23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did research on XXXX XXXX XXXX and I found that Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a XXXX bond on file with the XXXX   of State of Texas. As of XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) bond status for the State of Texas shows Canceled Close. This indicates that they are not legally allowed to attempt to collect any debts in the State of Texas. XXXX XXXX XXXX, XXXX ( XXXX ) is the company reporting on my credit file for the amount of ( {$920.00} ). I reached out to the company via certified mail multiple about the debt not belonging to me and also that that they are not legally allowed to report in the state of Texas. I have filed a fraud complaint with the Attorney General of Texas, after a follow up call with the XXXX of State of Texas.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX for violating Regulation P of the Code of Federal Regulations ( CFR ) by unlawfully disclosing my private financial information to third parties after I submitted a notice of my intent to opt out. Regulation P requires financial institutions to provide consumers with the right to opt out of certain disclosures of their nonpublic personal information to nonaffiliated third parties. Upon receiving an opt-out request, the company must honor the request and cease sharing the consumers private financial data with nonaffiliated third parties unless otherwise permitted by law. 

I submitted my opt-out notice to XXXX XXXX XXXX XXXX clearly stating that I did not consent to the sharing of my financial information. Despite this, my private financial data was reported to Experian, Equifax, and TransUnion, all of which are nonaffiliated third parties as defined by Regulation XXXX XXXX nonaffiliated third party is any entity that is not part of the financial institution 's corporate structure. Credit reporting agencies like Experian, Equifax, and TransUnion are separate entities and are not affiliated with XXXX XXXX XXXX. Therefore, sharing my information with them after I opted out is a clear violation of the regulation. 

Regulation P requires that once a financial institution receives an opt-out notice, it must implement policies and procedures to ensure that the consumers private financial information is not disclosed to nonaffiliated third parties. By continuing to report my information despite my explicit opt-out request, XXXX XXXX XXXX failed to comply with these legal obligations.

In addition to my original opt-out request, I am reiterating my opt-out notice as part of this complaint. I do not consent to the sharing of my private financial information with any nonaffiliated third parties, including but not limited to Experian, Equifax, and TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a incorrect item on my credit report with Equifax, XXXX and XXXX and EQUIFAX now has blocked me from seeing my credit report. And has failed to respond to no less than SIX letters regarding my disputes. Now I ca n't even see my Equifax report NOR can I see if they deleted the incorrect item on my report. Why is Equifax that only bureaus that XXXX with consumers credit reports when they dispute an item by blocking them from seeing their reports and THEN adding insult to injury not responding to any further letters??????? INVESTIGATE THEM!!!!! This is outrageous!
Product: Credit card

I purchased a hotel from XXXX  on XX/XX/year> for two nights in XXXX XXXX  XXXX inever stayed at the hotel. i call XXXX they say they wont refund. so i call hotel, they say they will refund, and send the funds back to XXXX. i call XXXX and they will not release the funds. my bank robinhood would not investigate the dispute i placed. when i clearly told them what was going on. robhinhood did not refund me the money. XXXX has my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  NA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statements and payment confirmation receipts. 
There may have been a clerical error in reporting the payment due to inconsistencies between my payment records and the reported information.

I have confirmed with my creditor that the payment was processed within the allowed grace period.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

There is a discrepancy in the reporting of a late payment for this account for XXXX of 2020. I contacted Capital one to discuss the inaccuracy but it is still reporting as a negative on my credit report. This inaccurate information is in violation of FCRA and to me as a consumer. There is no proof that I was late. Attached is a screenshot of the account from my credit report which shows the inaccurate information.
Product: Credit reporting or other personal consumer reports

I want to file a formal complaint against TransUnion for violating my right. I have challenged the validity of the reported public records ( XXXX XXXX 's ) they not accurate and does not belong to me. I sent documents of proof several times, each time they said it was verified as accurate, but said they could not disclose their method of verification. They are demaming my character and my financial situation and can not provide me with the source of their information. That is illegal. My next step is to file a federal lawsuit against TransUnion. This will be my 5th time requesting that they remove this information from my public records
Product: Debt collection

Third party debt collector calling my employer repeatedly, has been told not to call again, but continues to call. Also made idle threats to sue me over a small amount that would only go to small claims, directly to me.
Product: Debt collection

Received a letter from a debt collector ( Management Services XXXX ) regarding an account with XXXX XXXX XXXX XXXX NCB Management Services purchased this account. Letter states as of XXXX XXXX, 2021 I owed XXXX. 
Never dealt with either company. The XXXX & phone number used to obtain the account is not mine ( or anyone I know ). I have filed a fraud report with local PD ( Incident # XXXX. 
The debt is NOT MINE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove this Fraudulent account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed with the attorney generals office. 

1. remove the XXXX XXXX XXXX account as this was previously investigated and removed. If you Equifax determined this account to be fraudulenty added to my report why is it now back on the report. This is a violation and illegal attempt to cause harm. I demand monetary compensation of {$1000.00} for each violation. 

Equifax has neglected to respond within a timely manner to provide verification on this account. Please remove this XXXX XXXX XXXX ( fraud ) account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to   XXXX   XXXX  ,  XXXX  and Experian.   XXXX    and Experian put an initial fraud alert on my credit report without my permission, against my will, and without my knowledge. My dispute letters did not indicate any type of fraud ; this action was done by   XXXX    and Experian unsolicited. I called   XXXX   but was hung up on/disconnected six different times.I tried to call Experian but can not reach a human being. I need the fraud alert that I did not request to be removed from my   XXXX   and Experian credit reports. I believe this may be the reporting agencys ' new tactic to avoid handling disputes from consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I discovered it when I tried to make a credit karma account in XX/XX/XXXX. It pulled up an error and it said there was already an account with my social security number. The email that it was associated with was my fathers email ( XXXX ). I then made an XXXX account. Once I was able to look at the XXXX account I found there was XXXX credit cards opened in my name without my consent or knowledge of them being opened. XXXX account was opened on XX/XX/XXXX. XXXX XXXX Bank XXXX was opened on XX/XX/XXXX. XXXX XXXX Bank was opened XX/XX/XXXX. XXXX XXXX XXXX/Capital One Bank XXXX was opened XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  was opened on XX/XX/XXXX. All of these were discovered when I opened my XXXX account in XX/XX/XXXX. Prior to opening my XXXX account, I had no knowledge of these credit card accounts. For the Capital One bank card and the XXXX XXXX XXXX  card, my father gave me those cards in XX/XX/XXXX. He led me to believe he was the main card holder on the accounts and that I was just an authorized user on them. I now know that is not the case based on my credit report. I then asked my father XXXX XXXX if he knew about these accounts and he admitted to me around XX/XX/XXXX that he was the one who opened the accounts in my name. I filed a dispute on XXXX for all of these credit card companies but since all my information was used they all sent documentation back to me saying I was the one who opened the accounts and that they were valid. I then received documentation from the credit bureaus about the applications and the information that was used on the applications. One of the files I uploaded below that says " Elastic Line of Credit Application '' has all my dads information on it. Under contact information is all his information that is my fathers email and phone number. Under Financial Information my father had put I worked for his company " XXXX XXXX XXXXXXXX '' as an Inspector which is in XXXX XXXX, LA. I never worked for my fathers company nor did I have any job at the time. The job says I was an inspector and that my hire date was XX/XX/XXXX I had just graduated high school mid XXXX of XXXX. I looked up the requirements to be an inspector in Louisiana they are as followed : You must complete a minimum of 90 hours of Education with an XXXX approved education provider, then you must pass a NHIE exam and also complete 30 hours of pre licensing platform training as well as 10 live inspections with an approved in field trainer. If I graduated from High School in mid XX/XX/XXXX how is it it possible I completed this all by XX/XX/XXXX?? I also do not have W2 's from that year because as I have stated I did not have a job until I attended XXXX XXXX XXXX in XXXX Texas and had an XXXX XXXX XXXX  in XXXX. I now have 2 collections account associated with my social security number. The account are XXXX XXXX XXXX/Capital One Bank XXXX with a balance of {$490.00}. XXXX XXXX XXXX XXXX  XXXX CO with a balance of {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was trying to log into my account for days and it wasnt letting me in. It didnt give me a error message or notify me of anything. I tried calling customer service and they refused to help. They asked me to verify where I opened my account. I opened my account almost 20 years ago. They also asked me to verify the most recent transaction... If I cant get into my account for days how can I know what the most recent transaction is????? In the end they refused to help me. After hours on the phone I finally got someone to tell me that my account was locked and I needed to go to a branch with a statement from another bank to unlock my account. Problem is I was out of state and there were no branches near me. This is absolutely unacceptable. I have accounts with 3 other banks and I have never had to do anything remotely close to this to unlock my online access. This is a ridiculous process and it all could have been avoided with a phone call. Needless to say as soon as I unlock my account I will withdraw all my money and close it after 20 years as a customer. I guess this is how I get treated for being a longtime customer.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Capital One for its abusive and unjust credit reporting practices, which have caused significant financial harm to me and potentially many other consumers. Given the severe economic challenges we are currently facing, such practices further burden responsible consumers and exacerbate financial instability.

Case Details : While traveling abroad, I inadvertently missed a {$19.00} annual fee payment on my Capital One credit card ending XXXX. At no point did Capital One notify me of this outstanding balance or send a payment reminder. I have a longstanding history of timely and responsible credit management with Capital One, with no prior delinquencies. 

Upon returning to the United States and reviewing my accounts, I immediately rectified the issue and paid a total of {$77.00} ( which included any accrued fees ). However, despite my prompt resolution, Capital One has failed to update the credit bureaus to reflect the cleared balance, continuing to negatively impact my credit score.

Unfair Credit Reporting and Consumer Harm : 1. Immediate Negative Reporting, Delayed Positive Updates While Capital One instantaneously reports any charges made, they do not report balance payments with the same urgency, leaving accounts in an artificially negative state for an extended period. 
This practice is deceptive and unjust, as it disproportionately harms consumers by failing to reflect their true financial standing.

2. Severe and Disproportionate Credit Score Drop Due to this single, minor delay of {$19.00}, my credit score dropped by XXXX points, jeopardizing a critical real estate transaction just three days before closing.

The rigid and punitive nature of this reporting system creates undue financial hardship and prevents consumers from accessing essential credit opportunities.

3. Unprofessional and Abusive Customer Service When I contacted Capital One to address the situation, I was met with dismissiveness and a lack of accountability.

I was informed that Capital Ones reporting is automatic and irreversible, yet they have the ability to instantly notify credit bureaus of spending activity but not balance paymentsa glaring inconsistency that serves only to exploit consumers. 
4. Retaliatory Credit Limit Reduction Shockingly, one day after I contacted Capital One seeking assistance, they reduced the credit limit on another one of my accounts ( ending in XXXX ), further worsening my credit utilization ratio and causing additional damage to my credit score.

This retaliatory action directly contradicts fair consumer treatment and further underscores Capital Ones predatory behavior.
Product: Credit card or prepaid card

Received an email at the beginning of XXXX stating that if I pay the amount due of {$110.00} by XX/XX/XXXX that I would receive a {$75.00} statement credit. I paid the amount ( plus {$10.00} extra ) by the XXXX of XXXX and it was split in to XXXX payments. I called today, XX/XX/, asking about the credit. At first she said that I didnt qualify because it had to be XXXX payment and not split in to XXXX. I told her the email never specified that and it just said to pay {$110.00} by XX/XX/XXXX. She looked in to it and came back and said that I actually didnt qualify because I made the final payment on XX/XX/XXXX, but it didnt post that day. I told her I have a statement that proves otherwise. She told me that theres no way my statement says that because its not true. She told me I didnt qualify and theres nothing she can do about it. I do qualify because I made the payment as required and it was posted in time. This is fraudulent practices.
Product: Credit card or prepaid card

Hello, I was recently on an XXXX XXXX flight back from XXXX ( DC ) to XXXX ( XXXX ) on XX/XX/XXXX. I was presented with a promotional offer for an XXXX XXXX XXXX XXXX XXXX card. The flight attendant first mentioned the promotional terms verbally ; she listed off all the advantages, one of which was an introductory 0 % APR for 12 months. They they handed out promotional flyers with those terms on them as well, the introductory 0 % APR for 12 months was also included on this too. 

So, I filled out the form and applied for the card. Once approved, I then immediately called in to set up the recurring payments and confirm by bonus miles ( I am not sure of the exact date but it was a few weeks after my flight, it was the date that I set up auto draft so should be easy to locate ). The agent set up the recurring payments, confirmed my bonus miles usage and even confirmed that my intro APR was not just 12 months but 18 instead! I was very happy with that. However, it was not until my recent statement that I saw an interest charge ... .so I called in ( today XX/XX/XXXX ) and the agent told me I only had a 15 month into APR of 0 % but ONLY for balance transfers, not purchases. This was not specified on the promotional material at all or even with the agent I spoke to later when setting up my recurring payments. 

I felt that I was mislead intentionally to take out this card. This is a ver unfair and deceptive practice and XXXX & XXXX should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Account Number : XXXX Please remove it from my credit report. 

8. Identity Theft Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.