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

I enrolled in XXXX through my credit card company ( XXXX, XXXX XXXX XXXX JP Morgan Chase XXXX XXXX The XXXX did not trigger at the end of the payment period and thus there was a large balance on my account. As a result, my credit score dropped significantly. When I called JP Morgan Chase, I was told that they did not automatically pay the balance because, at some point during the pay period, I had chosen to make a payment on my account ( to minimize my balance... .like a person trying to maintain good credit ). 

This is false advertising. If XXXX enrolls in XXXX XXXX, you do so because you expect that the company will not let you take hits to your credit like this for unpaid balance. 

When I called the company, they seemed disinterested in this being an issue. As a result of this issue, my credit is worse and I'm having to dispute this through the credit bureaus.
Product: Checking or savings account

I received an invitation from Capital One to open a 360 checking account with a Promo code of XXXX, that after I met the requirements of the using the code and having two direct deposit of XXXX or more within 60 days of opening the account, I would receive XXXX as a bonus for opening the account. When I received the invitation I did live in the " targeted area '' but I was moving a week later. On XX/XX/XXXX I called customer service and explained the situation to them and specifically asked them that if I wait to open my account after I move to Florida, would I still get the bonus. The customer service rep said yes, just as long as I entered the promo code and make the 2 deposits. I move to Florida opened my account, entered the code and actually have had 3 deposits within the 60 day timeframe and I have not received the bonus. I called back on XX/XX/XXXX to find out what was going on and at that time I was told that I was not eligible for the bonus and basically was told false information regarding what was the " targeted '' customers ie : they had to be already capital one credit card holders to receive the offer, which is completely untrue. On XX/XX/XXXX, I faxed in a official complaint and explained the situation and asked them to make the situation right and to contact me. I still have not heard anything or received the bonus. If I was not eligible to receive the bonus when I moved to Florida then why did n't the computer tell me this when I entered the promo code? The fact that I met all the qualifications and entered the XXXX promo code, I feel like I am entitled to the promotion. I have also attached the complaint letter I sent to Capital One.
Product: Money transfer, virtual currency, or money service

I deposited a mobile check into my account of {$600.00}, account said it would process by the end of the day, when I had checked up on my account the deposit said it wouldnt be ready till XX/XX/XXXX. I have called capital one, the bank I am using to see about an early release. They said to call today, XX/XX/16 and do an early release. When I called today they told me my account and the check werent under the same name. When I checked, the account and check both had the same name. Due to the companys mistake of not putting my first last name my card only has one of my last names. They told me they could not release the funds on the original date and that they could not cancel the check.
Product: Debt collection

CREDIT SERVICE INTL CORP is claiming that I owe {$1300.00} to a company called XXXX XXXX. I have attempted to have the debt verified but have been unable to. I have disputed with credit reporting agencies but this company is claiming the debt is legitimate. I have not purchased anything from XXXX XXXX, never had any sort of credit through them and certainly never agreed to any sort of account, payments or money due as they're claiming.
Product: Debt collection

XXXX credit card  sold my account to Jefferson capital on XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX Mn. XXXX phone # XXXXand XXXX. They list another address at XXXX XXXX XXXX XXXX XXXX Mn. XXXX. This account is written off and listed as in collection with all 3 credit agencies reflecting on my report. I never received a 1099 c from XXXX or Jefferson capital according to IRS sect. 62 ( A ) ( 12 ) sect 6050p to pay taxes on the {$710.00} since it was written off. Income should not be reported on credit report. And this reporting is inaccurate. Also violating privacy act.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card or prepaid card

Unexpected increase in interest rate. Interest charge XX/XX/20 {$530.00}, XX/XX/20 {$32.00}, XX/XX/20 {$31.00}. 
Call company to let them know that was not aware of interest increasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information XXXX XXXX is reporting on my credit report is false and inaccurate. 

1. TransUnion is reporting that the account is a Delinquent Account on Date reported XX/XX/XXXX. This is not correct. My XXXX XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
2. TransUnion is reporting the account Condition as Derogatory. This is not correct. and the account condition is PAID. 
3. TransUnion is reporting the account Status as in a Wage Earner Plan. This is not correct. This account is closed so how can the account be in a Payment Plan? 
4. This account is not in XXXX XXXX Bankruptcy. TransUnion must only report the current condition of the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit file. These accounts were fraudulently added as a result of identity theft caused by a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be permanently removed from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$900.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX  - XXXX - XX/XX/XXXX - {$28.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Child support account was paid in full in XX/XX/XXXX and closed. 
I paid 100 percent of the payments on time. 
There is no data on my report from XX/XX/XXXX-XX/XX/XXXX. 
This account has been paid in full and closed for that period of time. 
In XX/XX/XXXX a monthly report showed a collection account or charge off. 
I believe in XXXX after my account was closed somehow I got dinged for missing a payment Experian has proof from XX/XX/XXXX child support I sent to them to prove everything I said. 
Experian told me XXXX refuses to correct the issue on my account XXXX XXXX XXXX
Product: Credit card or prepaid card

Barclaycard blocks us from enabling external account access. It causes me to not link XXXX, XXXX, XXXX, and other apps.
Product: Payday loan, title loan, personal loan, or advance loan

UCC filings, threatening emails, and multiple recovery groups have harassed me for over two years for this entity 's predatory practices and false assurances. This has occurred while also freezing equity and business accounts ( e.g. XXXX, XXXX, XXXX, etc. ) based on erroneous and false claims. Specifically, I owe the full amount [ approx. {$21000.00} ], where I repaid approximately + $ XXXX. I requested that daily checking account withdrawals pause since they refused to extend a second line of funding as promised, as I could no longer afford the $ XXXX payments. 

They refused to pause the payments, I had to have my bank to intercede to cease them steadily drawing my accounts negative each day. I've sent been inundated with threats, while also suffering multiple credit and judgments. I knew very little about these types of lenders, but have since determined that they were effectively charging me XXXX XXXX  in interest and fees.
Product: Checking or savings account

On XXXX I was scammed into sending {$500.00} via Zelle to using my bank account. There was someone using a friend of mine facebook account to sell items like vehicles, electronics, boats etc. I need a vehicle for my son desperately and I fell for this scam which I didnt know at the time that it was a scam. I was asked to send a deposit to hold the items. Once the money was received I never heard back from the person that was instant messaging me via my friends XXXX account. I called and emailed the bank to see about possible refund. I emailed Zelle customer support. 2 days after the incident occurred and have not received any refund or follow up emails. Please advise. 

Thank you, XXXX XXXX.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX -- -INQUIRIES -- DEPT OF ED - XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXXXXXX XXXX account number XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report from XXXX XXXX Dates XXXX of XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian is in clear violation of the law. Under 15 USC 1681B permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting angency may funish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 
I did not give Experian written instructions to furnish this on my report. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Execept as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as an transactions or experiences between the Consumer and the person Making the the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Checking or savings account

My debit card and my identity with all my private information was stolen and used to make several unauthorized ATM withdrawals and unauthorized Transactions during a 30 day span from XX/XX/XXXX thru XX/XX/XXXX starting with ATM withdrawal amount of {$62.00} {$2.00} another in amount of {$82.00} {$1.00} {$2.00} another in amount of {$2.00} {$1.00} {$1.00} XXXX {$1.00} another in the amount of {$42.00} {$1.00} {$1.00} {$1.00} another in amount of {$200.00} {$2.00} {$1.00} and another in amount of {$62.00} {$2.00} then there were merchant purchases on XX/XX/XXXX at XXXX XXXX XXXX in the amount of {$9.00} a disputed transaction at XXXX 's on XX/XX/XXXX amount of {$5.00} unauthorized transactions on XX/XX/XXXX at XXXX XXXX amount of {$8.00} XX/XX/XXXX at XXXX XXXX amount of {$10.00} XX/XX/XXXX at XXXX  amount of {$8.00} again XX/XX/XXXX {$6.00} XX/XX/XXXX amount of {$13.00} and again XX/XX/XXXX amount of {$5.00} XX/XX/XXXX at XXXX XXXXr amount of {$63.00} XX/XX/XXXX XXXX XXXX XXXX XXXX amount of {$6.00} and {$7.00} XXXX XXXX   amount of {$38.00} {$2.00} XX/XX/XXXX {$11.00} and {$5.00} XX/XX/XXXX at XXXX 's amount of {$21.00} XX/XX/XXXX {$8.00} and XXXX amount of {$110.00} XX/XX/XXXX XXXX XXXX  amount of {$32.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ref : XXXX ( XXXX, XXXX, XXXX XXXX, and XXXX ) Equifax ( XXXX, XXXX, XXXX XXXX, and XXXX ) XXXX XXXX ( XXXX, XXXX, XXXX XXXX, and XXXX ) Dear Consumer Financial Protection Bureau : Thank you for taking time to investigate my complaints against the following agencies who have refused 3 times to provide documentation verifying that these are may accounts as per the Fair Credit Reporting Act 609 and 623. The type of problem Im having with the XXXX, Equifax, and XXXX XXXX is refusing to not only remove these items off my credit report, but more importantly disregard my request to show the proper documentation I requested to verify these accounts are mine. After three disputes, XXXX, Equifax, and XXXX XXXX have failed to once again provide documentation that this was my account. They failed to provide me a copy of any viable evidence, being my original signature showing the account was mine. All agencies continue to avoid the FCARA guideline. Neither the credit bureau of the comapnauiies have provide any original documentation such as a consumer contract with my signature as required under 609 ( a ) ( 7 ) and Section 611 ( s ) ( 1 ) ( A ). Furthermore, all bureaus and even the creditors have refuse to provide document. I asked each one of them since they didnt provide documentation to immediately Delete all information which can not be identified.

Please see letters and certified mail which shows my attempts to have the credit bureaus to investigate and if not proven, remove immediately.

In, conclusion, I have been maintaining careful records of my communication with XXXX, XXXX XXXX, and Equifax for the purpose of filing a complaint should they be unwilling to comply with Federal Laws. They refuse to comply! Thank you in advance for investigating my claim and I look forward to a swift resolution. 
Sincerely, XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the presence of inaccurate and fraudulent accounts on my credit report. I am certain that I do not owe these debts, and the circumstances surrounding these entries are deeply troubling. Despite updating my address with the creditors when I moved, the debtors quoted my old address  when I contacted them. This discrepancy raises serious concerns about the accuracy of the information provided. I never received any notifications or correspondence regarding these debts, leaving me no time to dispute them. The impact of these fraudulent accounts on my credit report is not only financial but is also taking a toll on my mental, physical, and emotional well-being. I am distressed by the violation of federal laws, and I implore you to take immediate action in deleting these entries from ALL  XXXX  credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I'm asking for a investigation on my credit file on information that is incorrectly reporting.
Product: Debt collection

This company is trying to collect on an invalid debt. Primary issue is that this is from student debt to a school that was shut down by the Attorney General for being unlawful and unaccredited. XXXX XXXX XXXX All of the debt has been forgiven. The other issue is that this collection company is not legally able to even attempt to collect on a debt to a resident of Illinois. Upon trying search for their Collection license in the State of Illinois, I discovered that they are in fact no licensed. They will say that their parent company is licensed but when pressed for the name of that parent company, the representative did not know.
Product: Debt collection

TD Bank USA/XXXX XXXX : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Product: Checking or savings account

I was XXXX  in XXXX of 2024 and found that my account was used without my permission in XXXX of 2024 I called the bank and submitted a fraud complaint and the bank denied my claim when I was released a attempted to file another complaint and submitted a letter of incarceration for the time I was incarcerated but my claim was still denied.on XX/XX/2024 I was informed that my case was closed due to information not being able to be verified and was asked to submit more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and found that Experian is reporting the a delinquent account that is past the 7-year reporting time as allowed under the Fair Credit Reporting Act. Furthermore, upon review of a copy of my credit report from years prior to today, XXXX XXXX XXXX had re-aged account in XX/XX/XXXX to reflect a now date of delinquency date of XX/XX/XXXX and this is specifically a violation of the Fair Credit Reporting Act which could result in a civil penalty of {$2500.00} per violation. The date of delinquency date has changed numerous times hence why the other 2 bureaus removed the account earlier this year. However, I have a printout of my credit reports from XXXX and that date of delinquency was being reported as XX/XX/XXXX. Nonetheless, the account should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. XXXX XXXX XXXX have indeed violated my rights with harassing phone calls. This is the same company who was found guilty for illegal debt collection practices and consumer reporting violations in XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX concerning account that has been charged off in the amount of {$8600.00} from {$10000.00}. The amount is incorrect on my credit report showing {$4000.00} which is incorrect. XXXX also posting monthly that {$50.00} is past due when no arrangements were made on this account. I realize the my son defaulted on the loan however, I was trying to understand why the charge off amount continues to increase every month. I asked for information on how they are posting on credit reports {$50.00} is due and is past due. I was put on hold repeatedly advising that they were checking on this issue but never returned to the phone and left me on hold for 25 minutes.
Product: Checking or savings account

On XX/XX/2023 ; I noted on my account a debit of {$100.00} ( transaction date : XX/XX/2023 ) paid to a merchant XXXX XXXX XXXX. This is a store I regularly shop at. I went over to the store to enquire why there was a charge of {$100.00} paid to them without me visiting the store on the said date to make a purchase. The store confirmed that I was neither there nor was there a transaction of that amount, made on that day on their cash register. I immediately called the bank on XX/XX/2023 to report fraud, for which the bank launched an investigation and also applied a provisional credit of {$100.00}. 

However, months later on XX/XX/2023, the bank reversed the provisional credit of {$100.00} citing that my report was not fraudulent. The bank claimed that I'd used my debit card at the POS ( point of sale - chip ). I requested that the bank provide documented evidence of their claims or investigation and to re-open the investigation. The bank has since failed to provide evidence of my use of the card on XX/XX/2023, and has failed to contact the merchant despite several requests for them to do so.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a credit card from Capital one Financial, kept it until XX/XX/XXXX and just before I made a final payment I called a Capital one Financial representative and asked him if there was going to be a fee for simply having the account opened, he replied no. This XXXX Capital One closed my account and due to this my credit score dropped XXXX points on XX/XX/XXXX. I was in good standing with them I had no missed payments. And now I get a letter from Capital One asking me to get their Data Security plan, and whats strange about this is they highlighted XX/XX/XXXX, the day my credit score dropped drastically. I think did this willing fully with my credit score drop only to get me on their plan. I had called their department and they kept me on hold for so long and the representative was giving me the run around. Some one please help. I will attach all supporting documents. Thank you!
Product: Bank account or service

Overnight on XX/XX/XXXX to XX/XX/XXXX, I received a direct deposit for {$2000.00}, together with a credit of {$220.00} and a manual cash deposit gave me a total of {$2300.00} in my account. {$24.00} was then spent leaving a balance of {$2000.00}. Overnight XX/XX/XXXX to XX/XX/XXXX, a check came through for {$2300.00} leaving a negative of {$24.00}. Before I could cover the deposit, the bank charged me {$34.00} overdraft fee even though I had time to cover this ( I still can. ) They refused to credit this back to me. The XXXX suggested that they backdated the check to collect the fee ( As per XXXX ) Please investigate and prosecute to the fullest extent of the law and have my {$34.00} credited back to my account. Thanks.