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

I bought an air ticket on XX/XX/XXXX from a ticket agent XXXX using my Capital One credit card for a two way trip from XXXX York XXXX NY to XXXX ( XXXX date XX/XX/XXXX ). The flight was canceled before the flight date by XXXX XXXX due to Covid. I called the agent and was informed that a refund would be issued but I had never received it. 

I filed a dispute with Capital One in XXXX and received a temporary refund from Capital One but eventually the refund was reversed back to the merchant. I received a note from my Capital One online account in electronic form ( not paper!! ) regarding the decision. 

The case number for the dispute is XXXX. 

I called their customer service upon finding out the decision and was informed by the customer service representative that the merchant claimed that they needed more time to process the refund. And I specifically asked the rep if I could still dispute the charges if the refund did not come through later. The rep said I could file a complaint again if the refund did not come through later. She did not mention anything of the sort that I needed to send in more paperwork to extend the dispute. 

In XXXX I still did not receive the refund so I called Capital One. Then I was informed that I could not dispute the charges anymore. 

Enclosed please find a letter I received in electronic form ( PDF ) around XX/XX/XXXX on my online Capital One account. In that electronic letter it mentioned : " Please fax the requested information to XXXX, and allow 10 business days for us to respond. If you're unable to respond by fax, please send us the requested information in the enclosed pre addressed envelope, and allow 15 business days for us to respond. '' I have never received any pre-addressed envelope. 

On another note, enclosed please also find a screenshot from the XXXX site. It declared it had received the refund from the airlines. I had contacted XXXX XXXX and their reseller XXXX for the refund but with no result.
Product: Credit card

Throughout my history with this account, I've consistently made timely payments, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the late payment remarks appearing on my accounts. According to XXXX XXXX XXXX - Billing Error, any discrepancies should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

EXPERIAN Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} XXXX XXXX : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As appears in XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX This people are requesting my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. In XX/XX/XXXX I lost $ XXXX untraceable money from XXXXXXXX XXXX Coincidence? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Requested my credit report on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Requested my credit report without my consent on XX/XX/XXXX When I called them to complain about it, they immediately asked for my social security number. Imposible! I didn't provide the number, so they continue asking for more personal information, I just disconnected the call. I noticed they were clearly spam numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report to get fraudulent inquires that I didn't initiate removed from damaging my score. I sent XXXX a letter 30 days ago and theyve yet to respond I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX.
Product: Prepaid card

When I was working at my job, I received a prepaid card for my first check, which I had never received. I didnt get my prepaid card until after I had left that job and by then it was supposed to have my first XXXX weeks of work totaling into {$740.00} the card arrived empty and after calling my employer, and then the card company I received no answer as to what happened and no resolution to the issue. I no longer have access to the account.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on XXXX. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least XXXX  days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit card

In XXXX I had a hardship. I noticed that no matter how much I paid on my Juniper ( Barclay 's Bank ) credit card the balance never came down. I was at 12.99 APR. I thought this odd since all my other cc were higher interest and the balance was reflecting my payments. So I called and asked for forbearance and also inquired about the balance and payments received. I was told that they could help by bring my interest down on new purchases for one year. As far as my balance they said I needed to pay more than the minimum which I did more often than not. After the phone call the closed my account. I made XXXX or XXXX payments and noticed no change in the balance and decided to stop payment on the Juniper cc and make payments on cc 's that were showing a positive result towards my balance. This was XXXX, up to this date I had paid nearly XXXX on a XXXX balance. They also locked me out of my online account to where I could not retrieve any information. Fast forward to XXXX. I have been receiving harassing phone calls from Juniper since XXXX asking for payment. I have sent letters, and have asked them to stop calling as I am not financially obligated to this account anymore. In XXXX XXXX the account was sold to a collection agency who told me that I had until XXXX XXXX to pay the settlement amount of XXXX or they will bring a judgement against me. I looked into my credit on both XXXX XXXX and XXXX and both show that Barclay Bank state that I continued to make payments up to XXXX of XXXX which is not only a lie but fraud. I have bank statements to prove otherwise. I was without employment. I was a student at the time, and refused to pay Barclay Bank due to their unfair practices back in XXXX. And since in XXXX I was the only one who was employed would be the reason for my asking for forbearance. Barclay Bank fraudulently added time and payments to my account so that they could continue to pursue, harass and ultimately sue me. 
I have disputed this with XXXX XXXX online, but will need to call XXXX to dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report, despite qualifying as income under IRS guidelines XXXX The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law.

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off.

Legal Basis for Complaint Violation of IRC 6050P- The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditor 's adherence to federal law. 

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditor 's reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : It is considered an unfair, deceptive, or abusive act or practice ( UDAAP ) to report a charged-off account as collectible or delinquent when it should be classified as income and documented through a 1099-C.
Product: Checking or savings account

My joint account with XXXX XXXX was closed in XXXX of XXXX  by my daughter. I need a letter stating that the joint account is closed and has XXXX balance. The letter must state this joint account is closed and currently has no balance. I requested this information and they did not want to provide this letter and mail it to my current home address. I need this for a financial background check to renew my section 8. 

Thank you
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX XXXX XXXX started charging me 2 interest rates on my 1 XXXX XXXX -charge account This is a credit card that can be only used to make perches on the XXXX XXXX web sit. I have had this account since XXXX AND HAVE NEVER BEEN LATE ON A PAYMENT OR MISSED A PAYMENT,,, I have been charged 23.94  % interest since XXXX, XX/XX/XXXX XXXX XXXX added a second interest rate of 25.99 %, 1. I was not give 45 days written notice and the option to opt out 2. i have never been late or missed a payment EVER 3. no part of my payment goes towards the balance i am paying 25.99  % on, the whole payment is being applied to the 23.99 % balance 4. I contacted XXXX XXXX through colony brands and was told he could not help me because he could not access my account. 
5. I am being doubled billed ie when viewing my statement they lust last months balance this months balance and. new charge balance based on a daily balance for a 30 day billing period THIS IS DOUBLE BILLING,,, I have ALL STATEMENTS SINCE XXXX BUT CAN OLY INCLUDE 3 months of statements due to file size limit therefore I will provide 15 months of statements if requested 6. please note the 2 interest rates and the 25.99  % balance HAS NOT RECEIVED ANY PART OF MY MONTHLY PAYMENT AND HAS CONTINUED TO BE CHARGED 25.99 % NO PAY DOWN this a clear cut improper allocation of payment 7. I had to close my XXXX XXXX account because of FRAUD and they are reporting my account closed ultimately lowering my credit score however NOT ONCE DID XXXX XXXX REPORT MY PERFECT CREDIT HISTORY XXXX XXXX CUSTOMER SERVICE TOLD ME THEY FO NOT REPORT ON TIME PAYMENTS, I have never missed a payment but am being punished for closing my account because colony brands could not protect my account against fraud and even though i closed my ACCOUNT I STILL MAKE MY MONTHLY PAYMENTS ONTIME
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around the end of XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from XXXX that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with XXXX XXXX which was paid in full XX/XX/XXXX, XXXX is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on XXXX letterhead ) XXXX has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of XXXX XXXX I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against XXXX if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, Equifax, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Transunion has not given me my report and refuses to without me paying {$29.00} a month. Also, experian has and updated score for me at XXXX and transunion hasnt updated to current info or debts paid, etc for months. It should be illegal for a company to monopolize my ability to apply and get accepted for a home/account/car, etc. I have worked very hard to make these improvements and they seem to not be doing their job. I got denied for a credit card and received another hard inquiry because of there lack of care I was pre approved and had outstanding odds, but because transunion does not have an up to date score ( almost XXXX points less than other bureaus ), I was punished, and in turn that dropped my score again! Absolute INSANITY & Incompetence on their part. 

I need my scores fixed immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank conspires to oppress my rights as a consumer with their associates Equifax in their XXXX  enterprise. They are violating GLBA and FCRA by continuously furnishing my consumer report without my consent and stopping the removal of negative and inaccurate information. Even after the inquiry was confirmed to be removed by Equifax the inquiry remains to be there. They are deceiving me with false information. Please see attached notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX  XXXX XXXX Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im process of buying a house and got a notification that a new collection account from XXXX XXXX XXXX # XXXX has been placed on my account. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX and never had XXXX XXXX XXXX. It appears someone in the building compromised my identity. Please remove this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX It has come to my attention that negative items are being reported on my credit to XXXX, XXXX, Equifax, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX I discovered {$3700.00} withdrawn from business savings account XX/XX/XXXX, not by me or anyone at the business. the bank claims a withdrawal slip was used a branch in IL, see attached. At the time I signed off an affidavit for signature fraud. As of today XX/XX/XXXX they have yet to provide provisional funds back in the form of a check or credit to new savings account opened the same day, XX/XX/XXXX. 
As of XX/XX/XXXX I received a Customer Statement to complete which I did at a local branch on XX/XX/XXXX. This document should have been present and completed at time of affidavit XX/XX/XXXX, they failed to provide or indicate any further documents. The time and effort this has taken is beyond what any individual or business should ever have to deal with for the mistake this institution has caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX - Account # XXXX and XXXX. 
I have all the paper works since I started to disputed this account. 
Unauthorized charges. And I place a fraud alert on my credit report and freeze. 
I did settle my account because is under my name and they said its my obligation to pay for it.. Even you dispute the transactions to them since last year. since I found out that my bank account is getting lower my balance so I call my bank XXXX XXXXXXXXXXXX XXXX and they said they will do the investigation and I submit to XXXX XXXXXXXX XXXX the evidence still they don't do anything on my credit report till now ... 
XXXX XXXXXXXX XXXX promise me to pay off then they will removed right away on my credit report.. 
But till now still there ... 
Please help me for this situation..I 'm stressing out already I paid already even those not my charges..fraud.. 
u can email me if you any more questions. 
I send all the documents that I have ... 
Thank you so much..
Product: Money transfer, virtual currency, or money service

The issue was with Zelle. I was being scammed for XXXX XXXX XXXX XXXX XXXX. Zelle did not confirm the validity of the recipient.
Product: Credit reporting

There should never be any medical bills on my credit report I disputed this with all XXXX credit reporting angecies back in XXXX I am a XXXX permanent and XXXX vet, I see XXXX medical related charges on my report 1. Money recovery acct # XXXX for XXXX 2. Merchants and medical acct # XXXX for XXXX 3. XXXX XXXX. If any XXXX try to put any medical bills on my report there should be an immediate alert because all medical facilities in Michigan that handle veterans should contact XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX and speak to XXXX XXXX I spoke to him on XXXX and he said none of these facilities have contacted him about these accounts. I will send you my total and permanent award letter dated all the way back from XXXX and the credit report entries. I will also send you some bills in the past that the va has paid on my behalf.
Product: Credit card or prepaid card

Closed my account for reasons described as past derogatory information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few concerns about inquiries on my credit report. Is it true that in order to pull someones credit report you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization?