXXX and XXXX have no record of this? This is violating so many FCRA and FDCPA requirements. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove this account immediately.
Product: Debt collection

I was affected by the pandemic for a couple years from XX/XX/XXXX through XX/XX/XXXX. I was unemployed for the first time ever during that period because of the pandemic. Now I'm attempting to repair my credit and in doing so I noticed a creditor popped up on my credit report. Midland Credit MANAGEMENT. XXXX XXXX XXXX. XXXX XXXX, California XXXX. XXXX. This debt is being reported as if it is something recent. It was reported in XX/XX/XXXX which shows on my credit report. I told the Creditor that I was not familiar with this and I believe that if it is something that I owe or owed in the past, that is something very old likely over 7 years old. Note that this has not ever been on my credit and is just showing up. I believe that they are misrepresenting by reporting this as a recent debt. I am in the process of disputing this but wanted to report this as a tactic that this company is using by reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, USPS tracking number XXXX, I mailed TRANSUNION a handwritten letter, appropriate proof of the identity and some FTC reports due to incorrect items on the file they have on me, XXXX XXXX a consumer in fact. This is now the 5th time that I have mailed in letters and FTC reports addressing this issue with either no response or a generic response. The latest response claims that the letter and reports I sent did not come from me and therefore they took no action. I am not sure how TRANSUNION can make that determination considering I sent in appropriate proof of my identity, hand wrote the letter myself, I have sent them the FTC reports several times, and they did nothing to verify that the letter was not sent from me. According to 15 U.S. Code 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not given any permissible purpose to report my personal dealings with any other sources. TRANSUNION or any other consumer reporting agency for that matter These accounts have been affecting me for a few years and Ive tried several times to address this matter with TRANSUNION to no avail. As a victim of identity theft, I filed a report with the FTC sent it in to the appropriate consumer reporting agencies ; TRANSUNION took no action once these reports were received on XX/XX/2022. According to 15 U.S. Code 1681c2 ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ''. I have been denied multiple times due to this inaccurate reporting by TRANSUNION. Furthermore, I explained to them that according to 15 USC 1681b ( 6 ) since TRANSUNION, XXXX, & XXXX operate nationwide, they should have removed the accounts and alerted one another in order to keep accuracy on all reports and comply with this law. The hardship this has brought to me, and my family cant be explained in words, but I am making that attempt now. I have no confidence nor trust in TRANSUNION as they have willfully and knowingly kept reporting these inaccuracies as stated in 15 USC 1681n. the Fair Credit Reporting Act states that the banking system is dependent on accurate reporting and TRANSUNION is not exercising its grave responsibility to me a consumer and is not being equitable by its continuation of reporting inaccuracies. the accounts 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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and incorrect personal information, I have filed a new FTC report to go along with this complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the bankruptcy being on my credit report twice. Both times the bureaus advised the information was verified by the court. I sent a letter to the bankruptcy court in XXXX asking if they reported a bankruptcy to the credit bureaus and to provide proof of verification. The court responded saying that they do not provide verification to any company or credit bureau about bankruptcy.