23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a very detailed letter was sent to this original creditor Capital One Bank, asking them to fix the misleading, erroneously reporting, slanderous credit reporting, The letter expressed, that I was looking for this Information to be updated and corrected as it is hindering my credit score. 

The letter sent that was sent was AFTER Capital One Bank had verified their alleged reporting to be accurate and TRUE. 

The response from Capital One Bank dated XX/XX/XXXX did not only address anything I had stated in such detail but they completely ignored the mis reporting ( s ) and proceeded to say " the late payments that were reported in XX/XX/XXXX and XX/XX/XXXX were accurate. 
What about all the other months that were reported as onetime to one CRA but not the other three? As the original creditor, as a financial institution, I would expect their reporting to the CRA 's to be accurate and the notified of misreporting for it to be addressed as such. Also, they would've retained impeccable records and provided them upon request. 

Copies of statements DOES NOT services as ANY form of validation.
Product: Mortgage

I am trying to close on the sale of my property, and there is an outstanding lien against the property. The HELOC in question was satisfied several years ago, but the satisfaction letter the bank sent to the county references the incorrect loan. Closing is scheduled for tomorrow XXXX so I doubt anything will get resolved today. But as it stands, I am just a name on their list of many requests to satisfy and I have been for over a week. I have done my own research with the County and the records are attached. Satisfaction letter ( instrument XXXX ) references a loan that was originally recorded as instrument # XXXX which does not belong to me.
Product: Credit reporting or other personal consumer reports

Denali Capital , LLC is reporting incorrectly. They are reporting that my account is still delinquent as of XX/XX/XXXX, but it was paid off in XX/XX/XXXX. I did dispute this with XXXX XXXX XXXX which was the original creditor. Also, Denali has reported to the bureaus according to XXXX XXXX XXXX that there is a medical code on the account. Which is also inaccurate because it is not medical. XXXX XXXX put the issues of the reporting errors on Denali Capital , LLC.
Product: Credit reporting or other personal consumer reports

I would like for the credit bureau to provide me with their method of verification for the public record that is listed on my credit report as a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I disputed fraudulent inquiries I found on my credit reports. As of today XX/XX/2023, I have not been notified of the investigation results, it has been more than 30 days since I submitted the dispute letter, and nothing. It's as if they are ignoring me on purpose. This is a violation of the FCRA. I have attached the letters all XXXX bureaus have received.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a Capital One 360 XXXX XXXX Account online on XX/XX/XXXX in response to a promotion offering {$200.00} to any new account holder who deposited {$10000.00} or more. 

I deposited {$10000.00} on XX/XX/XXXX. 
Capital One deposited the promotional payment of {$200.00} on XX/XX/XXXX. 

Sometime in XXXX I learned of another new Cap One 360 XXXX XXXX Account promotion called " XXXX ''. It is available at https : XXXX I contacted a CapOne representative on their Chat feature and asked to be included in XXXX. The representative said that I would be included. The representative told me to meet the conditions of XXXX and contact Chat again. The representative said that a XXXX representative would manually deposit an additional {$300.00} if I asked during a Chat session after meeting the XXXX requirement. The representative said that she would make a note to that effect in my file. 

To qualify for the additional {$300.00} promotional payment I then made deposits between XX/XX/XXXX and XX/XX/XXXX totalling {$51000.00}. During that period I also made withdrawals so my maximum balance was {$20000.00}. That was on XX/XX/XXXX. 

XX/XX/XXXX Deposited {$19000.00} XX/XX/XXXX Deposited {$20000.00} XX/XX/XXXX Deposited {$12000.00} Total deposited during the offer period was {$51000.00}. These were not transfers from other CapOne acounts On XX/XX/XXXX I met the conditions and contacted CapOne Chat. I spoke to XXXX. He agreed that a note making me eligible for XXXX had been added to my file. He did not agree to credit my account. He said that my account balance had to be {$50000.00} or more to qualify. 

XXXX 's statement is not supported by the wording of the public offer. It makes no mention of requiring an account balance of {$50000.00}. 

I should receive an additional {$300.00} promotional payment because I met the requirement and acted on a commitment from a CapOne agent. 

************************* Here is the wording of XXXX : " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any othe

r Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your
account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. ''
Product: Debt collection

a women calles from accelerated receivables management said i owed a bill or copay of XXXX dollars .and me being XXXX an below the poverty level .i dont pay any copay anything.so she then stated i should pay my bills i again tried to explain it again then she said quote we will see what it does to your credit.so now it is XXXX showing on my credit report.violation of the f.d.c.p.a.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had written a dispute to the bureaus regarding their erroneous reporting on my credit file but until now have received no response and those erroneous report are still on my credit report. These accounts are still inaccurate, incorrect and misleading ; can not be verified nor validated : XXXX, XXXX and Transunion : XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to a car lot and i was told they would run my credit through their car lot finance department, but failed to get my authorization to send to 15 other lenders. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Radius Global attempted to collect a debt that I allegedly owe. In doing that, Radius Global violated several of my federal rights as a consumer. They have diminished my character and affected my ability to obtain credit as well as violating my privacy pursuant to 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), and 15 USC 1681a ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX/XXXX  acct # XXXX, XXXX/XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX acct # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2020 XXXX XXXXXX/XX/2020
Product: Credit card or prepaid card

XXXX XXXX charged my credit card WITHOUT my knowledge or permission and charged double what I paid last year. This is clearly a SCAM and I should NOT be charged for the service. I have asked that the original charge as well as the interest and other fees be removed from my credit card but discover has refused. This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

I have submitted several documentst XXXX  in regards to this loan
Product: Money transfer, virtual currency, or money service

On XXXX I posted a table on XXXX XXXX XXXX. I was messaged by a man who was interested in purchasing my table for his son. He asked if he could pay me through Zelle and I said yes. We agreed on {$50.00}. 

I gave him my Zelle QR Code and my email. After a few minuets I received an email from Zelle saying that the transaction was not approved because I didn't have. " business account ''. He asked for a screenshot of the email, I sent it to them, and he said he has done this before. The email stated that I I had to participate in a transaction of {$400.00} in order to become a " business account ''. So the man said he was going to transfer me {$450.00} via Zelle. After a few minuets I received another email from Zelle saying that his transaction came through. 

I immediately transferred him back {$400.00} ( so that I only profited {$50.00} ). As per the email instructions, I sent a screenshot of the transaction to the Zelle email. He told me to let him know when I received the fund in my bank, after a few minuets nothing happened and I knew I had been scammed out of {$400.00}. 

I have screenshots of the email and the messages as proof of everything. 

I reached out to XXXXXXXX XXXX  multiple times. Twice on XXXX but they said they couldn't help me since the transaction was still pending. I called again the morning of XXXX and they said I could submit a dispute via online but because Zelle is like a cash money transaction that it's unlikely that I will get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries below need to remove due to unrecognized on my Equifax personal credit report. 

XXXX XXXX on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am submitting an additional new complaint, with regards to the sudden appearance of this unknown account, that have not appeared in my credit report before. I am sure I have not made any authorization for such an account in my Equifax credit report. So am I asking if you could please check on this account for me : XXXX XXXX XXXXXXXX XXXX : {$1800.00}. Please note Im sending the attached letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to investigate and possible removal of this account, I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have 4 business days to remove the reporting of this account in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an idea how this company conducted an inquiry on my credit report without my authorization! Please take this off my credit report immediately XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, 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

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX  XXXX XXXX Account Number : XXXX and list of Inquiries 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am reaching out to formally express my concerns regarding Zelle 's handling of disputes of the recent CFPB. Mine has to do specifically with Zelle in the XXXX XXXX app. This bank numerous times disregarded my disputes with Zelle and failed to investigate them, even leading to them closing down XXXX of my accounts after being with them for numerous years. The lack of accountability and acknowledgement is unacceptable.
Product: Credit reporting

I have repeatedly requested a legislative security freeze at no costs in full accordance with FCRA and all other applicable Federal law for victims of identity theft. I have provided documents verifying that I was the victim of identity theft ( including but not limited to the identity theft police report and notarized affidavit ) and the verification letter from the Commonwealth of Kentucky Social Security Administration verifying that my social security number was changed in 2004 as a form of relief from the identity theft from which I 've suffered ... Every time I speak with XXXX ( if I can reach her ) she has claimed no receipt of my documents. Clearly, I have provided the documents because even XXXX displays an Extended Fraud Alert which is only available to those who 've shown proof of identity theft. I have faxed the documents to XXXX ( the number provided by XXXX XXXX at XXXX ) or ATTEMPTED to several times, but there is always a busy tone. I have tried to upload the documents at experian.com/upload but there is always a pop-up window that states my submission can not be accepted online. Experian, XXXX and XXXX have all evidently restricted my access to their online portals and even general customer service, because when I call the rep who initially answers always advises me that " my account is being handled by an escalation team member. '' That appears unduly punitive, tedious and cumbersome for me especially when the said escalation team member ca n't seem to handle my basal credit report and identity theft protection needs. It 's ridiculous. I have a legislative security freeze with XXXX and XXXX. I need XXXX for Experian as well. This should be simple to obtain.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX AND XXXX XXXX XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS
Product: Debt collection

I contacted Alpine Credit Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX CO XXXX to request a paid in full letter after making my last payment to bring my account to a XXXX balance. A gentleman who identified his self as the owner of this collection agency by the name of XXXX ( who did not provide a last name ) informed me all I will receive from their office is a receipt showing I made the last payment and that will be it and proceeded to hang up in my face with a very unprofessional attitude. As a consumer that took the time to contact this collection agency to take care of her dept should not be treated so rude be a professional company that is licenses by the state of Colorado to perform such services. If collection agencies are permitted to conduct business in such unprofessional manners, people who have debt to this Alpine Collection Agency Inc. does not have a chance of being treated fairly. I believe every collection agency should be required to use recorded lines, just for reasons like this one and this company does not support recording their conversation with their debtors.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX. Since then, the account date of first delinquency has been illegally being changed every month. This is an update on the payment history. A charged off account Should reflect the XXXX time the account went into a delinquent status. The date of the first XXXX pass due notice. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Transunion : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was billed for items from Bloomingdales that I never received. I have contacted them many times by phone, and every time they tell me they are going to refund my account and check back with me in 48 hours. They never call back and never refund me. This has been going on since XX/XX/XXXX. They are now charging me late fees on my card! It is a getting to be very stressful. On the website it says they refunded me but they really have not because if they had my balance would be XXXX Now it is affecting my credit score. They have many complaints about how they treat costumers, I will never order anything from them again It was my first time and last!
Product: Credit reporting or other personal consumer reports

This CFBP complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the results of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent,, inaccurate, and false information consist of a personal credit cad account opened at XXXX XXXXXXXX XXXX with a charge of balance of {$420.00}, an auto loan account opened at XXXX XXXX XXXX XXXX with a charge amount of {$14000.00}. These accounts have resulted on several fraudulent hard inquiries and fraudulent collections appearing on my consul, er FICO credit report. The aforementioned accounts, collections appearing on my consumer credit report maintained by were not opened, made or initiated by me. All of the aforementioned accounts and collections are the results of identity theft and fraud. I have attached a copy of FTC identify Theft Criminal Complaints as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts and collections are the results of identity theft and fraud.
Product: Vehicle loan or lease

I would like to follow a claim against TitleMax because the interest rates are extremely high I've been paying for 10 months and the price is not going down.
Product: Credit reporting or other personal consumer reports

My information was exposed in XXXX large data breaches one being XXXX the other being XXXX which have cause fraudulent accounts to be obtained in my name XXXX XXXX XXXX XXXX XXXX the amount of XXXX $ opened in XX/XX/XXXX also has incorrect information DOB shows XX/XX/XXXX my XXXX is XX/XX/XXXX This is not my account and was opened fraudulently please validate. 
Someone obtained an XXXX XXXX my name XXXX XXXX XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in dispute is NetCredit. My loan through them started at {$2500.00}. I have never been late, and payments automatically come out of our account every two weeks. NetCredit will not update my account with the credit reporting agencies. My current balance is {$1500.00}. NetCredit keeps reporting that Im at or over my credit limit. Thats nearly a {$1000.00} difference and I want it fixed asap, because its not helping my credit with their false balances.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment to the apartment complex I was renting from. The lease was ending on XX/XX/XXXX so the property management sent me an email with the prorated amount due. I wanted to make a split payment with my XXXX Best Buy credit card for {$790.00}. In error I paid {$2600.00} to XXXX XXXX XXXX AZ. I called the property immediately to request the payment be cancelled since it was showing pending on my end and when I spoke with the credit card company they stated it had not posted on their end. The personnel in the office at the apartment complex were not willing to assist and she portrayed there was not much she could do although she was the property manager. Once the amount showed up on my Best Buy credit card account, I called back and started the process of the dispute. I faxed documents which showed the prorated information from the apartment complex that was sent to me. I faxed them the ledger to show the over payment. I called Best Buy XXXX credit card multiple times, I was expecting a 30 no more than 60 day turn around but every time I called they had no updates or information. I recently received a letter from Best Buy stating my dispute was denied and charges were valid. I have not received any over payments from the apartment complex either. I have emailed them a demand letter today on XX/XX/XXXX
Product: Debt collection

CSD COLLECTION {$25.00}, XXXX {$390.00}, XXXX REGARDING XXXX XXXX {$38.00}. I 'VE NEVER HAD THESE ACCOUNTS. I REFUSE TO PAY MY IDENTITY WAS STOLEN ON XX/XX/2012 I WAS XXXX AND ALL MY PERSONAL INFORMATION WAS USED. I HAVE CONTACTED THE CREDIT BUREAUS ON SEVERAL OCCASIONS IN REGARDS TO THIS. THEN THEY BE REMOVED AND THEN RESOLD TO ANOTHER COMPANY.