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

The remaining balance with XXXX finance was written off in XX/XX/2018. This company has illegally reported late payments and an open account to XXXX and Equifax twice since XXXX. On XX/XX/XXXX my credit score dropped 20 pts. On XX/XX/XXXX my score dropped another XXXX points when they unlawfully reported a late payment on a closed account and the account was re-opened. I will Sue this company and the credit bureaus if this account is not removed from my credit reports under the FCRA. There can not be new missed payments on a 3.5 year old charged off account causing my score to plummet. I have attached documents showing their illegal procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, According to USC 6827 Department of educationXXXX XXXX has violated my rights ( 1 ) Customer The term customer means, with respect to a financial institution, any person ( or authorized representative of a person ) to whom the financial institution provides a product or service, including that of acting as a fiduciary.

( 2 ) Customer information of a financial institution The term customer information of a financial institution means any information maintained by or for a financial institution which is derived from the relationship between the financial institution and a customer of the financial institution and is identified with the customer.

( 3 ) Document The term document means any information in any form.

( 4 ) Financial institution ( A ) In general The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution.

( B ) Certain financial institutions specifically included The term financial institution includes any depository institution ( as defined in section 461 ( b ) ( 1 ) ( A ) of title 12 ), any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, and any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis ( as defined in section 1681a ( p ) of this title ).

( C ) Securities institutions For purposes of subparagraph ( B ) ( i ) the terms broker and dealer have the same meanings as given in section 78c of this title ; ( ii ) the term investment adviser has the same meaning as given in section 80b2 ( a ) ( 11 ) of this title; and ( iii ) the term investment company has the same meaning as given in section 80a3 of this title.

( D ) Certain persons and entities specifically excluded The term financial institution does not include any person or entity with respect to any financial activity that is subject to the jurisdiction of the Commodity Futures Trading Commission under the Commodity Exchange Act [ 7 U.S.C. 1 et seq. ] and does not include the Federal Agricultural Mortgage Corporation or any entity chartered and operating under the Farm Credit Act of 1971 [ 12 U.S.C. 2001 et seq. ].

( E ) Further definition by regulation The Federal Trade Commission, after consultation with Federal banking agencies and the Securities and Exchange Commission, may prescribe regulations clarifying or describing the types of institutions which shall be treated as financial institutions for purposes of this subchapter.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX XX/XX/year> -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a dispute letter to Transunion stating and labeling specific inaccuracies with a Negative Account named XXXX XXXX - XXXX. 
I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation to my disputes at all. 
the original dispute letter which I uploaded to this complaint along with the suppoorting documentation proving and showing inaccuracies for the negative account XXXX XXXX. This is the same information I mailed to Transunion on the XXXX. 
this has been well over 30 days and as of the 31st day Transunion is in violation of the FCRA as it pertains to the dispute process as well as inaccurate and false reporting. 

Now to get to the nature of my dispute XXXX XXXX 1. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, TU- {$0.00}, XXXX- {$5300.00} 3. Reporting 3 different Balance amount, XXXX, TU- {$0.00}, XXXX- {$5800.00} 4. Date of last payment is not the same across the 3 Credit Bureaus. By looking at the documentation I submitted. 
These are just some of the multitude of errors that I disputed specifically and no investigation was ever started.. 
A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSIONS OF SUPPOSEDLY THE SAME ACCOUNT TO 3 BUREAUS 3 DIFFERENT WAYS. 
It's obvious that Transunion did not do a complete and thorough investigation, and did not rely on any of the proof that I sent them
Product: Credit card or prepaid card

Sometime in 2022 Comenity Capital bank purchased my credit card account from XXXX XXXX  - I was never told that the account was sold my credit card just stopped working one day. I never received notice that the account had been sold or any information from either bank with instructions on how to set up my new account with Comenity. The first correspondence I received from the bank was to inform me that my payment was late and that my account was delinquent I called Comenity on XX/XX/2022 in authorized a payment to bring my account current however they fail to process the payment. I was told at the time that a new card had been sent weeks ago and that I should have received it in the mail I believe that this is a lie I dont believe that any card has ever been sent to my address by Comenity Bank . After a couple of weeks I noticed that the payment has not posted to my bank account and that a second card that they claimed to have sent to my house has not arrived yet so I called them on XX/XX/2022 to inquire about the payment in about the new card. They claimed a new card had been sent but that the payment has been declined by my bank. When I asked why they had not contacted me they had no answer. I requested to stay on the phone with them while they made a payment from my bank account in order to make my account current which they did I paid them {$2500.00} on XX/XX/2022 and I requested a third card be sent to my home address. The third card was never sent I did however receive a letter today from the bank claiming that I was not eligible for a new card due to the status of my account. I have never missed a payment on any credit card that is currently issued to me. Comenity Bank continues to charge me late fees and interest on an incorrect balance. I believe very strongly that they are doing this on purpose in order to collect extra fees. It is my belief that they have never tried to send me a new card and that they are making it difficult on purpose for me to keep the account current. If there are any issues with my account it is the fault of Comenity Bank and not mine.
Product: Credit card

XXXX. Made hotel reservations XX/XX/year> through XXXX XXXX ( XXXX XXXX XXXX XXXX ) for a stay on XX/XX/year> for {$310.00} XXXX. XXXX plans - cancelled reservation through XXXX XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/year>. 
XXXX. Did not see credit on credit card account in timely manner - contested charge through Citibank ( credit card company ) XXXX. Citibank gave condition credit of {$310.00} on XX/XX/year> while researched XXXX. Citibank statement shows conditional credit of {$310.00} on XX/XX/year> XXXX. Citibank statement show reversal of conditional credit on XX/XX/year>. XXXX charged {$310.00}. 
XXXX. XXXX XXXX sent email confirmation of reservation cancellation on XX/XX/year>. 
XXXX. Citibank sent letter dated XX/XX/year> stating their investigation showed valid charge with instructions to send documents to dispute. 
XXXX. Faxed reservation cancellation confirmation to Citibank on XX/XX/year>. 
XXXX. XXXX from Citibank dated XX/XX/year> stating they are working on dispute. 
XXXX. Reverse of hotel accommodations on XX/XX/year>. XXXX charged {$310.00} XXXX. XXXX from Citibank stating they have made attempts to work with XXXX XXXX with no resolution. Will recharge credit card. 
XXXX. Called XXXX XXXX on XX/XX/year> and XX/XX/year>- they stated since charge was disputed they never received any money from Citibank. 
XXXX. Called Citibank on XX/XX/year>- they stated they were unable to get funds back from XXXX XXXX and we would need to follow up with XXXX XXXX ourselves. 
XXXX. We are out {$310.00} for a hotel reservation on XX/XX/year> that has been cancelled. I verified with the hotel directly that our reservation was cancelled and they do not receive the money until their customers check in. 
XXXX. We are attaching copies of all documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$500.00} XXXX XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}
Product: Credit card or prepaid card

To Whom It May Concern, I am writing concerning my experience with CapitalOne is both a grateful thank-you and a pressing request concerning my account. 

I received my CapitalOne credit card in XXXX of XXXX and took pride in the fact that I routinely made all my payments on time. Unfortunately, in XX/XX/XXXX I missed a payment due to my children becoming sick and then myself. With one child getting better and the next week another child becoming sick and then I became sick as well. I was also told I missed two payments in a row and was 30-60 days late and that's why I was reported as late for XXXX Also I am a XXXX and in XXXX, XXXX and XXXX we had XXXX spread through my facility. I believe XXXX is what my children and I caught in XXXX. People might have started to forget about XXXX, but it's still spreading in waves in Healthcare facilities and Healthcare workers are still battling this virus. I'd appreciate the removal of my late payments from my credit. 

I am a single mother of XXXX children and saving to purchase our first home in the coming year and now I'm not so sure if I can be approved with my unintentional mistake with CapitalOne. I am very sorry. 

Since that incident, I have learned the essential organizational and financial management skills I needed at that point, and my payment history reflects that. I wish to thank you for your renewed confidence in me and for giving me a second chance at a positive relationship with CapitalOne, one that I am determined to keep untarnished. 

Since that late payment does not reflect my current status with your company, Im requesting that you please give me a second chance at a positive credit history by revising those tradelines. I sincerely hope that there is redemption at CapitalOne, and I would like to ask for such consideration. 

I thank you again for the time you have spent reading this correspondence. 

Very hopefully yours, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect us consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about my consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both XXXX as well as the collection agency ( then ) Credit  Collection Services to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from XXXX XXXX XXXX for {$370.00}, the same amount paid on XX/XX/2019. I again called XXXX as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to XXXX electing to place me into collections twice for the same account. I do not trust neither believe in the process of XXXX as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.
Product: Credit card

I bought an item from a merchant website. 
I paid with my CC.for the amount of {$2600.00}. when I received the item, it was nothing like the item displayed on the website. I contacted the seller and requested a refund. The refund was denied. I sent pictures of the item I received. The merchant only cared about me weighing the item. The weight was not in dispute, it was the item being fake and completely different to the website. I asked to send it back. It was denied. The seller admitted to XXXX  me over. And even said he would win if I filed a dispute with my credit card. I filed a dispute and received credit for the item. Then, capital one denied my dispute and sided with the seller. the seller sent only one email asking me to weight the item. And a picture that I received the item. I received a fake item. And the seller sent one email out of +80 emails. I provided capital one with pictures of the emails. I sent emails of the seller saying he would not refund me. He said I was XXXX  and to accept it. He said he didn't care I received a fake item. I even offered to pay for the shipping. Yet, capital one ignored all that and sided with the seller. The seller only showed that an item was sent and that I received it. And a picture of an email asking me for the weight. He didn't send the emails of me offering to return it. He didn't send email of me sending pictures of the fake item. Capital One sided with the seller when I had not even had the ability to send pictures of my emails. The seller literally wrote in an email he was XXXX  me over. And capital one paid him. Me having emails of the seller saying he didn't care, he refused to accept a refund multiple times, he refused to acknowledge the issue. And all because I didn't send a picture of the weight of the item. The weight is not the issue! It's that everything looked different and he admitted to it being different! Admitted to using a third party shipper. All that ignored! The pictures he gave capital one of his items are not even the same pictures on the Website! All of it screams fraud and capital one sided with him.
Product: Credit card

There is an inquiry on my credit report for AMEX ( American Express credit card ), which I didnt apply for dated XX/XX/2024.
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 confidentially under 15 USC 1681. Convergent Accounts # XXXX ( XXXX XXXX XXXX {$850.00}, XXXX XXXXXXXX {$800.00}, XXXX {$0.00}, XXXX {$700.00} 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. ( 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 XXXX 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 the information is inaccurate. I sent serval disputes to these companies and they yet to follow you guys rules and laws. I am ready to take legal actions if I don't get a fair and proper insvestagation or these fraudulent accounts be remove immediately.
Product: Credit reporting

i applied for XXXX personal loans on XX/XX/XXXX it is saying that i have XXXX inquiries thats not right
Product: Debt collection

I was seen in the hallway of the XXXX  at XXXX XXXX XXXX on XX/XX/2020. I provided my medical insurance cards. I had medical insurance through the State of Arizona, where I resided at the time. I was stuck in PA due to XXXX. When I saw the collection on my credit report, I called the hospital billing to question, as I never received a bill. Through months of my following up, I learned that the hospital billing department mistakingly billed the State of PA, and not my insurance. According to the Insurance company, they did pay the doctor bill, as it was properly billed, however, the hospital facility bill was incorrect. Since this wasn't brought to my attention until past the 6 month deadline for billing, the Insurance company will not pay this bill. 

I also provided the collection agency with a copy of letter from my Insurance Company conforming that I did have coverage at the time of service ( per their request ). The collection agency then told me, upon follow up, that they wanted a representative to call them directly. My insurance company refused, as this is a violation of HIPPA. 

I have made several attempts to have this removed from my credit report, and the collection agency continues to " move the bar '', with regard to their requests of proof. They have been belligerent when I contact them. The collection agency is Medical Data Systems, XXXX.
Product: Debt collection

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/year>, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX XXXX, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a XXXX XXXX  XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Product: Credit reporting or other personal consumer reports

I never consent to share my information to a third party and I never once gave permission for bureuas to attach this type of stuff to my credit then report as an account I opened even dates, addresses, payments are all out of order but they all come from one company which is confusing and I read it reach this violations of 15USC Tila laws and disclosure agreements Credit Acceptance Corp XXXX  Bureuas have dates, addresses, balances, reports dates all out of order hindered my credit too
Product: Debt collection

I contacted the collection company, MRS BPO, after filing a police report on XX/XX/XXXX. There is an unpaid balance of {$910.00} owed to XXXX XXXX which was turned over to collections in XX/XX/XXXX. The police report case number XXXX was filed with the XXXX XXXX XXXX XXXX ) XXXX. Presumably, the account with XXXX was opened using my SS #.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/year> I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX XXXXXXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

American Education Services has not been reporting my payments to my credit bureaus and it has impacted my credit sore significantly. I would like them to report the monthly payments.