23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Name is XXXX XXXX. This complaint involves many parties ( The Merchant, The issuing Bank and VISA XXXX XXXX, all of which I have filed individual complaints. The party in this complaint is Capital One Bank in what I feel is in violation Claims and Defenses Provision and the Fair Credit Billing act. I have also asked VISA XXXX to investigate Capital One BankThe merchandise purchased was a sofa, delivered during the holidays in late XX/XX/XXXX using VISA XXXX. It was decided that the quality of the sofa was questionable. It definitely is n't 100 % leather as claimed. XXXX before the merchandise was delivered and this was a bigger concern as the hardness of the furniture made XXXX very uncomfortable, exacerbating the XXXX condition. 

After the merchant ( XXXX, XXXX Florida ) failed to listen to my concerns about the quality of the furniture and how it also created an uncomfortable environment, I decided to exercise my dispute rights explaining to capital One the reasons. The Capital One Chargeback XXXX case create was # XXXX. 
During the dispute cycle, I uploading several documents to Capital One 's Transaction dispute center. It was also discovered there was hidden damage under the furniture which the merchant, XXXX XXXX XXXX XXXX in XXXX Florida XXXX failed to address. Pictures of the damage were uploaded to the Capital One Transaction Dispute center as well, but with no response from Capital One. 

In XX/XX/XXXX Capital One found favor with the Merchant and re-billed the charge back. I have paid off the Capital One Balance with the exception of the disputed balance in question. I have closed out the account with the disputed VISA ending in XXXX and have also closed out my other Capital One account. I have asked VISA to investigate Capital One as I do not feel Capital One Honored my dispute rights properly. As of today I do not feel this remaining disputed balance is a legitimate debt due to the quality of furniture and other mitigating circumstances. I do not feel this is a valid debt due to the poor quality and well documented circumstances provided to Capital One. I can be reached at XXXX XXXX XXXX or via email at : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

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






XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$37000.00} XXXX XXXX XXXX XXXXXXXX {$4200.00} {$4200.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a formal complaint to all XXXX credit bureaus ( XXXX, XXXX XXXX XXXX XXXX, and TransUnion Consumer Solutions in regards to reporting inaccurate and incomplete credit information in reference to the Fair Credir Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 

On XX/XX/XXXX I submitted a second dispute letter in reference to the same issue via no update. 

It has now been passed 30 days and no investigation results have been emailed or mailed to me.
Product: Credit reporting

I have 3 personal loans with XXXX Bank. One of my loans I have had since XX/XX/XXXX. I have never missed a payment or have been late with a payment. On XX/XX/XXXX, XXXX charged off my loan without any warning to me and for no specific reason. When I called XXXX to discuss error they told me they 're able to charge off any loan they want at anytime. I did n't sign any contract for these terms. This has greatly effected my credit and XXXX has even taken away certain features of their website from me because they claim I have an account unpaid through them. I have disputed this through Experian and all they did was update status to say " never late '', but it still shows account charged off.
Product: Debt collection

This Company Credit System international Account # XXXX. Dated opened XX/XX/year> balance claimed owed {$780.00} Balance updated XX/XX/year>. Place on my credit negative report on my credit. I do not owe any debt to any company Delete this account for ( violation/inaccuracy ) 1.

Payment history, 2. Reporting as charged off 3.

Activity after the close date 4. A status of late__days 5. A past due of __even though this is a collection.

Delete this account for violation of false reportin-account should not be reporting a payment after it has been closed. The validity of this account is challenged. XXXX deleted this account due to 15 USC 1602 ( g ) ( 2 ), No evidence of indebtedness, only the agreement provided. You are still listing. DELETE ACCOUNT. 
XXXX
Product: Credit reporting or other personal consumer reports

Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission. The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered XXXX certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.
Product: Credit card

I got this CareCredit at the dentists office about 2 years ago ( XXXX ). At the time I talked to a rep over the phone. From what I understand, I just need to make the monthly payment, I would pay it off in 2 years. Now it turned out that the monthly payments dont add up to the total ( {$5000.00} ). I didnt do the math myself. I trusted the rep. I feel I was tricked into taking the loan. This is misleading and deceptive. 

I got emails every month that tells me how much to pay ( a different amount every month ), so I paid that amount. The " current statement '' link in the email just takes me to a page that displays the same content as in the email. I thought that was the statement. It never gives any reminder or warning or any indication that its near the end of 2 years. All of a sudden, I got charged this high interest ( {$3000.00} plus ). 

on XX/XX/XXXX talked to a rep on the phone, she indicates that the terms are in the statement ( I thought the email was equivalent to the statement ). but the statement is not obviously available. The " current statement '' link in the email just takes you to a page that displays the same content as in the email. it takes several clicks and then an error page. I never got any paper statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX account ending in XXXX on several occasions with Equifax, XXXX, and XXXX. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. Equifax, XXXX, and XXXX are not in compliance with the FCRA and are still reporting XXXX on my credit report
Product: Checking or savings account

Somewhere XX/XX/year>2024, I applied for Everbank Savings account, after successfully submitting application online, there was a notice for a 3 days review on the application page. 

I had no response from Everbank whatsoever, no email to even confirm that I submitted application, no mail notice whatsoever and no communication from Everbank. 

This Month XXXX, 2024. I applied for the same Savings account and got the same notice for 3 days review on the application page online. 

This time I decided to call in immediately to get an update on the application. I spoke to one customer support and she suggested waiting out the 3 days review without even checking on the application. She also went ahead and said that I could check application status by setting up online account which seemed odd because I'm only used to setting up online account that is after applications are approved. 

I tried setting up the online account anyways and received an error ( attached ). 

Today XX/XX/year>2024, I called in to get the status of the application only to be told both applications on XXXX and XXXX were denied immediately after application was submitted. I asked her why I didn't receive any notice via email or mail regarding the application denial, even my application from XX/XX/year>2024 because I have not received any mail from Everbank. 

She's said she will give me a number to call to get more information on the application. I took the number only for her to mention that the number provided is to reach XXXX ( XXXX XXXX XXXX ). To point were she claim mail was sent by XXXX because I havent received any. 

How absurd! I need a notice from Everbank stating why both applications were denied and the inadequate service Everbank is providing to me be accounted for. As far as I'm concerned, my XXXX disclosure report is up to date. 

What is not up to date is XXXX communications from Everbank regarding my application and also, I didn't apply for an account with XXXX. The job of XXXX is to provide Everbank with my consumer report.
Product: Debt collection

Called and threatened jail time for a payday loan I never had. Explained to them I have not worked since XX/XX/XXXX. I 'm XXXX. Told me I took out a loan in XX/XX/XXXX. I asked them to send verification in the mail. Told me they ca n't. They hung up on me and told me good luck, you will need it. Then they called my XXXX year old mother in law and threatened her. I have not taken out any loans at all. They have all my private information as well. I have also recently had XXXX of my credit cards hacked and used as well as someone trying to steal income tax return. I received a letter from the IRS warning me of hackers. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I gave permission for a credit bureau to check my credit. for a home loan. When the loan was looking like it was n't going to go through due to my credit report. I pulled my report to find this company did another hard inquiry that I did not approve of. Then to find out its listed as miscellaneous. which in turn looks worse. I contacted the company which they never once returned my call or tried to help. instead I get put on permanent hold and or the call gets " lost ''. 
the company name is : 1 ) I R XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The past XXXX of Key and the culture of his administration has relied on the motto XXXX XXXX XXXX. Key has increasingly externalized critical transactions such as transfers through anonymous call center personnel in other countries, where records have supposedly vanished and a bankruptcy of accountability prevails where and when expedient. 

Disputes over fees, misc. costs, fines, failure to transfer funds, etc. are deflected in a process where Key requires that these disputes be pursued with the Credit Bureaus and that it should be first processed through Key Bank. Obviously, these disputes are not with the Credit Bureau, which is of course only reporting Keys input. The dispute is with Key that uses Credit Bureau scoring as threats that can damage their clients borrowing ability, business line of credit, costs of insurance, etc. When these transactions such as money transfers through call centers in XXXX are contracted, it serves to externalize accountability of Key and masks their documentation of inbound calls, misinterpretation of client instructions and errors as simple as missing the submit button or forgetting to enter a transaction on their computer screen. 

When Keyss XXXX XXXX XXXX in Ohio is confronted with the details including identification of personnel making errors, the dismissive response is to bury the inquiry in XXXX pages of irrelevant white wash. 

If CFPD would like to make a difference, it would find a mother load in Keys exportation of liability to other countries to avoid accountability in Ours.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I sent out a letter certified mail on XX/XX/ 2021, to Experian asking that they remove the fraudulent accounts. In the letter, I submitted my identity theft report, 3 forms of identification, a notice of furnishers laws, and the credit report showing where Experian had reported inaccurate information. It has been over 30 days and I have not received a response yet. 




Here is a list of the fraudulent accounts that need to be removed : XXXX {$3400.00} XXXX XXXX {$1900.00} XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$750.00} XXXXXXX/XX/XXXXXXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXXXXXX {$950.00} 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 XX/XX/XXXX 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 consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I was not aware of this debt therefore my rights have been violated according to 15 U.S. Code 1681h - Conditions and form of disclosure to consumers. A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification. 


Please view debt and original creditor : Collection Agency LANIER COLLECTION AGENCY Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX Original Amount Owed XXXX Amount XXXX Status Date XXXX XXXX XXXX Status UNPAID Balance Date XXXX XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XXXX XXXX XXXX Comments
Product: Checking or savings account

See attached document for details. 
XX/XX/year> Unauthorized transactions were made from my account in the amount of {$7000.00}. 
XX/XX/year> I reported these transactions as unauthorized and filed a police report, which was provided to Navy Fedeal Credit Union. 
XX/XX/year> NFCU denied my initial dispute ( even after recovering some of the funds ) ; they didn't even contact law enforcement on details. I requested information regarding on how they came to denial conclusion. NFCU refused to provide that information. 
XX/XX/year> I submitted an appeal along with additional information ( police report ) ; NFCU still did not contact Detective in charge of the case. 
XX/XX/year> I learned the appeal was denied and NFCU still did not contact police detective as his request. NFCU notes stated appeal was denied " due to conflicting information '' and I was an " active participant in the fraudulent activity '' ; which is not true. 
XXXX - XXXX I never received the letter dated XXXX XX/XX/XXXX ; it was finally provided a couple weeks later I after called them numerous times ; they stated it was lost in the mail. Although I received the initial denial in XXXX. 

I repeatedly requested NFCU to provide details surrounding the denied appeal of the unauthorized transactions from my account, which they refused and won't credits my accounts. They have stoned walled me and I am being forced to seek legal counsel. XXXX have been forthcoming with all documentations without anyone having to request anything, NFCU repeatedly refuses to provide results/details of their findings; refused to credit my account; refused to work with law enforcement ; and etc. This event has devasted my life and has exhausted me. I am seeking your help
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud. There is an account on my credit report that does not belong to me. I have submitted a fraud report to the credit bureaus ( XXXX, Equifax, and XXXX ) and disputed this account multiple times, providing all the necessary documentation, including proof of identity theft. Despite my efforts, the credit bureaus have refused to remove the fraudulent account. It is still being reported on my credit report, showing an outstanding balance that I am not responsible for. This error is negatively affecting my credit score and causing me significant distress. I am requesting the CFPB 's assistance to ensure that the credit bureaus conduct a thorough investigation, remove the fraudulent account, and correct my credit report. I have attached copies of all my correspondence with the credit bureaus, as well as my fraud report, to support my claim.
Product: Debt collection

On XX/XX/2020 I sent communication to XXXX, XXXX, and XXXX  credit reporting agencies with a dispute about an item that I did not recognize and had never entered into any agreement with. After sending in the dispute, saying that the debt reported was not mine and did not belong to me and asking for proof to verify it, or delete it, I was then told that it was verified. Soon after, I received a letter in the mail from Portfolio Recovery Associates, LLC  stating that I somehow owe them money on a XXXX XXXX  account I had. They showed me old statements that I had with XXXX XXXXXXXX, but I never received a single document stating or showing that I entered into an agreement with Portfolio Recovery Associates, LLC, even after asking for proof. 

After numerous illicit calls from them, I found out that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed upon not being able to verify it, my request just came back verified and was not removed. As I stated earlier, I have never spoken to, dealt with, or entered into any agreement with Portfolio Recovery Associates, LLC. They are illegally trying to collect money from me, and they are hurting my credit and my livelihood by reporting this illegally on my credit report. I do not want to sue anyone but I also take this seriously, and breaking the law to harm me financially is something that I do not take lightly. 

According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. 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.