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

I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls  on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : Huntingtonbk Inquiry from XX/XX/2017 XXXX XXXX Inquiry from XX/XX/2017 XXXX Inquiry from XX/XX/2017
Product: Checking or savings account

Hello, I am currently having a stressful problem with capital one banking. I have been a member over 3 years, and I recently opened up a saving account with them for high saving account since my checking account from XXXX didn't offer saving at the time. 
Yesterday, XX/XX/year> I went to my mobile app to manage my balance and make payment for my credit cards and car note. I noticed the account stated my funds no longer accessible at the moment. I decided to call capital one. I was advised to go the bank branck and verified myself. I went to the branch office and their member verified me but i was told my account has been closed. It was surprsing to me because I didn't get a notification nor an alert about my account. Now, I am stuck where my car note is due, and my rent is coming and I don't have access to my hardworking money saved in their bank. I reached out to the customer service few members hang up on me and finally one person tried their best to understand my frustation and suggest to call again for more information. I am currently out of my banking access where I can't buy things for my pregnant wife, my new born due date is a few days and I am stuck cause of an irresponsible bank that can't communicate with a loyal member for more than 3 years. I referred friends and family member to bank with them but I got a slap in the face in return. I wished I would transfer my paystubs/direct deposit to XXXX XXXX XXXX XXXX because those banks treated me values and respect. Capital one is not a bank that truly values their customers. I never had a late payment with them but now I am going to be in late for my car note because of them. If my credit is affected Capital one is responsible for my default and late payment.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX, XXXX and Equifax credit report on XX/XX/year> and notice some things that are incomplete and not accurate. First thing first the account in question is with XXXX XXXX XXXX the account number on XXXX is XXXX, the account number on XXXX is XXXX and Equifax is XXXX. As you can see the account numbers are not the same on all three of the credit reports. Another inaccuracy on this XXXX XXXX XXXX notice is the fact that the credit limit on XXXX is XXXX but the credit limit on XXXX and Equifax is {$500.00} dollars. This does not match up on all three reports .Another inaccuracy is the fact that the date of last activity for the XXXX XXXX XXXX  account does not match up on all three accounts. The date of last activity on XXXX is XX/XX/year>, on XXXX is XX/XX/year> and on Equifax its XX/XX/year>. All three dont match another violation. according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 [ e ] [ b ]. And according to 15 USC 1681i5 they are suppose to do this [ 5 ] Treatment of inaccurate or unverifiable information [ A ] in general, after any reinvestigation under paragraph [ XXXX ] of any information disputed.
Product: Debt collection

An auto accident that occurred at a red light on XX/XX/2021. It is claimed I owe damages for the amount of over {$4000.00}. This accident that has been claimed against me had a police report on the scene that noted that NO DAMAGES WERE MADE for this accident. On the police report I have in my possession along with pictures of both my vehicle and the other partys vehicle show no damages on her vehicle. This claim brought against me shows parts and items of this vehicle that mine didnt make any contact that she had gotten fixed and is trying to sabotage/blackmail me into paying for. I have a lawyer for this matter and have sent many dispute forms to AFNI subrogation claims department stating they in violation of my rights and for not proving the debt I owe is caused by the accident that occurred on the date of XX/XX/2021. My vehicle bumped her hitch on the back of the other partys SUV and left no damage at all. Nobody was hurt. The officers told us to go our separate ways. I will not be paying for damages claimed against me that are separate from her own vehicle maintenance needed to be fixed. It was 2 full months after the accident that the other party decided to go get her vehicle fixed and due to the nature of the weather she may of been involved with a different accident or struck an object due to the snow/sleet/rain conditions. I have all my documents to fight this and have already filed many dispute forms for this occurrence. Please give me a call at XXXX or email me @ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, On XX/XX/2023 I sent certified letters asking the credit reporting agencies to verify inaccuracies on my credit report and send me proof. Over 30 days has past now and these items are still reporting inaccurately on my credit report. How are these accounts verified if the date of last activity, date of last reporting, date of opened and among other things are completely wrong? This is a clear violation of my rights!!! 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OAG CHILD SU - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T

he FCRA requires CRAs to take reasonable steps to ensure the accuracy and completeness of the information in consumer credit reports. This includes conducting a reasonable investigation when a consumer disputes information on their credit report. However, in my case, the CRA has failed to properly investigate my dispute and continues to report inaccurate information on my credit report. I believe that this constitutes a violation of my rights under the FCRA, and I request that the Consumer Financial Protection Bureau take action to ensure that the CRA corrects the inaccuracies on my credit report and complies with its obligations under the FCRA. If the CRA fails to properly investigate a dispute and continues to report inaccurate information, the consumer may have a claim under the FCRA for " negligent reporting. '' In such cases, the consumer may be entitled to damages, including actual and statutory damages, as well as attorney 's fees. Additionally, if the CRA knowingly or recklessly reports inaccurate information, the consumer may have a claim under the FCRA for " willful noncompliance. '' In such cases, the consumer may be entitled to statutory damages of up to {$1000.00}, as well as attorney 's fees. I attached all evidence and supporting documents. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two positive accounts, XXXX and XXXX XXXX XXXX, reporting on my credit report. I have never had an account with either of these companies. I have sent multiple letters to the Bureaus asking them to remove them, but they have failed to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXI XXXX Balance {$1200.00} ; XXXX XXXX XXXX XXXX {$510.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX  XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX ( Original creditor : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$470.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( XXXX : XXXX ) XXXX Balance {$420.00} XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX  ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} ; XXXX XXXX XXXX ( Originalcreditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX  ) XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX;
Product: Debt collection

Original Complaint - " The Original Creditor ( XXXX XXXX XXXX ) closed the account of {$670.00}. An unauthorized account was opened by TRANSWORLD SYSTEMS on XX/XX/XXXX. Nothing is due to TRANSWORLD SYSTEMS, who has also tried to collect the same debt under the name TRANSWORLD SYSTEMS INCORPORATED, because I never agreed to a contract with them. The unauthorized account opened by TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED on XX/XX/XXXX. On XX/XX/XXXX, TRANSWORLD SYSTEMS  AND TRANSWORLD SYSTEMS INCORPORATED was contacted in regards to an account opened which includes XXXX XXXX XXXX. That was the first contact to TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED  with a remedy, of closing the account and contacting the credit bureaus, which TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED works with to have that account removed from XXXX XXXX XXXX credit report. TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED responded to XXXX XXXX XXXX complaint on XX/XX/XXXX, " Dear XXXX XXXX XXXX : Transworld Systems Inc. ( TSI ) has received your complaint filed with the Consumer Financial Protection Bureau for the above-referenced accounts. TSI has researched this matter and the findings are set forth below TSI requested and has received validation information for the above-referenced accounts. Since this relates to a medical account, TSI will forward the validation information to you via mail under separate cover. You may contact XXXX XXXX at XXXX for inquiries on the above accounts. Please be advised that we have contacted the credit bureaus, with which we do business, with our request to place our listing of the above accounts on your credit profile in a disputed status. Please be advised that we can not effect a change to how any other company may have listed the above accounts on your credit profile. We appreciate the opportunity to respond to your inquiry. Very truly yours, TSI Consumer Affairs. '' This is my second contact to TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED in an attempt to give TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED chance to remedy this problem. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( FCRA ) * Violation of the FDCPA * Defamation of character As indicated above, TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED is a " third-party '' that collects on behalf of their client, XXXX   XXXX XXXX ; thus, XXXX XXXX XXXX ' contract would not be with TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED, but with XXXX   XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax how are your reporting a XXXX XXXX XXXX  on my report when XXXX does not have this information in their system? I sent a dispute letter along with a letter from letter from XXXX stating that the XXXX was deleted from their system due to it be unverifiable. I also sent in a letter from the XXXX XXXX XXXX  stating that they do not provide court information to third party companies. 
So my next question is who provided you with the XXXX information? How did your properly verify this to be true and please provide me with the correspondence between Equifax and the entity that provided this information.
Product: Credit reporting or other personal consumer reports

I was informed that my personal information was exposed under a security data breach and have since noticed several hard inquiries on my personal credit report that were placed there without my consent. The inquiries are from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My debit card was physically stolen and someone spent nearly {$700.00} at a bar. Im not even XXXX so I cant XXXX and have provided proof and nothing has been fixed. They denied both of my claims and said they cant open any more. And apparently the main reason is because the first phone worker I spoke to ( who could barely understand me ) put down the wrong info saying that I gave someone the card, which I most certainly did not. The card was missing from XX/XX/year> - XX/XX/year> and a total of {$670.00} was stolen. This is my reference number for the Chase Bank Claims : Reference # XXXX
Product: Credit card or prepaid card

I called the company on XX/XX/XXXX to dispute a charges with XXXX. They sent me a letter dated XX/XX/XXXX stating it had been resolved in my favor. I called on XX/XX/XXXX to say it was not resolved because charges still on my card. They said I had to send a fax to the billing dispute section which I did on XX/XX/XXXX. I was assured no interest or late fees would be charged. No response as of XX/XX/XXXX so I called again. I was passed around from one person to the next. They would not even confirm receiving my fax. A supervisor was supposed to get back with me. I was assured again no interest or late fees will be charged because still disputing. I called again on XX/XX/XXXX because no response. XXXX confirmed nothing done since my call on XX/XX/XXXX. Assigned a new case number. Was supposed to get call from account manager. Assured again no interest or late fees to be charged. Still no response so sent another fax on XX/XX/XXXX. By XX/XX/XXXX, still no resolution or written communication to XX/XX/XXXX or XX/XX/XXXX fax so I called again. You get passed around from person to person with no one able to make a decision. Despite assurances no interest or late fees, I have been charged {$29.00} in late fees and {$29.00} in interest. I resolved my issue with directly with XXXX but I want these fees refunded to me. Barclays handling of this dispute is completely unacceptable.
Product: Student loan

Department OF EDUC Educational with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. DP OF EDUC Educational with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent transunion still yet to follow law company zero out balance but not remove account which is a violation of my demands and my rights.

To Whom this concern. 

Please forward to person of interest. 

I am writing to disputeXXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX, ] on credit report. The balance listed on the account is incorrect. 

YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. 

YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful REPORTING!
Product: Debt collection

After 11/2 of years ( XX/XX/XXXX ), I did n't know about endorsement and I decided to take over the XXXX XXXX here in US. I paid cash as I go {$17000.00} because of non-, matriculate. I had an emergency about my kids back home that I have to quit school to work longer hours for family matters. After 3 years of my children arrivals in the US, I always wanted to upgrade my XXXX XXXX and I did started but suddenly on XX/XX/XXXX I started to received annoyed phone calls 7 days a week and letters from multiples debt collector agencies to collect loan payment for XXXX for the past of 5 years. They stopped harassed me finally for a while when I told them that I reported them to the consumers affairs. On XX/XX/XXXX, I could n't perform the jobs I used to do and I decided to go back again for XXXX XXXX. Since on my teen age I have a passion for beauty, health care and singing. I did applied on line for financial aid and I paid {$7500.00} for the application and they send me a report therefore when I go to the school to register for the program, the financial aid secretary have to re apply for the financial Aid and I had told that I had a grant and Pell grant.. Unfortunately, On XX/XX/XXXX I received a negative report account using my personal information as the account number from Great Lakes debt collector agencies of {$950000.00}. The programs at that time was {$10000.00} plus the kit fees was {$60000.00} plus {$10000.00} for a total {$11000.00} that I paid my kit 's fee and the registration fee. I have a grant of {$5600.00} as I had been told I also had a Pell grant that I did n't know the amount. And when I tried to find out of this early debt collection and why the Great Lakes international borrower debt collection back on XX/XX/XXXX using my personal identification instead of a loan account, the director of the school and the financial aid secretary after each one referred me to an another, each one replied that they do not have any idea but they will investigate. Therefore I never know about the Pell grant amount because I always wanted to know about why I had been treated unfairly and I did believed they fraud me to collect the previous untruthful and unlawful debt from XX/XX/XXXX wrongfully otherwise I will have a loan account assigned. After I talked to them and have update from me then there is an account and the number is XXXX I did contacted this international agency and set a monthly payment until I determined that was unfair as I promised. It was n't a discussion but I was investigated the debt. my last name was misspell, personal identification reported as account #, multiply different address agencies and names so that prove it may be an untruth account. therefore I wanted this account be investigated and delete accordingly. XX/XX/XXXX this account was paid in full and XXXX balance from credit bureau agencies. I declared and demand justice from unlawful activities. Please feel free to investigate
Product: Student loan

My student loan accounts have been inaccessible for over 3 months. My accounts were transferred from XXXX XXXX in, I believe, XXXX of 2022 and have yet to be set up with Aidvantage. I have not received an account number. I can not request a refund that I have been trying to get since XXXX of 2022. I am told something different every time I call Aidvantage, and nothing has been done. I know that Aidvantage has my loan information because they can see it when I call in and provide my social security number, but they have yet to set up my account and issue an account number.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my dispute s regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation. The accounts involved were the XXXX XXXX XXXX account and XXXX XXXX ( Bread Rewards ) account.
Product: Credit card

BAIT AND SWITCH. Barclays lured military members into signing up for a credit card by waiving the annual fee while on  XXXX   XXXX . Then once established as a customer they imposed an annual fee of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX. XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.