23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I opened the account I used my government-issued ID ( Passport Card ) to start a new account with Capital One.

Somewhere along the line I lost my old phone and got a new one. Upon attempting to reach Capital One about updating my account they stated my Passport Card was not a government-issued card. I then got transferred to a manager in the XXXX with agent ( XXXX XXXX ) that stated that my Passport card was a " XXXX '' and not a government ID. And to go get a Drivers License. I am a XXXX Veteran I can not drive. 
After disputing for over 2 hours I was sent to the fraud department with agent ( XXXX ). Where they told me to take a picture of the ID. I took over 10 pictures and the sofwate would not recognize the passport. She stated there was nothing else possible to do. 
after I mentioned her I was a XXXX veteran the call disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Debt collection

A collection agency sent me XXXX lettlers where i make a settlement payment of a debt that is not mine.The agency is Midland Credit Management , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 ; I sent a certified letter to the XXXX and Equifax disputing the inaccurate unverified bankrupcty filed within my credit report. I have challenged the validity of this alleged bankruptcy listed on my report. I have went to the courthouse, and they have stated, " they did not verify this information. '' I have sent correspondence to the XXXX and they have verified that their is not bankruptcy being reported on my credit report. For whom, Equifax and XXXX both use a third-party source to verify information.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I submitted to XXXX that Jefferson Capital System - At address XXXX XXXX XXXX XXXX XXXX MN XXXX that this account I have no knowledge nor applied for any credit nor do I owe {$170.00}. I submitted a request to please investigate and remove this unknown balance off my credit report. I did not apply for this. I am a XXXX and XXXX XXXX XXXX XXXX that barely lives off a fixed government XXXX XXXX monthly income. Please do your diligent deep investigation and remove this off all 3 credit bureaus. I had to submit a freeze on all 3 credit bureaus due to this issue. Please rectify.
Product: Debt collection

These people ( XXXX ) call almost every hour from XXXX - XXXX. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on XXXX and found out that it is a collection agency for XXXX
Product: Credit card

I have a Chase Sapphire Preferred XXXX credit card. My husband is an authorized user on the account. The card terms allow for the transfer of rewards points to XXXX XXXX XXXX ( airlines, hotel groups etc. ). I encountered a problem when attempting to transfer points from the card account to a XXXX XXXX XXXX. After multiple exchanges with Chase I was told I would be unable to transfer points to the XXXX XXXX  account of the authorized user even though this is an option advertised by Chase and this option appears on the transfer webpage. As I understand it, Chase has coded their system to only accept last names up to a certain number of characters. My husband, the authorized user, has a last name that exceeds the number of characters that Chase has programmed into the XXXX XXXX Therefore we are unable to avail ourselves of this benefit although we were at no point prior to this incident told that his last name would be a problem and he has been making purchases with the card as an authorized user. His full legal last name as it appears on all official documents is the name we provided. I do not think Chase 's conduct complies with the terms and conditions of the cardholder agreement and it arbitrarily excludes certain users from accessing cardholder benefits based on the length of their legal last name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are : AMALGAMATED BANK OF, FINGERHUT/WEBBANK The illegal, fraudulent inquiries that are not covered by fair use are :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  BANK  XXXX   XXXX   XXXX ,   XXXX   &  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX ,   XXXX  ,  XXXX  BANK  XXXX ,  XXXX .  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX ,   XXXX  , &  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX , BEST B  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  BANK  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  CRED  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     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 sent out my dispute letter on XX/XX/XXXX which arrived later due to the mail on XX/XX/XXXX which Transunion signed for. In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are negatively impacting my credit report. Transunion has failed to respond within the 30 days allowed or send me any updates about my dispute. I sent them over evidence for both accounts showing that XXXX  XXXX  isn't my account and I have no knowledge of it, which was removed from XXXX. I also sent them evidence for my auto loan which they have listed as 2 late payments and repossessed. And the same for XXXX that it is being reported inaccurately. The account is incorrect in their records and I have shown them my report from XXXX  that clearly shows I am current and no remarks are present. I AM HIGHLY UPSET AND DISAPPOINTED THAT IT HAS COME TO THIS POINT! I've tried reaching out to XXXX myself to validate the debt and they haven't sent me any evidence proofing that I owe this debt, and Transition hasn't provided any documentation. I can't qualify for a home loan until I GET THIS RESOLVED
Product: Credit card

XXXX XXXX Wells Fargo I am filing a complaint abouXXXX XXXX XXXX XXXX unacceptable handling of my dispute. Despite contacting them XXXX  by phone to resolve the issue, they failed to address the problem and exhibited extremely poor attitudes. Below are the details of the dispute : Dispute Number : XXXX Date Posted : XX/XX/2024 Merchant Name : XXXX XXXX Transaction Amount : {$78.00} Card Number : XXXX Current Status : I received a notice stating : " We need to speak with you about your dispute, but we haven't been able to reach you by phone or email. Please call us at XXXX XXXX : XXXX am - XXXX pm XXXX XXXX within XXXX  days from the date of this message. If we do not hear back from you, we will continue our investigation with the information currently available to us. '' However, after following their instructions and calling the provided number, Wells Fargo has failed to offer any resolution. Their lack of action and rude customer service have caused me significant frustration. 

I am now escalating this complaint to the Consumer Financial Protection Bureau ( CFPB ) to seek a fair resolution. 
XXXX
Product: Checking or savings account

Key bank has taken my money and wont give it back even though XXXX XXXX which is who they took my money for has told them on A LOT of occasions I DONT OWE THEM! But for some reason they refuse to give my money back. The manager of the hotel has agreed to talk to them and has sent emails. Ive sent emails and so have XXXX. They still wont refund my money. I dont have a lot of money so I need it back ASAP!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX. I just received a copy of my credit report I noticed that you guys are reporting this account incorrectly this collection account is reporting not only OPEN, but also shows the past due balance of {$650.00} according to the FCRA, I have a a right to a accurate credit report please remove this account immediately from my credit report please provide me a new copy of my credit report reflecting this account upon completion
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the late payment reported 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. XXXX 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 card

Somebody opened a fraudulent Citi Home Depot credit card in my name. I have called several times to request the account be closed immediately. Citi assured me that they have closed the account, but I continue to get monthly statements saying my account is past due. It seems there is no way to get Citi to finally CLOSE the account. I have never had a Citi Home Depot credit card, and did not apply for one. Whoever did this accumulated more than {$1500.00} in charges, and the bills are addressed to me with my name and home address. This will ruin my credit rating.
Product: Prepaid card

I had an HSA ( Health Spending Account ) in XXXX. As XXXX approached the end, I contacted Optum Bank to ask when my access and ability to charge medical costs to the card. I was told that I would have no access to the account since I had to use all of the funds I contributed to it no later than XX/XX/XXXX In the first quarter of XXXX, it turned out that the account was still active and could be used to pay for medical costs. 

Last month, I realized that the full turnaround from " the account is closed '' was worse than I had thought when I realized that Optum bank was charging monthly fees on the card at {$2.00} a month. 
To reiterate, the bank went from your account is closed and you can not use it to the bank themselves using it to get fees. I find this to be harmful to the consumer especially when it is a card intended to be used for medical expenses.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts and inquiries on my credit report due to a data breach that compromised my personal information. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following entries be blocked and deleted from my credit file : Fraudulent Accounts XXXX. Creditor : XXXX XXXX  o Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$0.00} Fraudulent Inquiries XXXX. Creditor : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. Creditor : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. Creditor : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX XXXX and I refinanced our house with XXXX I believe and before the 30 day period they sold my loan to RoundPoint. Neither company properly informed us this happened. In the meantime RoundPoint called and said they were our new Mortgage company but never officially properly notified us they had purchased our loan. We thought they were a scam or fraud and we ignored their request for payments. They reported us to all 3 credit agencies. We worked an agreement to make payments and settled with them but they refused to remove those credit late payments. We refinanced our home with XXXX Mortgage due to RoundPoint not keeping their word.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was attempting to transfer from my chime card to my bank. Instead I transferred to chime. I tried to do it a second time and still transferred to chime. I decided to pay anyone to myself thinking that would solve the problem but the funds never posted. Ive done four disputes with chime all being denied. I told the I misunderstood what I was doing and send pay anyone instead of transferring. They kept telling me I send my money to $ XXXX XXXX which is me, and it cant be funded. Both transactions were for {$190.00} each. Total of {$380.00}. I did not send this money to someone else I sent it to myself. I just want my funds posted to my account. I filed four disputes with chime. All denied. I now have a XXXX XXXX report and have filed s dispute with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to TransUnion over the past year regarding three unauthorized or fraud-related accounts on my credit report. 

TransUnion has violated FCRA multiple times by refusing to conduct a proper investigation into a disputed item. On XX/XX/2022, I spoke with XXXX XXXX, Supervisor, in the US Special Handling Team disputing specific items on my credit report and send him a letter via USPS Certified Mail disputing the same items. The investigation results came back verified on XX/XX/2022 way beyond the required response timeframe ; Report # XXXX XX/XX/2022, I sent TransUnion a method of verification request letter into their investigation via USPS Certified Mail ( XXXX XXXX XXXX XXXX ). TransUnion has violated FCRA by refusing to provide any proof of their investigation and only resent the same response as sent on XX/XX/2022, verifying the results. As you can see from the attached documents, TransUnion has again disregarded my investigation request and second demand for verification method proof and documentation. 

I request a thorough investigation into TransUnion by CFPB due to their failure to provide the proper documents and proof of their investigation into each item indicated in the letters. I further request that TransUnion remove the disputed items due to their inability and failure to provide the proof of their investigation methods, both immediately and permanently.
Product: Vehicle loan or lease

XX/XX/XXXX I was behind I paid high late fees $ XXXX $ XXXX.supposed got loan caught up. Because of hurricane Florence in XX/XX/XXXX. Auto payment 's $ XXXX.interest rate 28 %, they said it's daily rate. But it supposed been annually rate. XX/XX/XXXX we paid $ XXXX.by due date XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, paid $ XXXX.but they keep calling saying never got payment. Like always they sit on check, pertent it got lost. They due this few times to me. So I cancelled out check, then send USPS over nite, then they run other check. Trying to collect twice, and send other cheek through. XXXX XXXX XXXX XXXX XXXX, is not worth $ XXXX $ XXXX.after buying it, XX/XX/XXXX, from XXXX XXXX XXXX XXXX , XXXX XXXX in XXXX, Utah . 5yr loan it's been XXXX making payments to American Credit Acceptance, never get credit for paying more on loan. I made way to many complaints to FTC, CFPB, XXXX, but as i sent information to the President last year these companies are not protecting the consumer like me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Reported Account # XXXX, has violated my rights. 

XXXX XXXX Reported Account # XXXX, has violated my rights XXXX XXXXXXXX XXXX Reported Account # XXXX, has violated my rights. 

XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I applied for an installment loan of {$500.00} with Moneylion. Per Moneylions website and policy, only 1 loan can be given at a time. Once that loan has been paid off, the consumer can then apply and receive another. I paid that loan off XX/XX/XXXX as it shows last payment received and applied for a second one. I paid that loan off and took out another one XXXX XXXX. Mind you both loans were on auto pay. The second loan was being taken out of my account every month then about end of XXXX, they stopped taking it out and then charged it off. At the time the balance left was XXXX yet on the credit report shows " account charged off. {$420.00} written off, {$300.00} past due. How can you write off more then the past due. They are a fraudulent predatory company with incorrect reporting 's. How can I have two active loans out at the time in XXXX if both their website and customer service have stated only 1 active loan can be open at a time. 

I have tried to dispute this with both XXXX and the XXXX bureau 's with no help. When I pull my reports, they aren't even reporting anything correctly on both XXXX and XXXX. XXXX shows no payments made on loan 1 yet the balance is lower then the initial {$500.00}. On XXXX, its showing the XXXX  months I made payments on the loan then went to XXXX, 60 days late. When I disputed the incorrect reporting, they tried to adjust the balance to {$30.00} in XXXX of XXXX, XX/XX/XXXX it was put on {$460.00}, then in XX/XX/XXXX went back to {$30.00} and then back to {$460.00}. They have been falsely reporting it since XXXX and has affected my credit. 

The second loan is showing last payment made XX/XX/XXXX but when you look at the report, no payments were made so clearly nothing matches up with any of the reports and details as they are trying to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the three credit bureaus several times about this matter still no update on accurate information I still have an accurate information no proof let me apply for any of this stuff Ive never even went To any college i see there is a account for dept of education i never signed up for i sent complaint # XXXX please remove inaccurate information this is hhurting my family and hindering my credit stopping Me from obtaining new employment please remove inaccurate information listed below Upon investigation XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed XXXX XXXX XXXX {$770.00} Needs attention XXXX XXXX XXXX XXXX {$370.00} Needs attention XXXX XXXX XXXX {$160.00} Needs attention
Product: Debt collection

I am writing to dispute and request corrections to the inaccurate information on my credit report. It has come to my attention that there are errors in the reporting of certain accounts, and I kindly request a thorough investigation and rectification of these issues 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 I was the victim in this situation, and I am perplexed as to why this credit bureau is not complying with the law, especially considering that other bureaus have followed suit in correcting these inaccuracies. I expect a thorough investigation into these matters and prompt corrective actions. Please provide me with written confirmation of the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting Agency is Violating my Right to privacy.