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

I opened up my card credit card over a month ago. When I opened it up online and got accepted they sent me an online version of my card with the card number saying I could use my card without having the actual card delivered to me yet. So I gave my card information to the XXXX XXXX  I am going to and they charged me {$500.00} on my card. As soon as they charged me, care credit locked my account. I cant even access it online to make payments. They are saying I have to send my license and proof of where I live. And that itll take about 3 weeks. Which is ridiculous because I need to make a payment on my card. I have a paperless account so I cant even see how much I owe and I dont want to give my account information to my bank over the phone Id rather do it online. I dont understand why my card is locked when they said I could use it right away without having the actual card
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My CapitalOne card was first used without authorization XX/XX/XXXX then on XX/XX/XXXX and XXXX, each time for {$59.00} to XXXX. Those charges have been removed each time except for most recent one. 
The problem is I have to spend HOURS on phone with Customer Svc, then await a new card ( I am on my 4th card in 2 months! ). I spoke with them many times to stop recurring charge but am told this is a " subscription '' and, even though I had nothing to do with originating the charge, I/they can't stop it. Visa, not XXXX, sends new card # immediately to XXXX so the charge reappears before I even receive new card. I emailed Visa and await a reply. 
On XX/XX/XXXX a XXXX " supervisor '' said this vendor, XXXX, " will be blocked for 15 months ''. Obviously this didn't happen. 
XXXX, when called, states that neither my name nor any of card numbers match any in their computer files and they insist that they are NOT billing my account even though my statement shows XXXX as vendor with their correct name & address. 
There are also 2 other vendor charges, XXXX and XXXX XXXX, that recur ; they are {$9.00} each. 
but are more easily dismissed without the phone calls, new card, etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed a letter to XXXX, XXXX, Experian stating the below actions that needs to be taken and i did not receive a reply. 

To someone who can assist me. I am deeply disturbed about the erroneous things that i see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. These items must be removed if the information being reported is not 100 % accurate. Please find out why these inaccurate information is being reported on my credit report and find out who the inaccurate information belongs to. Can you correct this wrong doing immediately. It is my understanding that you will do an investigation immediately. I am requesting a new credit report that reflects the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to law, unverifiable inaccurate accounts must be removed and if unable to provide me a copy of verifiable proof within 15 days after investigation, you must remove the accounts and or the information listed below. 

1. Under The Fair Credit Reporting Act This Disputed Item May Not Appear On My Credit Report If It Can not Be Supported By Any Documents/Evidence. 

XXXX Case Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I needed to obtain an extension of my own credit and was denied due to an adverse action that was used against me in Capital One final determination on XXXX XXXX. I havent given ANYONE consent to go behind my back to ANY third party to access my consumer credit. Based on the inaccuracies of my consumer report Capital One determined not to extend me credit due to a third party deceptive furnishing acts. I have a right to request ALL information about me within my credit file, free of charge since this adverse action was used against me in an unfair disadvantage. I request all agencies who furnished incorrect information about me. I need their names, addresses, and phone numbers. The disclosure is free of charge. 

According to the Law, if Capital One is considered the creditor who regularly extends consumer credit they are subject to a finance charge and is payable by written agreement in more than XXXX installments to whom the obligation is initially payable by agreement when there is no note or contract. 
Under an open-end consumer credit plan it is UNLIMITED because available credit is generally replenished. A line of credit is Self-Replenishing and I shouldnt be required to separately apply for additional advances. 
How can Capital One suspend any credit advances if the credit is unlimited, reusable, and is self-replenishing if its under an open-end consumer plan? 

Under 1026.5 ( b ) ( 2 ) ( ii ) ( A ) with respect to a cover separate credit feature that a credit card account under an open-end consumer credit plan, a card issuer ( Credit One ) of a hybrid prepaid credit card that meets the definition of a charge card has no periodic rate is used to compute a finance charge in connection with the covered separate credit feature and must adopt reasonable procedures for the covered separate credit feature. Capital One shall have made this disclosure because it is a requirement by the Subpart to be clearly and conspicuously in writing in form that the consumer may keep. I didn't receive any disclosures. The disclosures required to be provided as a separate document from all other written materials. 
What Capital One has done and continue to do is against the law. 

F.Y.I. Open-end credit is ( 4 ) four installments and creditors are subject to the appropriated provisions. An open-end consumer credit plan is an unlimited revolving credit that is self replenished.
Product: Credit reporting or other personal consumer reports

They did and improper investigation and did not fix the errors on my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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. 

The information being reported is inaccurate and currently being paid. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my XXXX XXXX XXXX  account for the better part of this year. I started sending disputes to XXXX XXXX directly in late XXXX. And have worked with many different people inside of their company to go over information that was reporting false on my credit reports. In XXXX, I was finally given a letter from XXXX XXXX stating that they would remove a late payment that was on my credit reports for XX/XX/2018. They updating ALL three credit bureaus, but XXXX was the only one to update correctly. I sent the letter to the two other CRA 's and contacted XXXX XXXX XXXX again about the update. I only contacted XXXX XXXX because their update had created new negative information on my account. So I was fighting these new problems with XXXX XXXX, while trying to fix the old problem with the credit bureaus. This cycle of waiting for my credit report to update, new negative information on it, dispute with the CRA 's same old information, complain to XXXX XXXX about new errors on my report, and waiting for credit report to update. Has been a monthly dance for almost half a year. My XXXX XXXX XXXX   account update XX/XX/XXXX with ALL three credit bureaus. It is now a completely inaccurate reporting of my payment history. I am sick of XXXX XXXX doing whatever they want to my credit report and to my credit score. They have violated the FCRA and have failed to produce 100 % accurate information to the credit bureaus in a 30 day time frame. I want this account removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fair credit reporting act states A CHARGE OFF should occur 180 days from the date of the first delinquancy.XXXX continually reported a charge off on my credit since XXXX, way past the legal limit .even though the balance was paid in full. 
Now they are reporting the account was closed in XXXX, more incorrect information ... ... Experian is taking their lead, AND WILL NOT AMEND, AND OR DELETE THE ACCOUNT FROM MY REPORT .The loan originated in XXXX, and ended in XXXX ... ..Once again it is paid in full ... ..XXXX IS ILLEGALLY RE AGING THIS DEBT! 
Now in XXXX the incorrect information remains on my credit and i want it removed, 11 years after the original date of inception.
Product: Credit reporting, credit repair services, or other personal consumer reports

The provisions of 15 usc 6801 require financial institutions to notify consumers of their sharing practices of consumers no public information. And provide a right to opt out of certain sharing. With out giving me a opportunity to opt out capital one furnished my non public and my ex- spouse who was an authorized user On acc ending in XXXX non public information. To non affiliated third parties XXXX XXXX, XXXX and XXXX. After multiple phone calls with capitol one. They told my ex spouse that the information that they illegally furnished to these third parties such as balance and payment history to his credit profile it. Will remain on his consumer profile. Even though he is not the primary and do not have a agreement with capital one for the account ending in XXXX. Multiple federal laws has been broken. And my rights and my ex spouse rights to as well. Its cleary states in the card hold agreement under authorized you. The authorized user is my not responsible for payment or keep the acc in good standing. The card holder wich is me is responsible for all credit transactions payment and activities. Capitol one made it clear to my ex - spouse that they are not responsible for removing information on account that dont belong to him. I will be contacting Capitol cooperate office ceo of capital one and my states attorney office as well
Product: Credit reporting or other personal consumer reports

XXXX XXXX SSN XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX AND EQUIFAX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX  on XXXX XXXX under the account number XXXX and another personal credit card opened as XXXX XXXX  on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit card

I applied for a credit card application because I received a pre approval online wanting to fly united so I went on and applied for a united credit card from chase then I received a letter in the mail we need more information so contacted chase provided that information XX/XX/XXXX so application could be submitted but never got submitted then called again to follow up they said it was never submitted have to resubmit so its been over a month I am waiting for a status update on application. I receive a decline letter stating A prior credit card or deposit account was closed by Chase I said I need more of expiration as I had no collection or anythin negative on my credit and I have a checkin account with them with good funds in there they stated that I did wrong with a partner company I said please advise they said thats private information if there is somethin negative about me I should know that from chase.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX SHOULD NOT BE ON MY CREDIT REPORT. THE FDCPA SECTION 807 ( 14 ) STATES THAT XXXXXXXX XXXX XXXX CAN NOT USE XXXX XXXX COMPANY NAME TO COLLECT A DEBT ALSO THE PAYMENT HISTORY ON THIS ACCOUNT IS ANOTHER VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and update from my credit report. 


XXXX. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX I did not authorize this account please delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove this inaccurate information from my credit report.
Product: Credit card or prepaid card

I have been 3 ongoing disputes for charges in the amount of {$2000.00} that began back in mid XXXX of XXXX ordered a product through Amazon on XX/XX/2022. There was a shipping issue and for whatever reason the product was never delivered, no fault of my own. Through many Correspondences with Amazon as well as the creditor, Synchrony financial the issue still is not resolved.Every time I make an inquiry its the same song and dance, the matter is being investigated.Amazons policy is, if an item is undeliverable there should be a refund issued as soon as possible.We are now approaching 4 months since the disputes ( 3 ) began. I have approximately {$1500.00} in legitimate charges on my account. There was a transaction that was made with the second dispute from Synchrony financial, which was supposed to be a credit to the account, turned out the transaction was a charge which added an additional {$2000.00} to the account totaling {$4000.00} now. Ever month that I receive a statement the minimal amount grows, now up for almost {$500.00} a month when there is only {$1500.00} in legitimate charges, this is unacceptable.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Had my first mortgage with Nationstar XXXX. I refinanced my home second and first into XXXX new loan with a new company. Nationstar would not send me my refund of my escrow payments. I contacted them 9 times, each time I was told the " checks been sent '' and " we can reassure you the check has been mailed. '' They escalated my refund up to a supervisor three times and I still had to call regarding my refund check. Today was call # XXXX and again was " reassured the check has been sent via overnight by XXXX ''. Absolutely ridiculous company to work with and completely inefficient customer service and supervisors.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous items in my report. You must correct these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a representative payee for my son. I was told in XX/XX/2021 that I can not have a debit card. I dont live anywhere close to this bank. We live in MO the bank is in CA. Since they took the card away, I now have no access to the account. I want to know why if social security administration authorizes me to take care of this account why does the bank get to make the decision as to how I pay his bills and manage his account. I have managed this account for 13 years and always had access to a debit card. I need access to his account via a debit card and the bank should not be able to tell us we cant.
Product: Credit reporting

The was a loan on my account from XXXX that has incorrect terms that was never verified by Equifax, therefore the account was deleted from my credit file. However, it was re-added without any notice, justification, or how the investigation was completed. XXXX was to submit documents on XX/XX/XXXX to the credit agency to update my file of when the account should be removed. XXXX has n't honored the new terms from XXXX that are attached. My file has n't been updated to show accurate information about my credit history. I am requesting my credit file be updated to show the correct information or deleted in regards outlined in the FCRA.
Product: Money transfer, virtual currency, or money service

In XXXXXX/XX/XXXXI sent XXXX to the wrong person to buy appliances. I called the bank and was told that Zelle does not refund the money. It caused a great inconvenience because the person I sent the money too refused to send it back. There was no disclosure. Being a company that handles financial aspects there would be a way to cancel the transaction or refund the money
Product: Money transfer, virtual currency, or money service

Tried to use the ai support but they didnt solve the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that XXXX is guaranteed to fulfill with the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. I came to a decision that the Credit Bureaus are not frightened to break Federal law thus they took to be slothful and abandoned my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please remove the account from my file ; XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have 2 pre-paid digital credit cards with the company XXXX. The cards were provided with a short expiration date and are now expired while I still have funds on them. 
In order to be able to use my funds, the only option is to request a replacement card, however, the company is adding abusive barriers for that to be done : 1. The only way to do it is to print a form, sign it and post it to the company. If the form is not received in 30 days, it is not considered 2. One can not control the post times, specially when living outside of USA - there is no way for me to assure it will arrive on time. Not to mention that we are living in 2023 and there are better ( digital? ) ways to submit such request 3. Replacement fees are abusive, meant to consume your balance.

4. The balance I still have in one of my cards is not enough to pay the replacement fees, meaning my balance is " locked '' and ultimately lost due to lack of options to withdraw or transfer
Product: Credit card

CAPITAL ONE XX/XX/2023 I am reporting a fraudulent account found in my credit report
Product: Checking or savings account

We were manipulated by people who turned out to be scammers and we received calls within the hour from people who we thought were our bank since they represented themselves as Chase employees so we unknowingly authorized the transfer. We reported it to the bank and they informed us theyve been aware of problems like that in the past so they told us to file a police report. Not only was our bank aware but the police were also aware of problems like that in the area of people getting scammed. The bank then decided it was our fault.