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

On XX/XX/XXXX, I submitted an application for the Capital One Saks Fifth Avenue Mastercard at the Saks Fifth Avenue store in XXXX XXXX XXXX. At the time, the employee failed to informe me that if I had an existing store card my application was going to be automatically declined. A few day later I received a letter from Capital One declining the application due to having too many Capital One Saks Fifth Avenue accounts. After the letter, I called Capital One and I was told that because I had already a XXXX account my application was declined and the only way to have the application re-reviewed was to close the existing account which I agree to close the account and have the application review again. I just received another declined letter stating the same thing the first letter stated which is the application was declined due to having too many Capital One Saks Fifth Avenue accounts. Today, XX/XX/2022, I called Capital One and I was informed that even though I closed my original XXXX account the application was automatically turned down because their system does not recognize that the existing account had been closed which I was never informed on my first call. I believe this a deceiving practice and now my credit card was pulled. If this information had been giving to me before submitting the application on XX/XX/2022, I would have been able to make an informed decision.
Product: Debt collection

I already paid this other debt collection that was {$90.00} on XXXX XXXX. I have documentation of proof that I paid it off. After that I did not receive any other debt collection since I thought it was already paid off and when I spoke to the debt collector which was XXXX XXXX XXXX on the phone he told me I dont owe anything. So why am I being charged again for a crazy amount of {$620.00}? This debt was from the hospital bill in 2019 and i never stopped paying it off through mall, I was giving $ XXXX  monthly however the hospital ( XXXX XXXX XXXX, I think they changed their name to that ) was not satisfied and took me to the debt collector. Keep in mind the hospital did not provided me any service.I couldnt contact the hospital because it got shut done during COVID. Keep in mind this debt took a toll on me personally, they ruined my credit score and whenever I dispute the case to the debt collectors and let them know that it was already paid. They responded by saying that its supposedly accurate and they did not responded about the other debt that I paid. I dont understand whats going on. They are truly being wrongful.
Product: Debt collection

American profit recovery, attempted to collect a debt that was not mine. I received a credit notification that a change on my account was detected and it showed a new collection account. I was never informed of any attempts to collect this debt prior to placing it on my credit file. They stayed they had sent communications to an Old address that I have not resides at in several years. This needs to be removed permanently from my credit file. It is not my account and I have no contract with the original owner of this debt. I am in the middle of a home loan process and this could have significant negative effects on my approval process and interest rate. This was placed on my credit file in direct conflict with the fair credit reporting act and fair debt collection practices act. This kind of illegal collection activity hurts Americans and places them in financial jeopardy. 

I have no documents to provide because I have not had an account with the original creditor. I spoke with a manager On XX/XX/2020 named XXXX XXXX who states this would be removed from my credit file. I was the consumer finance protection bureau to ensure this is done.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX. XXXX XXXX - Account number : XXXX. Balance : {$7200.00} XXXX. XXXX XXXX - Account number : XXXX. Balance : {$2600.00} XXXX. XXXX - Account number : XXXX. Balance : {$360.00}
Product: Debt collection

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Product: Credit card

Dear CFPB, I am writing to formally lodge a complaint against Wells Fargo for fraudulent accounting practices that have resulted in the misappropriation of my funds. Specifically, I have encountered issues with transactions involving XXXX XXXX. 

On multiple occasions, I have been charged {$45.00} by XXXX XXXX, which were subsequently refunded. However, these refunds were later rebilled to my account without any valid explanation. This pattern of refunding and rebilling appears to be a deliberate attempt by Wells Fargo to manipulate my account balance and extract additional funds unlawfully.

The details of the transactions are as follows : - On XX/XX/year>, I was charged {$45.00} by XXXX XXXX, which was later refunded. 
- On XX/XX/year>, the same amount was rebilled to my account. 
- This pattern repeated on XX/XX/year> and XX/XX/year>. 

These actions have caused significant inconvenience and financial strain. I request a thorough investigation into Wells Fargo 's accounting practices and immediate rectification of the erroneous charges on my account. I also seek compensation for any financial losses incurred due to these fraudulent activities.

Thank you for your attention to this matter. 

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

All three credit bureaus are erroneously giving mortgage loan comings inaccurate fico credit scores on me. 

I'm thinking this is retaliation for turning them in before and also discrimination.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that much information was erroneous. The 3 credit Bureaus are required to authenticate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I deposited a check for XXXX in my checking account at Suntrust Bank in 2018. A few days later money started to disappear from my account. The bank issued me a new card a few times [ at one time money was taken and I had not even activated the new card } Close to {$10000.00} was taken by fraud from my account. They were XXXX purchases which I told the bank I never used and no one had access to my card, I told the bank that the check was a settlement from my husbands death. : I was never notified when these purchases were made. The dates areXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX/ On many dates there were multiple purchases. Every claim I filed was denied. Many times I had to call to reclaim as Sun Trust never sent the paperwork for me to sign for a claim. The amounts are as low as {$2.00} and as high as {$800.00}. The purchases were made from the XXXX coast and I am on the XXXX coast.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my personal credit report, along with this CFPB complaint I am attaching statement, proof of identity, fraud affidavit, along with itineraries and witness statements confirming the record.
Product: Consumer Loan

The interest rate is 35 %. At the beginning of the loan I was not told that the interest rate would be this high. As a matter of fact the advertisement said that the rate would be around 6 %. They changed the terms of the loan which they called restructuring of the loan to change the payment and they never honored the new payment of {$100.00} a month. I have paid for about 7 payments of this loan on this and still own the same amount as when I started out. About 3 months ago when I had to change accounts or method of payment they would not let me change checking accounts to make my monthly payments. The fees are out outrageous. They are already gouging me at a rate of 35 % interest plus bogus fees attached to late payments. Predatory lending practices at best. Customer # XXXX Loan Id. XXXX Avant 's Contact Info. XXXX Thank You
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

on XX/XX/XXXX, i applied for a auto refinance with capital one. they have not provided a copy of the contract. They paid off the vehicle by XX/XX/XXXX, which also invalidated my registration for my vehicle due to title change. Capital one never advised i would have issues with registering or using my vehicle. i subsequently noticed my tag was expiring and i visited the XXXX XXXX tax collector office that also houses vehicle registration. They advised that the vehicle is no longer legal to drive. i sent the paperwork required by Capital One on XX/XX/XXXX. On XX/XX/XXXX i began calling capital One, they advised nothing they could do, waiting on title. The previous leinholder sent the title to Capital One on XX/XX/XXXX. Capital One claimed they did not receive the title until XX/XX/XXXX. They advised they sent the information to Florida XXXX, but their website advises it could take a few months to process. I have no terms, or contract. I was not told I would be without the financed vehicle for months. everything this company has done has been deceptive. i advised i should be compensated per day for all the time i do not have the vehicle i am paying fir and they said that two months was within their correct processing time which was never communicated to me. They should be investigated for their auto refi process as a whole, there is no detail available anywhere from capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020, with follow ups disputes each month and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible. 

I SENT A POLICY REPORT AND THIS COMPANY IGNORED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX LOAN Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX account XXXX XXXX XXXX, XXXX XXXX, XXXX DEPT OF ED/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SYSTEMS, XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name isXXXX XXXX, XXXX XXXX XXXX XXXX TN XXXXMy SS XXXX DOB XXXX. I had some issues with my income being affected by the XXXX19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 
I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX XXXX XXXXNC,XXXX,XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX SC,XXXX
Product: Debt collection

Date opened XX/XX/XXXX Amount : {$6500.00} No action has been taken by company, I was not aware of this collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Dispute Department TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

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

My information has been impacted and compromised by the current FBI an DHS data breaches. I believe that my information may have got into the wrong hands and again compromised. I have contacted all credit bureaus and been trying to rectify this.

According to the Fair Credit Reporting Act it is my right to have fair and accurate credit report. Please investigate and delete the below " Hard injuries '' from my credit report. 


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

I am writing to dispute and request a correction to the data on my account with XXXX, account number XXXX. It has come to my attention that there are inaccuracies in the reported information related to late or past due charges on my account. 

I want to emphasize that my account has always been in good standing, and I have diligently made all my payments on time. Despite my consistent efforts to ensure timely payments, it appears that the data being reported does not accurately reflect the positive payment history associated with my account. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the discrepancies on my account. I urge you to work with XXXX to rectify the inaccuracies promptly and update the data to reflect the accurate and up-to-date information about my payment history.
Product: Money transfer, virtual currency, or money service

I needed to reset my password and reinstall the Venmo app. I was having issues getting a verification code from the company. I hit the " request code '' and the email never arrived. I was able yo verify my account and get the code by text. I tried to login but then ran into an authorization error code. I contacted the company by phone and email yesterday and have not received a response. When I tried calling, there was no option to speak to a representative and the call menu items did not address the issue I was having.
Product: Credit reporting or other personal consumer reports

The following inquiries were fraudulent and should be removed from my file. I contacted customer service and they said they can't remove inquiries. However, I notified them that these were fraudulent. I have old accounts with XXXX XXXX and XXXX XXXX, but I did not make these specific inquiries. 

Please remove these inquiries, per the FCRA. If they are not removed, I plan to seek advice from counsel and pursue any legal remedies available. 

Thank you XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I did not apply for these credit cards, and called XXXX XXXX on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquiry remains.
Product: Student loan

MOHELA is not acknowledging and correcting payment count from my XX/XX/XXXX XXXX XXXX XXXX as one loan for the purposes of the XXXX XXXX. 

According to MOHELA 's website my qualifying payment count is INCORRECT. 

The overall Payment count is incorrect as they have not certified my Employment, from a period of XXXX XXXX ( XXXX XXXX hours a week ) of employment from a qualifying employer during a qualifying time period, fro XX/XX/XXXX to XX/XX/XXXX, which would put me well over the qualifying XXXX payments for XXXX XXXX XXXX XXXX. 

I have resubmitted all the ( corrected ) forms to be processed due to an original error by the employer to submitting incorrect hours. However it has not been acknowledged or corrected. 
I have made multiple attempts in the last 3 months with MOHELA to acknowledge this significant oversight and for payment counts to be corrected. I have even applied for XXXX reconsideration due to the incorrect count. 
I have submitted all the forms to be processed and corrected and it has not been corrected. That is a total of 65 months of payments that needs to be added to the overall payment count for XXXX.
Product: Debt collection

An unauthorized credit transaction was done with my credit card as defined under 15 U.S Code 1602 ( I ) and there was a finance charge involved as defined under15 ( 1605 ). An alleged debt has been placed on my persons, which is a violation of 15 U.S.C 1692 ( e ), because they falsely represent the status of a debt. There is no consent for any of my consumer information to be furnaced to any Bureaus or 3rd parties. Violations of the truth and lending act, FTC, and the FDCPA have caused significant damages as a consumer. The original creditor does not validate this alleged debt. I have firsthand knowledge of violations supported by documentation. Debt collectors have imminently invaded on consumers legally protected interest.