23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Credit Card Payment was due on XX/XX/XXXX. 
- On XX/XX/XXXX, I went to make a payment on my mobile app from my Capital One Savings Account. 
- On XX/XX/XXXX, I noticed that the Payment Was Returned and Late Fee Charged. 
- On XX/XX/XXXX, I called Capital One and asked for explanation : Explanation : - Representative said that the reason is that the bank account used to make a payment was listed as XXXX  XXXX XXXX and it did not go thru. 
- After explaining that I don't have a XXXX  XXXX XXXX account, the representative said that they don't handle issues with mobile app and advised for me to change a password to the phone (? ). They also refused to reverse the Late Fee. 
- There is obviously an issue at Capital One, they somehow used a non-existent XXXX  account to make an ACH payment. I am a customer in good standing without any previous issues, and I always use my Cap One Savings account for payments. 
The refusal by Capital One to investigate and charge my late fee is a predatory practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. XXXX XXXX XXXX XXXXXXXX has violated my right.

15 USC 1681 sec 602 ( a ) i have right to privacy 15USC sec 1681 sec 604 ( a ) it also states a consumer reporting agency can not furnish a account without any written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently reviewed my credit file. I noticed some accounts that were investigated and deleted from XXXX. XXXX and Transunion has not provided any debt validation or method of verification used to validate debt. 

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

On XX/XX/2023, I check my Equifax, XXXX, and XXXX After revising my credit report from all credit bureaus the information about an bankruptcy has Inaccurate information from all 3 credit bureaus. 


On XX/XX/2023, I sent out letters to the 3 credit bureaus to remove Inaccurate information from their systems and other third parties. according to the 15 USC 1681. The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1679c ( a ) - Disclosures The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have violated my rights, I have the right to privacy, they can not purchase my accounts without my written instructions. 


{$4600.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX {$230.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After obtaining my credit report I found an debt from a company. I was in Prison and I was a victim of identity theft. there was know I could have done this. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. 

please remove this as it is hindering me in my life.
Product: Credit reporting

TRANSUNION HARD REMOVED XXXX ACCOUNT FROM MY CREDIT REPORT WHEN I DISPUTE THEM AND WHEN AND TURNED BACK AROUND AND PUT THEM BACK ON
Product: Student loan

There has been issues getting a job after graduation. XXXX XXXX  promised a better career and more money after graduation. Everything was said and done by the recruiter of XXXX. I originally went to XXXX XXXX XXXX XXXX back in XXXX or XXXX I believe but left because of things not done correctly. However, I did attend XXXX University - XXXX California when it changed because I was told that I could get my Bachelor 's degree in Computer information and have a better career. I was attending XXXX XXXX and I transferred back in XXXX and graduated in XXXX. 
The issue is I was promised by the XXXX  to receive help in finding jobs and have not received any help or assistance at all since then. 

I did work in retail to try to help pay off my loans. I went into Forbearance and couple of times went into almost default on my loans because of no way of paying them and the promise of a better career didn't happen. Right now I am in XXXX and my payment is XXXX because I don't make anything. What I was promised never happened and I felt like it was a waste of time. 
I did reach out to try to get loan forgiveness through a medical discharge because it's affecting my health trying to get the loans out of my life. Majority of the loans was done through XXXX and XXXX. I found out recently that other students have complained and there was a class action done against XXXX and other XXXX  had their loans XXXX because of the tactics that XXXX has done against their students. I am here to be heard and would like my loans to be also XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681.

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX : account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more According to 15 U.S.C 1681 i ( 5 ) they are suppose to

modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602A. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card

Chase Bank is asking their credit card holders to fill out an authorization to release their SSN to Chase along with a XXXX form. They claim it 's in the name of identity theft protection. Failure to do so will cause the account to be closed. No other credit card company is asking for this and the mere act of mailing it puts my data at risk. 
Credit is a competitive business and I have options. However, many others do not and would face inconvenience and possibly higher fees due to a change in circumstances. Plus Chase is n't going to assume liability for the inevitable mail fraud that will take place. Bringing the forms into a branch is n't an option when there is n't one close by. Oh, and did I mention - they say it 's for verification of my SSN? Which they already HAVE?
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$220.00} XXXX XXXX XXXX {$220.00} XXXX - XXXX {$4.00} XXXX XXXX - XXXX XXXX  XXXX - XXXX {$39.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the counts that I marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XX/XX/XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Mortgage

I applied for a land purchase mortgage on XX/XX/20 to the Bank of the Ozarks with XXXX XXXX. Application was sent via email. XXXX asked for sales contract, photo ID and mortgage statements with the application. 

On XX/XX/20 underwriting begun and XXXX XXXX emailed me asking for tax returns, w-2s, and pay stubs. A loan estimate was emailed the same day with terms for a 25 % down payment. 

On XX/XX/20 the loan estimate with the 25 % down was signed after I received an email with a counter offer for a loan with 40 % down asking me to accept or decline. Never received 2nd loan estimate. 

On XX/XX/20 email XXXX XXXX about why down payment changed significantly. He responded that the file noted past delinquent credit obligations with others. I asked whether the credit score of XXXX was within the guidelines used by the bank to issue loans for these types of purchases. He responded yes. 

I didn't understand why the down payment increased dramatically since the bank had the credit information, income verification and that information had been reviewed before the 25 % loan estimate had been created. I escalated to XXXX XXXX on XX/XX/20 because I was concerned about the transaction. 

I received a correspondence from the Bank of the Ozarks on XX/XX/20. The correspondence was dated XX/XX/20. The correspondence more information about the decision to counter offer. 

My last conversation with XXXX was on XX/XX/20. He advised me that his Bank 's procedure is to not underwrite before a loan estimate is issued, that credit reports and underwriting is only done after a signed intent to proceed, and the bank makes 40 % down loan offers to applicants with XXXX credit scores. No one with credit score of XXXX or below receives 25 % down payment loans for this type of transaction. 

There were other individuals that applied for the same type of loan during the same time period. 

I am an XXXX XXXX male concerned that I was treated differently during this transaction, and am asking that the Bank honor the terms of the first loan estimate, because I was truthful about everything that was on my application and nothing changed between the time of application XX/XX/20, underwriting XX/XX/20, the loan estimate, XX/XX/20 and the counter offer XX/XX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion all reported incorrect information on my credit report. According to the Fair Credit Billing Act the credit agency must contact me ( call, write, e-mail ) within 5 business days before placing any negative items on my credit report. In them not doing so, it is a violation of compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent, inquires Santander Consumer USA Reported : XX/XX/2022, Opened : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Debt collection

ON XX/XX/2021 I NOTICED AN ACCOUNT ON MY CREDIT REPORT IN THE RESULT OF IDENTITY THEFT. I CONTACTED KINGSTON DATA & CREDIT TO WARN THEM ABOUT THE FRAUDULENT ACTIVITY. THIS COMPANY FAILED TO INVESTIGATE AND PROVIDE ME WITH ANY AND ALL SUPPORTING ITEMS REPORTING INACCURATE AND FRAUDULENT INFORMATION ON MY CREDIT REPORT WHICH IS A COMPLETE VIOLATION. THIS ACCOUNT HAS NOW BEEN SENT TO A COLLECTIONS FOR DEBT THAT I DO NOT OWE BECAUSE OF THE LACK OF KNOWLEDGE, INTEGRITY, PROFESSIONALISM, AND BEING COMPLIANT AND REFUSING TO INVESTIGATE AT ALL. LEAVING ME TO HAVE A DAMAGED CREDIT REPORT FOR SERVICES I DID NOT OBTAIN
Product: Debt collection

I reached out to your company on XX/XX/XXXX in regards to the following accounts in your office : XXXX XXXX XXXX XXXX I received in the mail on XX/XX/XXXX all of my medical records for the alleged debt which includes services rendered, medical tests I received, detailed medical information, etc. Your company violated my privacy in which I am protected under HIPPA laws. You sent my medical records WITHOUT a HIPPA release form. I never gave XXXX XXXX XXXX permission to release my personal information such as specific treatment or medical tests I received outside of basic collecting information. You did not provide any documents I signed signing over my HIPPA release. 

Your company knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. You failed to use reasonable care during business and failed to use even minimal procedures to ensure that I was not harmed. 

I will take any and all necessary steps to protect my rights. If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. I will include your company as well as the credit reporting agencies in a potential lawsuit. Should you continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. 







For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 



These accounts need to be deleted off my credit report expeditiously : COLLECTECH DIVERSIFIED XXXX COLLECTECH DIVERSIFIED XXXX COLLECTECH DIVERSIFIED XXXX COLLECTECH DIVERSIFIED XXXX
Product: Credit reporting

I believe that I am a victim of fraud, the inquiries do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting incorrectly a balance of {$130000.00} to Equifax and XXXX   on the XXXXXXXX XXXX XXXX partial account number XXXX, as well as the account being reported as ( 120 ) days past due. The balance reporting is completely false. ( Please see page attached from my credit report as well as the statement dated XXXX from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer can be reporting and therefore it needs to be removed from my credit report. XXXX has removed this line item and I respectfully request that Equifax and XXXX  remove this line item as well. It is a violation of the Fair Credit Reporting Act to continue to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful. This incorrect reporting is seriously harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for over a year battled credit reporting agency 's and XXXX XXXX  for several accounts i did not open. i have provided police reports as well as identity theft affidavits to all 3 credit reporting agency 's as well as the creditors. I started with 8 accounts which there ae still 2 which I've not been able to clear my name. these would be XXXX and XXXX both by XXXX XXXX i dont know what else i could provide them to help me clear my name of these accounts i really need your help to resolve this issue as I'm mentally drained and depressed over the issue.
Product: Credit reporting or other personal consumer reports

Tomo Boost is the company that is stealing money from me. They've stated that they would report lines of credit to my credit report by becoming a member of their company, However, they only taken money out of my account with no reporting. I have multiple email correspondence asking to stop payment and cancel my membership. They have refused to cancel the membership. Below is how much that have taken from me and they are planning to take {$99.00} on the XXXX of this month, when I have asked multiple times to cancel my membership. They also give me no option to cancel myself. Can you all please help. 

History XX/XX/year> {$99.00} Membership Renewal XX/XX/year> {$99.00} Membership Renewal XX/XX/year> {$79.00} Membership Enrollment
Product: Checking or savings account

Hello so my account was closed about XXXX months ago in XXXX dont remember the exact date but I think it was the XXXX 2022. My account was closed based on some suspicious activity that I had no clue about a check of XXXX dollars my debit card had been lost around that time and I had spoken to the fraud department about that and they closed the investigation fix everything and I was told to call days later to get my funds and I was received a reference number and so when the first time I called the lady told me that I wouldnt need a reference number that the check will be sent out and I would receive it in XXXX days and nothing appeared. So every since Ive been calling for the past XXXX months almost everyday and they still couldnt tell me anything about the funds everyday it was the same excuse there no is no update on that process please call back in 24 to 48 hours and there still nothing. There is no reason for why is that Citibank is on holding on to a check that is not even theres. A check that didnt even reach the bank account when it was closing. So it makes no sense for this check not to be sent to my house. I have received checks from Citibank only sending me XXXX dollars or XXXX cent from the account how is it possible then can send that check but cant send my actual funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifiax and XXXX, is in violation of the FCRA. They are in violation of 15 U.S. Code 1666b - Timing of payments. Please re investigate and update or remove the late payments on my credit report.

15 U.S. Code 1666b - Timing of payments ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XX/XX/XXXX account XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXXXX/XX/XXXX Acct number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy, 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Scheels Visa customer support number is : XXXX. 

I accidentally dialed XXXX XXXX, And this number is posing to be VISA, and took all of my info. 

I noticed the misdial and eventually hung up.
Product: Vehicle loan or lease

Bridgecrest repossessed my car, fraudulently reported information to my credit report WITHOUT my WRITTEN and VERBAL permission. 
The company has since written the loan off as a profit loss and recouped their money and they have failed to provide me with a 1099-c. Bridgecrest took advantage of a tax break and still continue to fraudently claim that I owe a balance, while the car has been sold again.

Bridgecrest is incorrectly and unlawfully reporting a closed/charge-off while still claiming I owe a debt. Under the FCRA I have the right to seek statutory damages, and report them to the IRS
Product: Money transfer, virtual currency, or money service

I received a letter in the mail on XX/XX/2019 from " Synchrony '', XXXX XXXX XXXX  XXXX, XXXX, FL XXXX, dated XX/XX/2019 stating I had an " Account ending in : XXXX, and the reminder that <I> have a PayPal Credit account. The letter goes on to state how PayPal credit works, special financing basics, and how to contact PayPal or call Synchrony with questions. 

1. I, literally, have never heard of " Synchrony '' before this letter. 
2. I have never opened a PayPal account. 

This is a literal, physical, phishing attempt to glean private information -- fraud. 

I called Synchrony and spoke to their " Fraud '' department, who asked for the same information as Synchony 's automated voice system ; phone number then social security number. 

I verified my credit report does not show Sychrony or PayPal entries. 

Until an examples are made, there will be no depth 's that bad actors won't go.