23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had an exon/mobile gas card since XXXX. I have never missed a single payment. 
In XXXX of XXXX I asked exxon mobile if they could raise the credit limit on my exxon mobile gas card. They said no. 
In XXXX of XXXX they sent me a new " smart card '' ( expires XXXX ) and my old card stopped working. 
Today, ( XXXX XXXX XXXX ), I tried to buy gas with my mew smart card and it was declined. I called exxon mobile and they told me it was cancelled because of inactivity and that I would now have to apply for a new card. 
I was given zero notice of this until I was sitting at a gas station unable to buy gas. 
by lowering my available credit this hurts my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Experian protection membership, i got my credit report that had some errors and incorrect information, one of the errors was wrong apt number ( it had this address twice, one had the correct apt number and the other was wrong ), it took 3 times to file a depute till finally they fixed it. It had another mistake, it had my name, same name ( first and last ) three times, in one of the times it had my last name missing last letter, i called and spoke with the lady she said its not a problem and they going to add the missing letter, when the result of the depute was ready, i log in to my account to find out that my social security was changes, now it had wrong social security, one number was wrong, when i spoke with the person from experian i never mention that my ss wrong, i called them again and the person said that they going to fix it, they send email stating that my result ready, i checked my account again and now its missing my social security entirely, the other two credit Bureaus have everything correct, its very hard to get a hold of them and i have to wait for almost an hour to actually talk to a person, at this point i would like to file a complaint against experian for deleting my social security wile that number was correct, inserting wrong ss, deleting the wrong one and instead of fixing it they just left my file without any social security in it.
Product: Credit reporting or other personal consumer reports

For the month of XXXX XXXX XXXX XXXXXXXX  reported a delinquency for my mortgage account for that month. Their own internal statement of my account, provided at a XXXXXXXX XXXX branch, even shows an incorrect actual payment of just {$2000.00}. for a scheduled payment of {$2100.00}. I have proof that I paid more than the scheduled payment for that month, albeit in three different payments, the XXXX  on XX/XX/XXXX for {$2000.00}, the second for {$92.00}, and the third for {$100.00}, totaling {$2200.00}. At all times, bank personnel assured me that these payments would be applied to my mortgage payment due for the month of XXXX. Instead, I ended up with a delinquency on my credit report, that has not only hurt my credit, but also prevented me from securing a different mortgage loan to buy a new home for myself. XXXX has refused to remove their negative reports and still claims the information is correct. I would like for XXXX to correct my actual total payment made for XXXX, and remove the negative report from my credit reports with all three bureaus since I paid more than the scheduled payment for that month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with XXXX XXXX because I was treated unfairly for buying a car that was literally in the junkyard within a month after buying it. The dealership refused to give me another vehicle. 
The XXXX XXXX XXXX XXXX XXXX XXXX refused to repossess a junk car. I tried to take the XXXX XXXX to court and they refused the summons. 
Everything in life is not about money. The human factor of being deceived in the sale, and the expectation that I should pay for a junked car is unacceptable. 
In America, when you buy something that's broken, you take it back to the seller and get your money back, or have the item replaced. 
This is a Punitive action against me, solely for the purpose of ruining my life. When money means more than honesty, the ethics involved are lacking. That is called greed.
Product: Debt collection

NATIONAL CREDIT SYSTEM Original creditor : XXXX  XXXX XXXX Balance details XXXX XXXX  paid off Balance {$8600.00} Balance updated XX/XX/2023 Original balance {$8600.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$8600.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Payment summary
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT HAS BEEN INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS. 

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY.

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : XXXX. DELETION OF THE ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX  and Experian is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Product: Vehicle loan or lease

I had to put a down payment of {$9700.00} XXXX asked about insurance I was told I could not get it. As a living breathing human in the United States Of America I have rights and there are laws and codes put into to make sure my amendment rights arent violated. One is the pursuit of happiness. I ask for a copy of my contract with Capital one Auto Finance the contract I received has that the sell XXXX XXXX of XXXX, XXXX assigned its interest in the contract to CAPITAL ONE AUTO FINANCE. Everything was not disclosed to me or my co-buyer. I owe XXXX Im charged {$15.00} in late fees the day before and on the last day of my 10 day grace period XXXX XXXX {$560.00} was paid to the internet when my internet rate is 17.99 % XXXX was paid to the principal I missed XXXX XXXX {$580.00} was paid on interest XXXX {$130.00} was paid on interest XXXX {$440.00} was paid on principal. They never emailed me or verbally contacted my co-buyer or myself to let us no we have the right to rescind on my contract. Was told no law provides a cool off of cancellation period for this sale. That was a lie. The only signatures on my contract is me my co-buyer an XXXX XXXX of XXXX, XXXX 15USC 1605,1605 ( B ) 15USC 1692F ( 6 ), C ( c ), H 15USC1681a ( 2 ) ( B ), B ( 2 ) s2 ( a ) ( 1 ) ( a ) 5USC522a This fraud and has damaged my credit and put me in bad place financially.
Product: Money transfer, virtual currency, or money service

I had made three XXXX payments to a jewelry in the total of {$4000.00} for a custom made pendant which was initially supposed to take a week and is now going into over a month I havent been able to contact him for XXXX weeks now regarding update on my order since he has been unreachable a lot of stories of his fraudulent pass and current activities has been shared over social media by other victims of his scam he had even reached out threatening the victim to remove his identity from the social media post or no money or item would be returned to her which means he has been seeing all of his victims including me trying to contact him whiles he is quoted riding around drinking with our funds I had reported the matter to truist in which my claim was denied when I feel a chargeback should be made and my funds returned to my account. Truist has since issued a partial refund of {$1200.00} but denied my claim to have it reviewed again for a full refund
Product: Debt collection

Contract Callers ( A Georgia-based collections agency ) has been attempting to collect a debt of {$71.00} from me for over 6 Months now. They claim the debt was from XXXX XXXX XXXX, an electric utility, for an electricity bill from my account with XXXX XXXX XXXX. I have contacted XXXX XXXX, and paid the ammount XXXX times at this point. XXXX XXXX XXXX are recording a balance of XXXX on the account. I have explained this to Contract Callers multiple times, they have insisted I pay them, and they refuse to contact XXXX XXXX XXXX, to verify the payment has been made. They insist I send them the information by FAX ( nobody has a fax machine any more, people also stopped using Carrier Pidgon a while ago, and Contract callers refuses to use eMail ). They have thretend to file a record on my credit report ( even though there has never been any " Credit '', this is a utility bill ). When I contacted Contract callers, they also refused to tell me who their Government Regulator was, so I am unclear who to contact, to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update this account ASAP.
Product: Checking or savings account

My social security was in the black market and bank account was opened in Chase under my name without my permision, I called to speak with a fraud department and they just told me they will cancel my account and never send me a letter stating that the account was closed.
Product: Credit card

On XX/XX/23, I applied & was approved for the capital one XXXX XXXX  because the terms stated that I would be able to use a balance transfer offer at a 0 % rate for 15 months, with a 3 % fee. Upon approval, I navigated to the balance transfer page and a message popped up saying that there were no offers on the account. This is false advertisement and deceptive because the only reason I applied for the card was because the terms and disclosures stated I would get the 15 month offer ( as mentioned above ). 

After calling customer service and waiting on hold for XXXX minutes and then being transferred, I was informed that offers may take up to 10 days to show on the account. The agent could not promise the offer would appear on the account though, which would be a violation of the terms that stated I would be getting an offer. There is nowhere in the terms that states it can take up to 10 days to appear nor that new accounts may not be eligible for the offer. 

At a minimum, I am expecting to be given the terms of the card that I applied for and was approved for, with the balance transfer offer. 

Additionally, the terms should be updated if there are additional eligibility rules, outside of being approved for the card AND update the terms to state that it can take up to 10 days to show on the account for use. Many other competitors allow you to submit the balance transfer during the application process, so at a minimum the terms and conditions need to reflect what CapitalOne is actually doing when the customer applies for and is approved for their card ( s ).
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXXXX/XX/XXXXAccount Number : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Mortgage

Shellpoint force placed insurance in XXXX that was inappropriate due to i already had insurance. I paid my insurance until XXXX of XXXX. Shellpoint paid the forced insurance out if my escrow accout of more than {$2200.00}. They have yet to refund my escrow account of that {$2200.00} since my insurance was already paid? I have attached all the correspondents, documentation and the times that I have sent to them my homeowners insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting inaccurate information for close to two years. After disputing 2 years of payment history with Experian, XXXX and Experian nothing has been resolved. XXXX has violated my rights of the FCRA many many times and the credit bureaus are failing me as a consumer to enforce this company to report accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent law enforcement report, ID, and utility bill to XXXX so that they could block the fraudulent charges appearing on my credit report. I communication over the phone that they ignored my dispute because they didn't think I sent it. So I have hand written my dispute and attached the previous dispute. XXXX  failed to respond to investigate the initial dispute within 30 days and is in violation of FDCPA. The items contain fraudulent charges and they were required to remove the items within 4 days.
Product: Credit reporting or other personal consumer reports

Capital One is reporting inaccurately erroneous information my consumer reports. All XXXX of Major Consumer Reporting Agencies. I know there's isn't a late payment on my behalf but, for some odd reason the late payments are reporting are inaccurately in each agency. 

XXXX has a 60 day late in the month of XXXX during XXXX. Makes no sense at all. It is a clear violation of Fair Credit Reporting Act. It's 100 % inaccurate information furnished on my behalf that damage my consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX incorrectly opened a credit account without my authorization. They have no signature from me authorizing them to open an account in my name. I only authorized them to approve me for an account which I had no intention of opening. To my knowledge I had paid for the merchandise with my debit card, and they were going to mail me a card to activate at my discretion ( which I had no intention of doing ). 

Without my knowledge, they applied a small balance of under {$250.00} to the account that they opened without my authorization and sent statements to the wrong mailing address for months I had no idea this account was open and then I was receiving statements. 

Only when I attempted to secure financing for a purchase. Did I realize that XXXX had reported me to the credit bureau and destroyed my credit rating from a XXXX down to a XXXX. After imploring them repeatedly to close the account and reminding them that they had no authorization written or otherwise from me, authorizing them to open an account in my name did they agree to take payment from me for the merchandise only and close the account in question. 

However, XXXX month later, the derogatory Report from them still remains on my credit report, preventing me from securing adequate financing for current and future purchases ( for example, a preapproval for an auto loan with a 6 % APR has now risen to 11 % APR ). 

XXXX continues to drag its feet And not correct his mistake of opening of opening an account in a very deceptive manner. Yet Im the one paying the consequences for their deception. 

I need this removed from my credit report immediately and my solid credit Rating restored to a XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I was checking my credit report to make sure that the information that was there was accurate and found out that I am the victim of identity theft. I noticed an account that was on my credit report that I didn't apply for. Somehow someone used my personal information to fraudulently apply for a credit card. I am not sure how my personal information was obtained but the criminal has charged over thirteen thousand dollars on a credit card that I did not authorize an application for and that I do not have.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I have a collection in my credit report that I have not received any information or appropriate documentation whatsoever. I have disputed this item on several occasions but I never received anything back from the creditor or collection agency. It is a collection from Valley Creditors Service in the amount of {$2800.00}.
Product: Debt collection

I am not sure what happened. I am being charged for some merchandise that I have never received that I have never ordered. I called this company the moment it happened and let them know that it was not me. They should have documentations of that conversation cause I called maybe three times. They stated that it will be taken care of, I would not have to pay because I did not order this merchandise and I did not receive this merchandise now I am seeing this on my credit report
Product: Credit card or prepaid card

In XXXX my credit card was a victim of fraud per Bank of America. They ordered me another card ending in XXXX but refused to tell me what merchant it was. Stated that they can't release that and merchant is allowed to operate with less than top security level on their point of sale equipment until hack occurs then they are forced to get top security. This means that anywhere I go could be saving money and using less than top security point of sale equipment and then bank can refuse to tell me who merchant was so I can go back, not knowing, and be a victim with another card. Next on XXXX XXXX XXXX, I had a transaction with XXXX  for a ride to and from a friend 's house that I paid for, including tip and it was collected by lift off Bank of America card and then 2 days later they temp authorized two other charges. I tried to dispute and Bank of America rep refused to open a case disputing this giving me excuses. This is my second complaint on them. The first complaint someone from Bank of America called me left 2 messages saying they needed info, I called back they never called again and made no effort to do anything.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported an account to my consumer reports that did not arise from a consumer credit transaction, there were no lines of credit extended or was there any application or agreement for any lines or extension. 

See Case Law : Credit Reports for collection of alleged delinquent eviction, judgments, fines and liens may no longer be permitted. 

Federal counts recently have issued rulings about the use of consumer reports for the collection of an account under the fair Credit reporting Act ( FCRA ). 

These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). 
In particular, the word " credit '' was defined. As a result of the new definition the position that is being advocated is that a " collection of an account '' is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a " credit transaction. '' As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
If you use XXXX consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. 
XXXX will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with XXXX and this new interpretation of the law. This means that you may obtain XXXX reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. 
As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.. 
Delete this alleged eviction from my credit reports. 
Account # :