23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX wasn't XXXX I was to rent bldg XXXX prorated rent for XX/XX/XXXX XXXX wasn't ready to rent requiresd major maintenance bathroom and bathtub ( unuseable ), kitchen also needed to be resurfaced maintenance work order completed XX/XX/XXXX had to wait before removing plastic maintenance didn't do clean up. XXXX days before completed. Leakin walls flooded carpet had to be cut in order to prevent mold. provided large portable electric heater to dry water damage for XXXX days increasing electric {$100.00}. They charged me $ XXXX for parking withour having a car for the fees {$240.00} total. 
received national credit systems a bill for {$3200.00} balance forward {$2500.00} and added {$910.00} fed XXXX rent moved XX/XX/XXXX with paint, carpet cleaning, cleaiing total bill {$3900.00} requested a detail of balance forward couldn't provide.I went to debtor XXXX and was told no balance due account closed. National hasn't responded to calls letters and hasn't removed it from my credit reports. They have even sent email to pick up packages in XX/XX/XXXX. National has charges after XX/XX/XXXX open date XX/XX/XXXX. I can provide documents if required.
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 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 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

On XX/XX/2018, I enrolled in a Capital One Savor MasterCard online with an offer of {$500.00} bonus if you spent {$3000.00} on the card within 3 months of opening the account. I was approved and adhered to the stipulations by charging over {$3000.00} on the card within the required time. I never received the {$500.00}. When I called customer service, they informed me that they never had this offer.I have since written letters to the One CEO, XXXX XXXX, as well as XXXX XXXX. I have sent emails & also mailed letters with a response that their offer was for a {$150.00} bonus after charging {$500.00} in purchases. I even sent them a copy of the online offer and requested a copy of my application showing the offer I submitted online. I have only received their Terms & Disclosures which doesn't show the offer that I enrolled in.They owe me an additional {$350.00} as Capital One credited me with only {$150.00}. My Savor Account ends in XXXX and the cases are # XXXX & case # XXXX. I have received letters from XXXX stating that I applied for a Savor One MasterCard which I did not apply for but did apply for a Savor Rewards card and asked for a copy of my application which they failed to provide. This is an out right scam from Capital One!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the late payments reported on my credit report related to the XXXX XXXX XXXX account. This information is inaccurate, and I am requesting that it be removed from my credit file immediately. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account type : Time Share I contacted you to dispute the incorrect information regarding the late payments on my XXXX XXXX XXXX account. Under the following laws, I am requesting that a thorough investigation be conducted and my credit report be corrected : 1. **15 USC 1666 ( b ) - Fair Credit Billing Act ( FCBA ) : ** This law requires credit bureaus to properly investigate any disputes related to billing errors, including incorrectly reported payments. 

2. **15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) - Fair Credit Reporting Act ( FCRA ) : ** Under this law, you are required to conduct a reasonable investigation when the accuracy of the reported information is questioned.

3. **15 USC 1681i - Reinvestigation of Information in Credit Reports : ** This specific provision of the FCRA requires you to reinvestigate any information that I, as a consumer, dispute as inaccurate or incomplete.

4. **15 USC 1692e - Fair Debt Collection Practices Act ( FDCPA ) : ** This law prohibits the presentation of false, misleading, or incorrect information in connection with the collection of debts. 

I request that you carefully review the reported information and provide clear and verifiable evidence of the accuracy of these late payments. If you are unable to provide such evidence, the late payments should be removed from my credit report immediately. 

I have attached copies of relevant documents that support my request for correction, including [ Describe any attached documents, such as account statements, letters from XXXX XXXX XXXX, etc. ]. 

Please notify me in writing of the results of your investigation and provide me with an updated copy of my credit report reflecting the requested corrections. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a open credit card with XXXX XXXX. MY account has always been set up on autopay. 
The creditor, XXXX XXXX is randomly adding late payments to different months and years through each credit bureau. 
In XXXX of XXXX they added a late payment on my transunion account saying it was late for XXXX of XXXX ( two years later ). On my XXXX  they are reporting that XXXX of XXXX is not late but that XXXX of XXXX is late ( this late payment was added on XX/XX/XXXX of XXXX ). They are also reporting a infactual late payment of XXXX of XXXX. None of these late payments actually exist and it seems like they are randomly adding them years later. I have contacted the company who says it is not their problem and there is nothing they can do about it. I have written them letters and disputed this online however they keep deleting and ramdonly adding different months and years of late payments. I need all of these inaccurate reportings removed and I need my account closed with them so they can no longer report inaccurate information. It has been approx 7-8 months since I have been having this issue with them.
Product: Money transfer, virtual currency, or money service

I took a customers personal check for {$4000.00} into the Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX and they would not cash the check. They told me they would not cash anything over {$2500.00}. So I asked to get the {$2500.00} cash and the remaining in a cashiers check and they would not do that either. So going forward I will not be able to do business with anyone who banks with chase bank because I wont be able to cash their checks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported my account as 30 days past due in XXXX of 2023. My account was not past due in XXXX of 2023. I have asked multiple times for the credit bureaus to investigate with XXXXXXXX XXXX  but has been unsuccessful. I even asked XXXX to do a good will correction because even if we were late it truly was cause by circumstances outside our control.
Product: Debt collection

I was called repeated number of times from Arcadia Recovery Bureau and they kept asking me to pay this medical debt. Upon their insistence, I gave up my social security number but did not pay the medical debt as I requested a letter in the mail before the payment. Now after further research, it looks like an illegitimate company.
Product: Consumer Loan

On XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, a lawyer for the plaintiffs in XXXX class actions pending in New York bankruptcy court, confirmed Monday that the XXXX banks agreed last week that within the next three months, they 'll either report this debt as included in bankruptcy and remove any negative information or will delete it entirely from credit reports. 

The lawsuit, filed in Federal Bankruptcy Court in XXXX XXXX, accused the banks of engineering what amounts to a subtle but ruthless debt collection tactic, effectively holding borrowers ' credit reports hostage, refusing to fix the mistakes unless people pay money for debts that they do not actually owe. 

XXXX XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against XXXX, he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. " Bank of America promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since XX/XX/XXXX, court records show, the bank will remove any marks on consumers ' credit reports. 

As it is now XXXX XXXX, more than the three months agreed upon in the settlement, I am requesting IMMEDIATE deletion of the zombie debt reported by BANK OF AMERICA that appears on my credit report.
Product: Credit reporting, credit repair services, 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 delete these items. Please do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a dispute letter ( 609 ) to the three credit bureaus XXXX, XXXX, Experian on XX/XX/XXXX, asking for them to verify the items on my report one in particular the Student Loans from XXXX XXXX and the Department of Education XXXX XXXX were both reporting student loans twice and sent highlighted copies of my report to all three companies along with two forms of identification etc. On XX/XX/XXXX I received a letter from only XXXX saying they were unable to honor my request of sending a revised copy of my report because no specific credit grantor was provided. Again I sent them highlighted copies of my report and highlighted every error that I saw on the report along with the credit grantors. I have yet to hear from the other companies they had 15 days to respond that time has passed. In addition, as I'm writing this letter the President just forgave $ XXXX {$20000.00} in student loans. 
The FCRA also states that credit rating agencies must remove negative credit information after seven years and bankruptcies after seven10 years ... and due to the fact that the reporting agencies can't verify said items then they must be deleted and I should be supplied a new credit report showing the deletion please and thank you. 
In addition, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) properly delete that item of information from the file of the consumer or modify the item or information as appropriate based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint is in regard to my account with the XXXX XXXX through Comenity Bank. They have been falsely reporting that I had a delinquent account with them since XXXX of 2022. I had made a payment in XXXX for the amount of my entire amount of the account of {$610.00}. i now had a XXXX balance. The company had charged me interest on my old balance, even though it was paid, and never notified me. Until XXXX of 2022 I had no knowledge of there being a balance on the account until I had had received a notification from credit Karma that my score had dropped XXXX points due to a delinquent account of XXXX days, and upon logging in and checking I found that it was comenity bank. when i called their customer service and spoke to them about my situation, it was determined that due to a billing and/or clerical error, i had not been responsible for the account delinquency, and that by XX/XX/XXXX of 2022 my account would be rectified, and returned to normal status as well as receiving a credit for the issue. I received the credit on XX/XX/XXXX as promised but saw no change to the reporting to the credit bureau. Knowing credit reporting changes take some time i did not fuss, and about a month later in XXXX of 2022 I decided to take advantage of the + {$200.00} credit I received and made a purchase of $ XXXX, and with the credits I received on the account, and with what is on my last statement, I should only owe {$220.00}, and my utilization of the card would be at 47 %. Literally the day after my purchase, and use of account credits, my credit limit was dropped on the account by {$250.00}! changing my utilization rate from 47 % to a credit damaging 97 %! this if an unfair business practice and fraudulent. upon seeing this I contacted them yet again and they told me all I can do is dispute it to the credit agency.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX and XXXX consistently responds within 24 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, XXXXXXXX XXXX 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.
Product: Checking or savings account

I have reported to the bank that my card was stolen and was used to make unauthorized purchase, the bank failed to acknowledge that and resolve the dispute
Product: Debt collection

In  XXXX , I was stuck on high deductible medical plan when my son   XXXX   XXXX   XXXX  . We incurred roughly {$3000.00} in expenses for multiple   XXXX  . Provider referred account to Collection Resources  XXXX   XXXX .  XXXX , Minnesota. I received a call on from them in the summer of  XXXX . We worked to resolve over time and I thought that we had, however, their understanding of resolution was not the same as mine and I received a bank account debit in the amount of {$2400.00} on  XXXX   XXXX ,  XXXX  without warning or notification. I contacted the firm and asked to resolve in a manner that would not overdraw my account, mean that I am unable to pay for planned car repairs which will impact my ability to get to work and also require juggling of payments and accounts to avoid missing other payments ( such as mortgage ). I was told that they would not negotiate on this and were going to keep my money. My complaints with the firm   : 1. Was told during phone call by representative that they would be unable to enter into a payment arrangement that did not include accounting for payment of balance in full within a fixed time.
2. I was forced to be evasive about ability to pay as a result of # 1 above and veiled threats connected to it. Event  ually, we agreed to a plan in which I would pay {$40.00} per month and make a final payment in full in  XXXX ,  XXXX . During that call the representative listed all of the debit dates but ended that series and mentioned a " final payment '' rather than another debit on  XXXX   XXXX ,  XXXX . It was my understanding that the " final payment '' was to be made by me or at least agreed upon with some warning. Not that I was committing to them debiting my account on a future date for an amount that is greater than my house payment.     3. Even had I agreed to such a payment ( which I firmly believe that I did not ), I do not believe that debiting a large amount without advance notice ... and not a recurring monthly amount ... is not ethical. Had I assented to this debit ( which I did not ), CR was attempting to prey and the fact that I had forgotten. They got the money and ran. A simple {$1.00} letter reminding me that they thought that I had agreed to pay {$2500.00} to them at a time when it would be clear to me would have avoided any confusion, however, this was clearly an attempt to grab money without the knowledge or informed consent of their victim.
Product: Credit card

When I got the card I knew that there was an annual fee for the first year but then I was struggling with my payments recently but I'd always been on time except this payment last Thursday I called to see if I could put off the payment and they said no and that would be charged a late fee but they may wave it if I call back when I made the payment. I looked at my statement and it had a late fee and a strange monthly service fee like XXXX  when I asked about that they said that that was a monthly fee that I agreed to after the first year annual fee and I don't ever remember that and they said I could not have the fee removed because it was part of the agreement I made with them. So I just closed my account and will make the payments until it's paid off.
Product: Checking or savings account

On XX/XX/2021 I turned on my computer and there was a XXXX warning and to call XXXX XXXX immediatly. I call XXXX and spoke to an agent named XXXX XXXX. He said he could take care of the problem but needed to control my computer. He took control and said I had been hacked.He said he would take care of the XXXX and connected me to the U.S. Bank fraud division. I was connected to an U.S. Bank agent named XXXX XXXX ( Phone # XXXX ). XXXX told me they were aware of the scam and that it was being handled jointly with them and the FBI He also told me that the perpertrators were trying to collect {$34000.00} from my savings account. He said that they had transfered the money from my savings to my checking Acct. and are requesting a wire transfer to a XXXX XXXX bank. The funds were transfered without my consent and the wire transfer was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute certified to Equifax on XX/XX/XXXX regarding unauthorized inquiries that were not authorized for employment, insurance, or is it tied to any account. 

XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : XXXXXXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/XXXX 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, personal loan, or advance loan

I never had an account with the name they are listed as information is wrong on my credit report and account was sold off default during coved XXXX
Product: Money transfer, virtual currency, or money service

So I was asking on XXXX if anyone is willing to sell a XXXX charm for XXXX XXXX XXXX, and I saw this guy is doing a give away on the XXXX charm. And he said he was willing to sell it through paypal, the thing is after I sent him the money via paypal he blocked me and did not give me the XXXX charm that I wanted and requested.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit report act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer- provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

About three months ago I opened the secured card with a {$300.00} limit. Cap one then processed a charge of {$1500.00}. I didnt authorize this charge and am shocked since the credit limit is only {$300.00}. Im also shocked because they call me if I buy a big gulp at a new XXXX but they didnt contact me for a large charge on a new secured account. 
As a result my credit utililization is over XXXX XXXX and i! am XXXX days late as i cant afford the payment. This has caused my score to drop by XXXX points. My innlrocess mortgage was declined and I am paying more for my car finance and car insurance. I cant find a rental with my new lower score I only wanted to rebuild my credit after thenimpact of XXXX and a bad divorce. Now I might be homeless
Product: Credit reporting or other personal consumer reports

Beginning around XX/XX/year> I contacted equifax for a hard credit inquiry that appeared on my credit report in which I did not authorize. Equifax informed me that I needed to file a request via mail. I filed multiple request with Equifax. I even found the information of the company that ran my credit and contacted them who informed me that they had evidence that I never made the request due to oddities in their filing system. That companys name was XXXX financial. With roughly 5 or six request to remove the information from my credit report in addition to request submitted by lendmark financial to remove the discrepancy on my credit report, Equifax continued to send letters with refusal and ask for the same paperwork over and over again. I did everything they asked and eventually filed a XXXX XXXX XXXX  complaint. Equifax pulled the same nonsense with myself and the XXXX XXXX XXXX assistant, stating they could not verify my identity and turn could not resolve my problem. They gave me the runaround for about nine months until I finally gave up.