23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received XXXX American Express gift cards in XXXX of 2023, XXXX with a balance of {$10.00} and the other with a balance of {$50.00} and I can not use either XXXX online or in store. I have tried multiple merchants and websites, different amounts, and its declined every time. I tried calling the customer service number on the back of the card, but it does not offer the option to speak to a person, and the automated options are to either check your balance or report your card lost or stolen. The cards are activated ( I was able to verify that online ), but that's as far as I can get.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
XXXX XXXX : 15 U.S. Code 1681I ( a ) ( 5 ) B Reinsertion XXXX XXXX : 15 U.S.Code 1666b LATE XXXX  XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I requested access to view credit reporting disputes was sent a link but when opening link and providing requested info such as user name and password the response was inaccurate password or user name after changing password several times through the last 5 years to 10 years plus the response has always been inaccurate password even when changed within minutes. when entering my email address or user name the response is always this username is already in use. I have contacted Transunion on several occasions only to have automative system redirect me to the link that does not allow me access to the account last attempt to chat with virtual agent on XX/XX/XXXX the agent kept sending the same computer generated questions when I answer agent will resend questions again and repeat until either they state that they are now closed or I give up after several hours I spent XXXX hours on XX/XX/XXXX trying to get into Transunion account. I was also told that I must pay a fee of {$8.00} to access score and credit report by mail but automative system clearly states at the beginning of call that under federal all consumers are entitled to a free credit report and score due to XXXX after stating this Transunion locked my account for inaccurate info provided which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX complaint XXXX was submitted through CFPB for 3 inquiries from XXXX  XXXX from dates : XX/XX/XXXX, XX/XX/XXXX with Transunion and XXXX, and XX/XX/XXXX with Transunion, XXXX  and XXXX. XXXX XXXX kindly answered that was going to take them off, on the answer to CFPB. 

The Credit Agencies neglect to take the inquiries off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. 

Please act according to the answer submited to CFPB, on your previous answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and XXXX and nothing has been resolved.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hindering my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account number : XXXX
Product: Mortgage

In 2006, I refinanced my home and was sold an illegal loan in the State of Illinois ( Pick-a-Pay Loan ) with World Savings. Now owned by Wells Fargo Bank. I have already made a complaint with CFPB. Please see previous complaint # XXXX and XXXX. I am putting through a second complaint because the answer from XXXX XXXX at Wells Fargo is insufficient. Firstly, he did not look into any of the issues. He must advise me why there are XXXX applications with different incomes which were both incorrect. I can prove it by supplying proof from the IRS that I was not making that much money. Secondly, I had given him a letter from XXXX XXXX insurance and he did not even research the type of insurance that was purchased. He stated in his response that it was title insurance. The insurance policy taken was in case I defaulted on my loan. They changed my income on the application after I signed it. They then took out an insurance policy with XXXX XXXX in anticipation of my default so when the minimum payment of the loan tripled, they could put in a claim. XXXX XXXX letter indicates that there was no claim with the insurance policy. I will attach the letter sent to us by XXXX XXXX. I will also attach XXXX XXXX letter showing that no research was attempted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX De, 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 account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report and I seen some company that I do not recognize XXXX XXXX, XXXX XXXX. I have never done business with company and I demand to see any and all documentation to make sure I am not being confused with someone else. 
I would like these account blocked FCRA 605B ( 15 U.S.C. 1681c-2 ) from my credit report asap. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with accounts.
Product: Debt collection

Someone went and used my ID in order to avoid being charged for XXXX XXXX.
Product: Vehicle loan or lease

My XXXX  XXXX was taken Friday XXXX, XXXX at XXXX which i perceived at that time as stolen so i called the police to the scene of the incident. After taking my information and running it thru the system i was told that my vehicle was repossessed. It was the weekend, i instantly called my load provider jp mortgage chase. They then verified that my car was in fact repossessed, this was the first time i was notified that my account was delinquent and that why my car was repossessed. JP mortgage chase also informed me of the company ( commercial services phone number ( XXXX ) XXXX ) who is in posstion on my XXXX  XXXX. I called commercial services ( repo company ) and they informed me what was needed to be done to retrieve my vehicle. I then called chase auto to correct the problem i spoke to multiple different associates XXXX  ( unique id  XXXX ) ( XXXX id # XXXX ) and XXXX ( XXXX ) XXXX XXXX the supervisor of my case, she told me that multiple attempts were made to reach out however no contact was made to me and I never received any correspondence. XXXX also told me i would have to pay the loan in full total XXXX in order to retrieve the car from the repo company. I Also call chase to rectify why the payment weren't going threw, and was told that the payments were indeed going to the payee listed. This information was given repeatedly XX/XX/XXXX XXXX regarding the payments being sent out. On XX/XX/2020 I was advise by XXXX a chase represtentive to cancel all recurring payments at this time due to the ongoing issue.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I am submitting this claim myself and no third party is involved. 

I, XXXX XXXX, natural person, and creditor of an open ended credit plan was denied my right of credit by CAPITAL ONE. ( name of corporation according to the logo attached to the transgression. See attachment. ) I was notified of this transgression of my rights, specifically 15 USC 1601- T.I.L.A, by CAPITAL ONE on XX/XX/2022 via interstate commerce. 
According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONEs adverse action taken against me resulting in no benefit to me, the consumer from the credit transaction. 
CAPITAL ONE adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to 5000.00. CAPITAL ONE is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX   - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

WAYPOINT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The FERPA protects the confidentiality of student records, which was not upheld. I'm kindly requesting for my Federal Student Loan debts to be cancelled in full.
Product: Credit card

I rented a car from XXXX XXXXXXXX XXXX XXXX They charge me XXXX dollar deposit. They did not give back my deposit. I made several calls to XXXX and spoke to XXXX ( XXXX ) XXXX, who filed a dispute and said a manager would call me back. I never received the call. I called back and could not speak to a XXXX. 

After not getting anywhere I filed a claim with Capital one. they did not call me or get back to me. I have documentation that clearly shows I paid the deposit. no one called me for the proof. I did not get anywhere with them when XXXX has protections for this. 

I will attach the receipt which clearly shows the deposit and charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries on my report are not authorized by me, In Accordance with the FCRA section 611 this companies violated my consumer right, I have attached a copy of FCT report. Please kindly remove inquiries. 

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: Debt collection

Capital One Bank Attn : Credit Dispute Department [ Capital One Correspondence Address ] Subject : Formal Request for Deletion of Paid and Closed Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute and request the removal of the paid and closed account ending in XXXX from my credit report. This account has been fully satisfied, and I am seeking its deletion under the Fair Credit Reporting Act ( FCRA ) as a goodwill request. 

XXXX. Paid and Closed Request for Deletion The above-referenced account has been paid in full and closed, and I am requesting that Capital One remove it from my credit report with all credit bureaus ( XXXX, XXXX, and XXXX ) XXXX Since the account no longer holds any financial obligation, I ask that it be deleted as a courtesy adjustment. 

2. Goodwill Adjustment Consideration While I understand that accurate credit reporting is essential, many financial institutions honor goodwill deletions for accounts that have been paid and closed. As a consumer working to improve my financial profile, I respectfully ask Capital One to consider removing this account as a goodwill gesture. 

XXXX. No Legal Obligation to Report Closed Accounts Under the FCRA, creditors are not required to report closed accounts indefinitely. Since this account is no longer active or delinquent, I am requesting its complete removal to ensure my credit report reflects my current financial responsibility. 

XXXX. Request for Written Confirmation Please provide written confirmation that this account has been removed or an explanation of the actions taken regarding my request. I expect a response within 30 days of receipt of this letter. 

If my request is not granted, please provide a detailed explanation so I may explore further options, including filing disputes with the credit bureaus or submitting a complaint to the FCC Federal Communications Commission Thank you for your time and consideration. I appreciate your assistance in resolving this matter.
Product: Credit card

I am a cardholder of a Lexus Pursuits Visa credit card issued by Comenity Capital Bank and I was offered a rewards points promotion to earn XXXX points per XXXX dollar spent on restaurant/dining purchases up to XXXX bonus points valid from XXXX XXXX XX/XX/year>. I activated the offer when I received the notification back in XX/XX/year>. I received a confirmation that I activated the offer. I did not earn the bonus points I was promised. I have made several attempts to get this resolved by contacting the company multiple times. I even went to the company 's secure message center and uploaded screenshots of the offer along with the confirmation I received that I activated the offer. Every time I call the company, I am getting the runaround. I am promised callbacks which I never receive. At one point, a representative calculated the amount of bonus points I should have received and told me she was sending it to her supervisor to get approved. I was told the last time I called and spoke to a supervisor that she could see the notes on my account, and she emailed the representative working on my bonus points to contact me, and I have yet to receive a callback. After several attempts to get this resolved, I would like the CFPB to get involved to help me resolve this matter. This is not the first time I have had this experience when activating a promotional bonus points offer with this company. I feel they are being deceptive and unfair by offering their customers a rewards points bonus offer, getting them to sign up, and never delivering on their offer. If this is happening to me, I'm sure other customers are having the same experience.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I recieved a email from paypal saying my account was permanently limited and i had a ticket filed and was told to check my email for judgement. 

I have a current balance of {$300.00} they are holding today XX/XX/2021 they told me they arent releasing the limitation and they are sending me a second email on XX/XX/2021 to withdraw my funds I called their offices XXXX XXXX, XXXX, XXXX, and XXXX to check on the status of my ticket.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

There's are inquiries on my credit report that I don't recognize, I did not authorize this nor given consent to these companies to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), NAVY FEDERAL CREDIT UNION is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of NAVY FEDERAL CREDIT UNION with whom I have a direct relationship. They are separate entities from NAVY FEDERAL CREDIT UNION that provides my financial information. They ARE NOT jointly employed by NAVY FEDERAL CREDIT UNION with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that NAVY FEDERAL CREDIT UNION complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time.

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically.

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship.

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7.

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request.

I emphasize that any opt-out clauses established by NAVY FEDERAL CREDIT UNION do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of NAVY FEDERAL CREDIT UNION internal policies, the rights granted by federal laws take precedence.

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.