23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Updated the correct information on account and remove incorrect information on account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account Name : XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following negative accounts on my credit 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 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 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 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 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

The niece put in for a card with Victoria 's Secret, asked me if I wanted to be included on it, I said yes. It was before XXXX of XXXX  I informed the niece that it would be her XXXX present. The bill came late in XXXX. We paid it and included was a note by us saying that the Victoria secret was late sending the bill. In XXXX the bill came without the payment that we sent previously being credited to the account. My niece called them and was put on hold for XXXX XXXX. after talking to someone at Victoria secret 's space command the niece informed me that we are going to have problems with these people. In the interim I had audited my checks to see which ones had been cashed by them and which ones were still not cleared. we came to the realization that they ( Victoria secret had been overpaid ). My niece again called them a few weeks later around XXXX and got someone from a different galaxy. My niece informed Victoria secret that we had not signed up for the headache, the insurance scam they were adding to the account and the late fees. The niece had retuned some of the items purchased and the credit was not being shown on the account. I called Victoria secret in XXXX, pointed out the discrepancies to them. I stated to my niece that the Victoria secret people are not from this planet. My niece apologized and said I'll use the XXXX XXXX next time if there is a next time at Victoria secret.XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXX XXXX XX/XX/XXXX ( Bank ) XX/XX/XXXX XXXX XX/XX/XXXX ( Bank ) XX/XX/XXXX XXXX XX/XX/XXXX ( Bank ) XX/XX/XXXX XXXXXX/XX/XXXX ( Miscellaneous ) XX/XX/XXXX XX/XX/XXXX( Finance ) XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XXXX I purchased a living room set at XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, IL with a total amount due of {$4200.00}. I paid {$600.00} in cash and debit card, with the salesman in the store, and charged the remaining {$3600.00} on my Citi Simplicity credit card. I swiped my credit card when the salesman informed me he was ready to accept payment. The salesman informed me the first swipe did not work and he requested I swipe a second time. 

My card was charged twice for the same purchase. The first charge in the amount of {$3600.00} is authorized. The second duplicate charge in the amount of {$3600.00} was not authorized by me. 

The merchant made an error at the point of sale. After numerous attempts to contact the merchant to request the unauthorized charge be reversed and resolved went unanswered, I filed a dispute with the credit card company on XXXX ( dispute ID number : XXXX ). The credit card company provided a conditional credit after I submitted supporting documentation this was an unauthorized charge, contacted the merchant, and gave the merchant until XXXX to respond. 

On XXXX the credit card company notified me that they have closed their investigation, reversing the conditional credit in the amount of {$3600.00} plus interest ; and attaching a notice from the 3rd party vendor ( Stripe, Claim Id : XXXX - XXXX ). THE END OF PAGE TWO OF THIS DOCUMENT STATES THAT MY DISPUTED CHARGE IS A DUPLICATE AND THAT THE MERCHANT/3RD PARTY IS NOT CONTESTING. In subsequent contact with the merchant ( XXXXXXXX XXXX XXXXXXXX ) since the XXXX dispute, the merchant provided a statement in writing that they are not disputing the unauthorized duplicate charge. XXXXXXXX XXXX XXXXXXXX reported to me via XXXX XXXX that the unauthorized duplicate charge would not be disputed. 

The XXXX letter from the credit card company indicated that I may continue disputing the unauthorized duplicate charge if I reply by XXXX. On XXXX I provided additional documentation to support the my dispute via fax and email to Citi, and demanded that the unauthorized duplicate charge and interest be withdrawn and reversed permanently. 

The canned and automated reply emails from Citi Simplicity ( the credit card company ) for my ongoing dispute are not reassuring. My trust in their process is waning. 

I did not make, nor did I authorize, a duplicate charge in the amount of {$3600.00} on XXXX the unauthorized charge was an error made by the salesman at the point of sale in the XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My husband and I had to consolidate both my undergraduate, graduate and his graduate student loans in order to make our payments more manageable due to having young children and getting our paychecks once per month. We have loans dating back to XXXX and the loans were Stafford Subsidized/Unsubsidized. Then in XXXX, we had both completed our graduate degrees both while working in education and raising a family. At that time, we realized that our student loan payments would soon be due and they would be due and have to be paid to multiple companies at a higher monthly payment. This was not feasible with our financial situation. Even though we both worked, we had daycare costs as well as other expenses and teacher pay was/is not the best. 
This was a manageable payment for us and our little family. Nothing ever came up about not being eligible for anything due to us consolidating our loans. The push back then was that we'd be eligible for a certain percentage off the interest rate every so often if we paid our loans on time. There were a couple of times that we have been late on a payment and we were automatically kicked out of the 'program for percentage off the loan ' and had to start the cycle over to make 128 consecutive on time payments. Over 10 years is a long time to not have a slip up or not have loans paid off anyway. 

My husband and I are both in education and have a combined 43 years of service in public education and can not get any of our loans forgiven due to a spousal consolidation clause of our loans. In talking to multiple representatives at NelNet, we found out that after another company sold to them and then our student loans turned into a commercial loan rather than what was initially borrowed which were unsubsidized/subsidized loans this is where we were misled. 
We were never told of these changes, nor did we sign off or agree to these changes. I feel that this was deceitful and hinders us from getting the help that we need to try to get this debt paid off before we die. Otherwise we will be paying on these loans until we are long past retirement age. 
Our original debt was roughly {$100000.00} if memory serves me correctly and we are still coming in at a grand total of {$91000.00} as of today. If we could get a partial amount removed with each of us being granted our PSLF, that would help immensely. We have paid on these loans for close to 20 years and made little to no progress. 
We have done our due diligence and continued to pay and there is no end in sight with these loans
Product: Debt collection

Ive made multiple attempts to lower the garnishment amount with the company. None of which were successful. Ive sent them all the proof they needed to show I was experiencing financial hardship and my garnishment amount should be lowered. Even my w2 as requested. They mad their own judgement, failed to look at the documents sent to them and continued to take 20 %. After filing multiple complaints with the state and federal bureaus I was contacted by XXXX XXXX asking what amount would work for me, that she would reduce it only if I agreed to cancel my complaints. I asked for 10 %, signed documents she sent me and still 3 weeks later they are taking 20 % from me.
Product: Credit card

In accordance with the Fair Credit Reporting Act Synchrony Bank/ Amazon has violated my rights under 15 USC 1861 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got hired for a job and lost it because i have a open case on background check for mvr but im on a payment plan thats why its open. Now I lost my job because false information
Product: Checking or savings account

Notice of interest notice of proceeds notice of claim. Notice of accounting errors. balance of account should be 2000
Product: Credit card

navy federal is reporting acct as mine. after i asked to remove from acct because shows i am authorized on acct. will not give me acct details but says i am authorized user.
Product: Debt collection

Capital One sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. Capital one is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.
Product: Checking or savings account

i contacted Early warning to remove a NSF charge which is inaccurately reporting and is keeping me from opening a new account. 

i showed proof that the charge was paid and the account is still active 2 years later after that the claim was made. 

the nsf was dated XXXX for {$570.00} for XXXX XXXX i sent them proof that not only was this charge paid but also i still maintain the account with XXXX 2 years later and many other payments have been made on the same account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. These accounts and inquiries were the result of a data breach, and I have no association with them. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information permanently removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted 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 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 reporting or other personal consumer reports

I have recently started monitoring my credit and I noticed someone have submitted several credit card application with the intent to obtain fraudulent credit using my personal information. Their is XXXX unauthorized hard inquiries on my report and their are listed below XXXX XX/XX/XXXXXXXX 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 I am anticipating a prompt resolution of removing these fraudulent inquiries on my credit report Thank you
Product: Debt collection

I didn't give this company the authority to access my credit file. I never conducted business with the company. However, this company has access to my personal information. I sent a letter to the company and haven't received any response.
Product: Checking or savings account

Hello, i have problems to open a new account, i gave my personal information and bank info for a loan that i apply to a fraudster by mistake on XXXX XXXX So the bank send me a text message that they will close my account for suspicious activity and to protect my account from frauds. 
Because i gave my ssn, address and ID State to a loan scammer as ( quick funding available ) And also after that I been receiving a lot of emails junks of offers from scam everyday
Product: Checking or savings account

After being through a rigorous process with the SBA to get my funds released for almost 6 months. Capital decideds to frezze my account hold funds without explanation or time frame. 
{$450000.00} was deposited into my account XXXX and frozen XXXX. 
Going to window to make a withdrawal for payments for business expenses capital one gave no case number filing number and also stated there is no time frame or contact with such department. 
My business is q XXXX XXXX and operate from my social security which I am qualified to receive Deposit. 
Capital one need to release funds and stop causing such hardship. Which I'm especially bounced qch payments etc because I assumed the money was available to use.
Product: Money transfer, virtual currency, or money service

During the month of XXXX  I made XXXX transactions using my discover debit card XXXX of may posted on XXXX  XXXX for {$14000.00} XXXX of XXXX  posted on XX/XX/XXXX for {$14000.00} These XXXX charges I did via paypal to a company that sells gaming chairs. 
I provided the following address for delivery : Shipping address : XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : New Retail Company XXXX This is the tracking number provided by them : Tracking info : XXXX Shipped by XXXX XXXX This was delivered to a different country from what I provided. Paypal is refusing to refund me, and I contacted XXXX saying they can not help on cases about purchases that I did not receive only fraud related purchases. Paypal needs to be held responsible and return my money this is clearly a scam.
Product: Checking or savings account

I have requested that the funds in my XXXX XXXX be transferred to XXXX XXXX XXXX and yet XXXX continues to refuse to release my funds. 
I have sent messages and called customer service. 
They keep saying that assets need to be liquidated before distribution despite the fact that I have repeatedly pointed out that the requested funds have already in fact been liquidated. 
Their customer service people can not explain why my request has not been fulfilled and they direct to submit the form again. 
At the time of this writing, my funds have been in cash earning no interest for over 2 weeks. In a bank account earning 4.65 % the interest would amount to about {$100.00}. I characterize these losses as theft by XXXX. Whether due to incompetence or malice, I am owed interest at this rate for the period before the time I liquidated my assets and requested the transfer- and the time XXXX finally deigns to accommodate my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I reapplied with XXXX XXXXXXXX XXXX in the amount of {$500.00}. I thought this would lead to the company deleting my old account from my credit report and I would be starting a new account with this company. I paid {$480.00} on XXXX XXXX, 2020 to the collection agency that had bought my account from XXXX. I also paid {$270.00} on XXXX XXXX, 2020 to XXXX XXXX the collection agency that acquired my account from XXXX XXXX XXXX, XXXX XXXX XXXX I have been disputing these items on my credit report to the credit reporting agencies as well as reaching out to the original lenders. Only for them not to acknowledge that a payment has been made to these accounts. I have also attached the receipts and proof of payments with my disputes to the reporting agencies only for them not to acknowledge that I paid my debts and the information they have on my credit report is inaccurate.
Product: Credit reporting or other personal consumer reports

Please refer to CFPB complaint XXXX which SHOULD NEVER HAVE BEEN CLOSED.

My feedback should be used to inform the CFPB of the issues and my request for monetary compenstation for the harm Experian caused while I was not able to obtain credit due to their malfesant inaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions violated my rights. 


XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX section XXXX A section XXXX, It also states a consumer reporting agency can not furnish an account without my written instructions. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different.
Product: Credit card or prepaid card

I am traveling abroad in XXXX with my XXXX XXXX XXXX credit card. In order to re-enter the united states, I need to book a COVID test online. When I try to make an online purchase with my credit card, it asks me to verify with a text message. My US XXXX does not have coverage in the country I am in, so I am unable to recieve the code and complete the transaction. Today I experienced this and it almost made it so I was trapped in a foreign country. I brought this concern up with Capital One support a few weeks ago, but they told me there was nothing they could do about it. It is false advertising that a credit card advertised as a travel credit card is unable to be used for online purchases when abroad. There is nothing that clearly states this " seperate cell phone service required to make purchases abroad '' is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have yet to get a answer from Experian about removing these accounts that i never open or signed for