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

A payment was attempted from a corporate bank account and the payment was rejected. Further, the card was put on hold and has remained on hold since XX/XX/22. 

XX/XX/22 XXXX of Capital One Credit Card attempted with a bank account not used prior. Payment rejected XX/XX/22 Capital One Credit Card placed on Fraud Hold XX/XX/22 Payment was again attempted with a different account and rejected again. 
XX/XX/22 Interest Charges posted. 
XXXX Payment was made using original bank account successfully ( {$0.00} balance ). Account is still on hold XX/XX/22 Capital One requested bank statements from the first account used to pay the card. 
XX/XX/22 Capital One requested a phone call with a signatory on the bank account used to pay the credit card. A conference call was successfully completed. Capital one requested proof of signatory authority of individual on bank accounts. 
XX/XX/22 Additional Interest charges posted to account. 
XX/XX/22 A letter from XXXX XXXX was submitted listing individual as signatory on the accounts used to pay the credit card. 
XX/XX/22 Capital One card is still on hold and can not be used nor any rewards redeemed.
Product: Debt collection

1. On XX/XX/XXXX, I borrowed {$420.00} from Money Key. On XX/XX/XXXX Money Key Sold account to XXXX XXXX {$330.00}. Never company tried to collect as evidenced from Credit Reports. 
2. XXXX XXXX sold account to XXXX XXXX XXXX XXXXXXXX ( amount unknown ) 3.  XXXX XXXX reported to Credit Bureaus XX/XX/XXXX. 
4. I contacted XXXX on XX/XX/XXXX to inquire, why they had the account, and that I had not received any notice from them. 
5. I received telephone call from Ms. XXXX, and although I had questions about the amount owed, I offered to pay XXXX of the debt in order to reverse the 61 points decreased from my credit score. I stated that this was a one time offer, and I was not in the mood for Debt Collector games ( this money was coming out of my social security check ). Ms. XXXX stated that she would check with the original creditor to get ok. She then call me back about a week later and indicated the original creditor denied my offer. ( Game number one ) 6. On XXXX XXXX I mailed letter requesting original documents verifying the amount owed etc. ( see enclosed letter. ) 7. The  attached documents show I paid a total of {$580.00} to Money Key. This proves the original amount borrowed was paid, if they are now claiming interest etc. I need to see the original documents signed by me authorizing such an amount.
Product: Credit reporting or other personal consumer reports

Demand for Permanent Deletion of Unauthorized Accounts Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, This is a final demand for the immediate and permanent deletion of the following unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never signed a contract or provided a wet signature authorizing these accounts. This constitutes a violation of 15 U.S.C. 1681b of the FCRA. You have 48 hours to remove these accounts or I will initiate arbitration through the XXXX XXXX XXXX ( XXXX ). 

Failure to comply will result in legal action. 


Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I took out a lease from GM Financial back in XX/XX/XXXX, my lease was up in XX/XX/XXXX which I returned then waited to get the final bill. After not receiving it I called GM to find out about the bill. They informed me not to worry they will mail it out to look out for it. In XX/XX/XXXX When I still didn't receive the bill I called again. They informed me that they will be mailing it out. I got the letter along with the bill on XX/XX/XXXX I immediately paid this bill. My issue is that GM has reported me late i XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which isn't accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me
Product: Debt collection

Received a " Notice of Unpaid Electronic Transfer '' from XXXX XXXX XXXX , XXXX dated XX/XX/2018 requesting payment for an alleged Check Number XXXX written on XX/XX/2018 to Original Creditor XXXX XXXX XXXX   Store Number XXXX, which is in XXXX, GA in the amount of {$2000.00}. The above information is from the notice and includes that the check was returned as either a Stop Payment or the account the check was written on was not authorized for ACH transactions. The notice also says XXXX XXXX , XXXX purchased the dishonored electronic fund transfer and forwarded it to XXXX XXXX XXXX , XXXX for collection. First, I live in XXXX, TX and was at work in XXXX, TX on XX/XX/2018 and have never been to or in XXXX, GA. Second, there were no supporting documents accompanying this notice such as a copy of the returned check or bank name the check was drawn on or a copy of the receipt for whatever was purchased. Third, the check sequence of my bank account checks currently in use are in the 500s, not the thousands let alone the 4000s. I am not the person these people are looking for. Lastly, upon investigating scam or fraud reports via the Internet on these two companies I found numerous consumers who have had similar experiences. And apparently, these companies do not do their due diligence verifying customer information during transactions.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX Ive recently been a victim of fraud. Some withdrew XXXX from my account in one day and it happened in a state I never been in. Someone apparently had my ssn as well as a fake drivers license which was enough to convince the tellers to withdraw XXXX in the span of 2 hours all in one day. I never got any notification or alert I found out a day after it happened because I was curious to see if my direct deposit came early. Im really disappointed in US Bank because they they allowed XXXX to be taken so easily without going into proper alerts especially in a state Ive never been in. Probably the worst XXXX of my life and Im lucky to even have enough to pay for my rent but this type of recklessness is so irresponsible. XXXX dollars in one day in the span of 2 hours, I wish better precautions went into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX {$60000.00} Auto loan Section 807 False misleading Experian is reporting OFFICE OF THE ATTY GEN Account # XXXX Section 807 False misleading {$720.00} Experian is reporting OFFICE OF THE ATTY XXXX Account # XXXX Section 807 False misleading {$11000.00} remove all inquiries Listed below XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Failure to respond satisfactorily within 5 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX
Acct#XX/XX/XXXX
Amount:XX/XX/XXXX XX/XX/XXXX MI, XX/XX/XXXXAcct#XX/XX/XXXX
Address: XX/XX/XXXXSC,XX/XX/XXXXUNKNOWN
Acct#XX/XX/XXXXAmountXX/XX/XXXXAddress: Unknown
UNKNOWN
Acct#XX/XX/XXXX
Amount:XX/XX/XXXXAcct#XX/XX/XXXX
AmountXX/XX/XXXX
Address: XX/XX/XXXX Tx XX/XX/XXXX XX/XX/XXXX
Acct#XX/XX/XXXXAmount:XX/XX/XXXX
Address:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Amount:XX/XX/XXXXAddressXX/XX/XXXX XX/XX/XXXX, TxXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I applied for a Capital One Savor Card XX/XX/XXXX and was approved. I was told I would receive the card within 14 days. I waited over 20 and called after not getting it and it was cancelled and I was told a new card would be sent and I would receive it by XX/XX/XXXX. It is the XXXX and still no card so I called and explained I did not want to cancel the card only to be in the same place 3 weeks later with no new card and the agent promised me before cancelling the current card on the way that the replacement card would be sent a different way with 3 day express shipping waived no fees due to the fact a month after opening account I had no card after waiting thru 2 cards sent. He cancelled the card but could not follow thru on sending one express said he had no way to do it and now I am stuck with no card on the account as I said don't send out a 3rd card just to be in same situation as I was lied to and the supervisor told me pretty much tough luck he lied to you but I can't activate the card he cancelled and I can't honor the express shipping and refused to get anyone higher leaving me with no card no account essentially. I told him I would open this and he had no cares.
Product: Mortgage

I engaged the XXXX XXXX XXXX firm to help me work out a modification. 
PHH Mortgage still tried to foreclose. They tried to serve someone at my house today.
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 Account # # 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 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 ( AX1 ) 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 belleve that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, XX/XX/2022, and In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete XXXX XXXX XXXX XXXX which reported as late on my credit report..It is obvious that the account is unverified, and inaccurate. The account is having false information and should be removed asap
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are all reporting information that is either not allowed by law or is harming me commercially without justification. 

- Charge offs are considered income and should not be on my credit report. 
IRS Code - Under 26 U.S.C. 61 ( a ) ( 12 ), the Internal Revenue Code ( IRC ) specifies that income includes " income from the discharge of indebtedness. '' - My reports contain transaction data and expereinces between the consumer and person making the report. This is expressly excluded from comsumer credit reports per : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 2 ) Exclusions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - Each credit reporting company lists 10 or more unmailable addresses. Only my current address is mailable. 

- There are dozens of names msot of which are not me.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

XXXX XXXX is trying to said that I owe for an account that I don't.. I have reach out to this company and still nothing.. They sold the account to XXXX XXXX and Portfolio I have been going back and forth with these two companies, because I'm not paying a bill that I don't owe..I asked for proof and they sent me two bills months apart, so I ask them what is this.. These are two different bills from months apart. I was told that is what their client sent them, and that's all they had.. I'm like if you said that someone owe something you suppose to have concrete proof.. Some of the reps had gotten nasty telling me that I'm going to pay it.. I also received a disrespectful letter from the company. They wS reported to XXXX and the credit bureaus and they stated to me that they are not going to keep replying to my request and this will remain on my credit.. I'm tied of going back and forth with these people.. Something need to be done where these companies can't conduct business again, because you trying to get money from people that don't owe you.. This don't add up to what they are trying to do.. I refuse to allow them to get me like that.. My next step will be legal action, because they need to be shut down.. This is very frustrating.
Product: Checking or savings account

Beginning date was XX/XX/year>. I routinely logged in to my investment account with correct credentials and received a pop-up message that there existed no affiliated account. What has transpired between me and the company within the past XXXX weeks is documented online but too voluminous to report here. Essentially, I stated my problem, provided extra photos and ID 's that they requested, gave them time to investigate and contact me with an explanation, but the company failed to do so. This company neither receives nor initiates telephone calls. 
Yesterday, I tried to find some information or resolution to my inquiry, but had to start all over again and provide all the same information. No progress had been made by Robinhood, or even attempted. 
I eagerly anticipate working with you agency to resolve this issue. I believe that I have about {$15000.00} at stake. Being XXXX XXXX XXXX, I can not afford to let this go. 
Perhaps you could call me on my cellphone XXXX. Way too much info for this space.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to CAVALRY PORTFOLIO SERVICE, yet CAVALRY PORTFOLIO SERVICE is not removing this fraudulent account. CAVALRY PORTFOLIO SERVICE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : CAVALRY PORTFOLIO SERVICE/ XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted An investigation With XXXX XXXX And Experian for the Account XXXX Credit Card with account XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. 
Please kindly assist with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00} and XXXX XXXX  XXXX XXXX. XXXX Date Opened : XX/XX/XXXX XXXX {$0.00}.