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

My fiance and I decided to jointly open a credit card account. We knew we had big expenses coming up due to an upcoming wedding and figured it'd be a great time to jointly open a new card. 

Our research showed that the Venture card came highly rated from various personal finance blogs we love, including XXXX XXXX XXXX, XXXXt, XXXX, and XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, we applied for and were approved for the Capital One Venture Card. Various articles and Capital One marketing materials we referred to at the time, indicated that we'd be eligible for XXXX bonus miles once we spend {$3000.00} on purchases within the first 3 months. We ended up spending a little over {$4300.00} during the first 3 months. 

However, we recently noticed that we had never received the bonus miles. Upon contacting Capital One and going back to the fine print in the registration email, we realized that the deal we actually signed up for required us to spend {$5000.00} within the first 3 months, a number we just don't recall seeing on any marketing materials. We went on XXXX XXXX to verify what the rewards bonus was at the time we signed up but could only see a placeholder macro { { ESB_AMOUNT } } in place of a specific spending minimum. 

This only strengthens our suspicion that Capital One frequently changes eligible minimum spending and leaves consumers confused on the deal they had signed up for. For your reference, the minimum eligible spending as of today ( XX/XX/XXXX ) is now somehow back to {$3000.00}. 

We spoke to two different Capital One customer agents ( XXXX and XXXX ) over the phone, who were very firm in denying our claim. Not getting our bonus miles isn't the end of the world, of course. But something just doesn't sit right. If we were gullible enough, there may be other readers who may have fallen into a similar trap. Furthermore, we wonder if other credit card companies also employ similar misleading tactics to lure in consumers. At best, they'd be left feeling short-changed like us ; at worst, they would be in debt they incurred to meet the minimum spending, without the bonus rewards to offset the cost. 

I'd be happy to share more information as the investigation requires. Thank you so much for considering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Experian three times to remove a collections account that was never supposed to be added to my credit report to no avail. The reporting agency stopped reporting this back in XXXX of 2019, but experian is still posting this on my credit report.
Product: Mortgage

I have tried several times for a loan modification and have I have been denied. I received a letter from the Executive Office XXXX XXXX XXXX XXXX OH on XX/XX/18. The letter was dated XX/XX/18. In the letter they advised that they need more time for the loan modification because they received more information that they need to review and for me to call right away and they can let me know what new information is needed. Soon as I received the letter I called and left several messages to the person who I needed to contact XXXX XXXX and to this date I still have not received a return phone call. I am trying to save my home. I have been reaching out for help but nobody seems to want to help me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$900.00}
Product: Credit reporting or other personal consumer reports

My information was exposed on the dark web I'm a victim of the data breach. Please have these inaccurate accounts deleted from my credit report
Product: Checking or savings account

I received two emails today about a new account opened in my name. When I called as instructed by the email if I did not open the account, I was given the run around by XXXX  that were hard to understand telling me they couldnt help me if I didnt provide me name and last four digits of my social. I refused. Without that, they refused to help me to find out what account was opened or to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH EQUIFAX AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, EQUIFAX AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Checking or savings account

XX/XX/XXXX I opened a checking account online. I was sent an email that said the account was approved and I could fund the account. XX/XX/XXXX I transferred {$500.00}. That money was accepted. The next day my account was suspended. I have called over 5 times and am told it will take 3-5 days. That was over 3 weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XXXX XXXX after checking the consumer report I noticed Chrysler Capital are reporting information without the prior written consent of the consumer which is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are reportings of an inaccurate balance on XXXX  accounts that have been closed and charged off since XXXX of 2019 and XXXX of 2019. Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these XXXX accounts are inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).
Product: Checking or savings account

On XX/XX/2022 obtained services/product from a person/company. paid thru Bank of America ( XXXX XXXX never received products or service. company/person are two different entitys. later looked up she has several fraudulent names and companies. she is a fraud and bank of america XXXX XXXX  ) refuses to refund my money. I am not working due to COVID
Product: Credit card

XX/XX/XXXX I had a XXXX and was not able to work. I contacted Sears - CBNA to let them know I was going to be late. At that time I was forwarded to a department who asked how much I could pay each month and if we went into a payment plan and I paid it monthly we would be able to maintain the plan. I made each payment on time with auto withdrawals and completely paid the debt off XX/XX/XXXX. At that time my credit report showed paid as agreed never late. Once the balance was completely paid CBNA / Sears notated my account was late 11 times in a row of 60 days and 9 times in a row of 30 days late. When I disputed they said even though I paid on time and paid what they sent me bills for monthly it was still not enough and that is why it showed 60 days late. I paid every bill they sent on time until there was a XXXX balance. I paid the balance off early.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX FRAUD ACCOUNT OPEN IS XX/XX/year>
Product: Credit reporting or other personal consumer reports

After a possible identity theft, I attempted to contact Experian to freeze my credit account. When I requested a freeze online, a screen was displayed that asked for my phone number and the last four digits of my Social Security number, which I entered. A text was sent with a link for my to proceed, but I don't have a smart phone and wasn't able to proceed. 

Then I tried to call ( XXXX ), but there was no option on their phone menu for resolving this problem, and I couldn't get transferred to a person. 

The result is that Experian is not providing me any way to freeze my credit account. This is intolerable.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Dear XXXX, Re : Cease and Desist Request Regarding Credit issue I am writing to formally request that you cease and desist from reporting to my credit with false information. It has come to my attention that you are reporting to my credit about a loan that was charged off I assert that this conduct is a violation of rights, and I request that you immediately cease the described actions. Failure to comply with this request may result in legal action, including but not limited suing for statutory damages. 

I would appreciate it if you could acknowledge receipt of this letter and confirm that the offending activity will cease immediately. Please respond to me no later than XX/XX/2025. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX dealership located in XXXX, Georgia, specifically regarding a XXXXXXXX XXXX  XXXX XXXX. Initially, I intended to finance the vehicle through my own financial institution. However, I discovered that there were multiple unauthorized hard inquiries on my credit report attributed to XXXX XXXX XXXX XXXX, Georgia. I had already arranged my financing through my XXXX, XXXX. I listed the following inquiries below. 

Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was looking at my credit report and I noticed a late payment From Sheffield financial. I contacted them I tried to resolve to no avail. Upon my research, in accordance with the Fair Credit Reporting Act the creditor has violated my rights under 15USC1681 Section 602. States that I have the right to privacy. 15USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on an account under an open and consumer credit report plan as late for any purpose.
Product: Checking or savings account

Mid XX/XX/2021, I was transferring funds to an external bank account. I received a call to verify the transaction and I confirmed that I made the transaction and was told it would process the next business day. My account was immediately locked for potential Fraud and has been for more than 2 weeks. I call daily to check on the status of my account, it is still locked and customer service tells me that there is nothing I can do because the fraud department is unreachable. Without access to my money I can not pay bills or buy food.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed a copy of my Transunion credit report and found the following information to be an error. You are reporting inaccurate information about accounts reporting to my credit file.
Product: Debt collection

I purchased a American Eskimo from a pet store in XXXX at the very start of what would become the COVID pandemic and was told that I could get a loan with no interest on the dog. I was guided through the application and signing at the desk with a staff member who did not show me any paperwork, said everything to me word of mouth and instructed me to sign documents that were not viewable until after everything was done. They completely lied about how the entire operation worked. My plan was to get the puppy and then use my tax return to pay off the sale amount around a month later. When I called Credova to pay off the dog they told me that I had to pay well over XXXX dollars with a XXXX sale price. I tried to return the dog because I couldnt afford it but they told me that I will still be responsible for the entire amount and that I was leasing the animal. I HAD NO IDEA this was never shown to me or instructed until after my paperwork was sent after the sale was done. 

Fast forward until now, Leasing animals in Virginia is illegal ( i was not aware ) they have sold my account to collections, XXXX XXXX for a amount owed of XXXX. This is absolutely frivolous and new to me against the law. The contract I viewed clearly states I am leasing which is clearly illegal. I am terrified this will go on my credit or I will continue to be harassed with letters after I told them I was taken advantage of at the store and could not afford that amount.
Product: Debt collection

I disputed XXXX XXXX XXXX account ref # XXXX last XX/XX/2018. More than 30 days have passed and still the account is still on my credit report and found several other violations of both FDCPA and FCRA. I have attached a separate document showing what I have found on my credit report, proves that no proper investigation was conducted Violations such as reporting inaccurate/incorrect dates, misleading/incorrect information, reaging etc. They were given more than 30 days to fix the issue and nothing have been done. This is my last resort before I get a legal counsel involve.
Product: Debt collection

I have a charge on my credit fro m Southw  est Credit i n the amount of  XXXX . They said that it is from an alarm company which we had but when I asked what the charges are for they ca n't explain that to me. I asked them to remove the charges if they ca n't explain what the charges are for and they said they would not.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, XXXX, Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , VA XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , UT XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX This account states that I was 30 days late, however, I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , MI XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


XXXX  XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted a dispute with Experian for an account that is too old to remain on my credit report -- XXXX XXXX XXXX XXXX that starts with XXXX. The account had already been removed from my other two credit reports due to age. On XX/XX/XXXX, I received an update to the investigation. Experian made no changes and refreshed the date on the account to XX/XX/2019, thereby making the account brand new again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Date of Birth : XX/XX/year> ( P, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX under the account number XXXX, XXXX opened on XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX under the account number XXXX, XXXX XXXX XXXX XXXX  under the account number XXXX, XXXX opened XXXX under account number XXXX, XXXX XXXX XXXX under the account number XXXX, XXXX opened on XXXX, XXXX XXXX XXXX XXXX on XXXX under the account number XXXX, XXXX XXXX XXXX XXXX  under the account number XXXX, XXXX opened XXXX under account number XXXX, These accounts have resulted in several fraudulent hard 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 in my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All 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 & XXXX as proof from the XXXX 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

I requested for proof of debt validation and was not given any type of proof of debt validation yet the dispute came back " valid ''. I want reported account removed. 

THE DISPUTE File Identification Number : 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 MY CREDIT REPORT IS NOT SHOWING THE ENTIRE ACCOUNT NUMBERS
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Report number XXXX, XXXX XXXX, 2016 Name IDs : XXXX, XXXX, XXXX My Experian Credit Reports not only an incorrect report of unpaid fees from a collection agency, XXXX XXXX XXXX XXXX, for a company named XXXX XXXX XXXX XXXX XXXX, but repeats this as over a half dozen unpaid fees. All of these fees had been paid at the time of service, as was strictly required and payment enforced before service performed, but due to the service provider 's sloppy record keeping, the business did not properly record the payments, while it 's fastidious policy of requiring payment on the spot insured non-payment would not happen. I am not only upset at their erroneous reporting, but their maliciously reporting their claim multiple times as if they were a multitude of credit incidents making their damage to my credit as though a multitude of creditors for their small ( approx. {$20.00} ), individual payment required at the time of each service. 

I refer specifically to their repetitive entries on my credit report : Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Not only are these maliciously reported multiply repeatedly to accumulate undue overstating and degrading of my credit, each and everyone are false reports of already paid fees which are improperly being claimed!
Product: Payday loan, title loan, personal loan, or advance loan

I spoke to XXXX and was told the garnishment would be reversed and I should see the funds in my account today. That was XX/XX/year> I was given a XXXX per month payment plan to begin XX/XX/XXXX. called bank and was told that they never received any cancellation I called back and was told by manager XXXX that I could not discuss my account with him. I called XXXX who told me to speak to XXXX. XXXX explained today that she doesnt know who I spoke with and she never told me the funds would be available. I explained to her something that important that is for rent after I have been sick, I believe I would listen carefully to the details. XXXX was very cordial and reassuring when I spoke to her and made arrangements. Now today I am being gaslit and told she called and didnt get answer, when I am pending eviction. I believed her when she stated the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX ( XXXX ) recent 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/XXXX ; that were not authorized by me or permissible in accordance with the Fair Credit Reporting Act, Section 604. Despite my attempts to resolve this matter via telephone, I was unable to get assistance.