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

I purchased a sound system for my vehicle ( XXXX XXXX XXXX ) on XX/XX/XXXX, with a company named Brandsource and it was a charge of {$1900.00}. I never received a credit card so I couldnt check my account and i wasnt received paper balances for some months. I called them multiple times and asked for them to ship me a new card because you cant access your online account unless you have a credit card available. After multiple attempts I gave up and assumed that I was almost done paying it off ( my monthly payment was $ XXXX/month and I paid $ XXXX/month ). I get a statement in XX/XX/XXXX and when I checked the balance it said that it was at {$1700.00} dollars left on that balance and that they charged me {$1000.00} interest in 1 month. I was furious so I called my legal service and had them send Brandsource a letter. This took place on XX/XX/XXXX. That is when they sent the letter out and I have yet to receive anything back from Brandsource and Neither has my Legal provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. The dispute items do not belong to me. Please block/remove these items :XX/XX/XXXX
Product: Debt collection

I am writing to get information on your company and find out why I see you on my credit report. According to the report, I owe you {$170.00}. Im unsure why this amount is showing and why you think I owe you this money. Can you please send me all the documents that give you the authority to collect this amount or any amount? This includes when the account was received in your office. 

The account in question XXXX
Product: Credit reporting or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX USED XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize this information Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I made my mortgage payment usually by calling in difficulty accessing mortgage website. I had a contact person at the bank name XXXX, who encourge me to call or email him due to multiple customer staying difficulty with the website. I have call in payment for the duration of the loan. In XXXX, I called in my payment and quickly realize that the money was still in the account before the ending of the month, I send an email to XXXX asking why the payment was still in my account and sent the corrected banking information to XXXX and payment was debited on time. XXXX payment was call in upon returning for overseas on XX/XX/year>. I realize that no debit on my account on XX/XX/year>. I ask the bank to read the account number on file of which they did not correct the account number, the error was the same as lat month, the bank had an extra XXXX XXXX  in my account number, so it rejected I quickly brought this to Axos bank attention and also letting them know this error was the bank error. However, even with the email as evidence, I was ignored and reported as late that severely impacted my credit. I am in process of purchasing another property at this time. I receive a change of address in the mail, I do not believe I requested this. The correct information on the loan, should have been in the banking system from day one of servicing. 
Please assist as soon as possible.
Product: Credit card or prepaid card

XX/XX/2023, I filed a dispute with Square for a fraudulent charge made with my square checking account card for {$93.00}. On XX/XX/2023, square decided to go in the merchant 's favor. 1 days is not enough time to complete a thorough investigation as required by FDIC and or Mastercard.
Product: Debt collection

upon checking my credit report i noticed there is a company on my report numerous times trying to collect over XXXX dollar from me i have tried to call them but no answer i dont know who they are and i have never signed a contract with them in person or electronically nor ethier any of there affiliates
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, XXXX and Equifax are in violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}
Product: Credit card or prepaid card

Annual fee for the Citi Premier card posted on XX/XX/XXXX for {$95.00} for second year of card ownership. I called Citi in EARLY XXXX within days of the annual fee posting to downgrade my card to a {$0.00} annual fee Citi Custom Cash card and was told that I would be getting a FULL refund of the annual fee. That was not the case as I was only recently credited the amount of {$79.00} on XX/XX/2023, MONTHS after the fee posted. This is contrary to what was promised, and I should be owed {$15.00} plus interest as Citi had held the funds for nearly two months. This is unacceptable and deceptive business practices.
Product: Credit reporting or other personal consumer reports

There are multiple unauthorized inquiries on my credit report that are hindering me from opening new credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have gone back and forth with capital one about an account reporting on my Credit Reports. I have given documentation and spoke to them and informed them that im not only a Identity Theft victim but a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One has taken no consideration into my circumstances, nor do they care in anyway about there customers. They are still reporting a debt that is not mine to credit reporting agency 's, and ignoring all laws put in place by the government and FRCA that were put in place to protect survivors of XXXX XXXX XXXX XXXX. They have refused to do anything about the fraudulent debt. I am now a single mother who is trying to move forward with my XXXX children in light of what happened to me in the past. They do not care these issues impacting women and victim 's of XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX my XXXX XXXX credit card was closed and I was sent a check for my remaining balance. Since then this credit card has been reporting inaccuracies on my credit report. On XXXX it is reported that the last report date was XX/XX/XXXX and that I missed the XXXX payment but that my account status is paid. However on XXXX its reporting the last reporting date as XX/XX/XXXX and that my last payment was XX/XX/2024, but also that I missed XXXX payment and shows no other payment history at all.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 seven 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 that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} Accounts : XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Bank account or service

I AM SICK XXXX TIRED OF THIS BANK TAKING MONEY FROM ME. WHY WOULD YOU LET A TRANSACTION GO THREW OF MY ACCOUNT IS ALREADY NEGATIVE THEN YOU CHARGE ME XXXX DOLLARS AGAIN THEN A MAINTENCE FEE FOR WHAT YOU HAVENT BEEN CHARGING ME ONE.I AM TIRED OF THIS AND I WILL BE CLOSING MY ACCOUNT
Product: Credit reporting or other personal consumer reports

This serves as a follow-up to my recent complaint. I have also enclosed my recently filed FTC report # XXXX. Once again, I seek your assistance in removing these fraudulent items : -- -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , TX XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX  XXXX , TX XXXX XXXX XXXX XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer identified as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 , These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report 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: Student loan

I have been in contact with XXXX XXXX from Reliant Capital Solutions on behalf of XXXX XXXX University beginning before XXXX XXXX, 2017. I have spoken with him concerning my defaulted XXXX loan. I explained to him that I recently entered into an income based repayment plan for my other federal student loans. He advised me to complete a loan consolidation. He also stated that he would walk me through the process. After looking up the consolidation process online I noticed it may not be in my best interest at this time. I advised XXXX multiple times that I am working with my sister on the best option for me as far as my student loans. I am more comfortable working with her. He is continuing to call me every day from various numbers ; XXXX & XXXX to list a few, after business hours XXXX-XXXX EST. At this point each time I take a call from XXXX he gets more and more rude and agitated that I will not complete the consolidation with him over the phone. " At this point I can not keep putting this off any longer. I am trying to help you. I will have to mark the file as a refusal to pay the $ 3,000+ for the loan balance '' his exact words. I advised him again that this is NOT a refusal. I am working with someone to figure out the best means for me to pay the loan. I can not afford to pay the full amount at this time and am working on a repayment plan. I am working in public service and am trying to see how that would affect me before consolation which would ultimately increase my monthly payment amount exceeding my allowable income to expenses ratio. I advised him that I have his contact information and will reach out to him once my decision is made. It seems as though he is trying to get me to say I am refusing to pay. He is trying to rush me into making a decision that will affect ONLY me. It is very harassing and I have never been treated this way. This is not a good representation of XXXX nor his company. I have call records of all times and dates.
Product: Credit card

I have a Verizon visa card issued by Synchrony bank. Synchrony recently notified me that it will start charging me a fee to mail me a paper statement and the only way to receive my statement at no charge is electronically. I do not have an email address to which I have regular access and I am at risk of missing my bill payments because of this. I want to continue receiving my bill in paper. How can Synchrony charge to send me a bill?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / 90 days late in XX/XX/2015 and 120 days late in XX/XX/2015. 
XXXX / 90 days late in XX/XX/2015 and 120 days late in XX/XX/2015. 
XXXXT / 90 days late in XX/XX/2015 and 120 days late in XX/XX/2015. 
XXXX / 90 days late in XX/XX/2015 and 120 days late in XX/XX/2015. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi ... 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. 

XXXX. XXXX 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 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 seven 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 that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, Capital One allowed XXXX XXXX to overdraft my personal checking account with two different transactions, one of XXXX, and a second transaction of {$130.00}. My personal checking account has no overdraft protection, meaning my account can not go under XXXX dollars, and my debit card was also locked at the time. I contacted XXXX XXXX, and the person I spoke to lied and assured my the charges were not valid, and would fall off the next day on my bank statement. On XX/XX/XXXX. I took my time to explain everything to the customer service specialist and they filed the dispute under FRAUD. 

On XX/XX/XXXX, I get an email from Capital one saying the approved the claim on {$91.00}, but denied the {$130.00} stating because the merchant had my information ... .. Yeah they would because I used the service, the problem is my bank allowed a merchant to take money from my account and make it negative while my card was locked and my account has protections to avoid that. I reopened the claim on XX/XX/XXXX, and have waited 10-15 business days for them to review my documents and investigate the audio recordings from XX/XX/XXXX, the Capital One specialist misrepresented my claim, and now I still do not have the {$130.00} that was taken from me. The investigation department is way outside of the 15 business day limit and are taking their sweet time to give me a result. But snatched my money quickly, I even have my canceled membership contract with XXXX XXXX stating the reason was unhappy with billing.