23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a Capital One Credit Card in XXXX. The approved credit card included a monthly membership fee of {$3.00}. 

My credit and income profile has changed significantly since XXXX, and I have tried repeatedlty to ask them to remove it. 

Recently, this year, I was offered a credit line increase. I accepted the increase and later called to revisit the membership fee. 

I was advised, after the representative reviewed my account, that they were unable to change my card type and remove the membership fee. 

Capital One advised that the only way to get rid of the fee is to close the account and reapply for a new credit card. This is a deceptive and predatory practice. Given how credit scores work, if I were to close an account i've held for 14 years, it will negatively impact my score and impact my ability to secure credit as needed. Plus, opening a new account will also impact my score. 

I've called Capital One about this at least 3 times, probably more, without success. 

I understand that I agreed to pay a membership fee, but this practice of forcing me to close the account to remove the fee is predatory and creates severe consequences for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the new law effective XX/XX/XXXX, 2017 public records/tax liens must contain minimum identifying information and be collected at more frequent intervals. A minimum report of Name, Address, and SSN must be included in the Public Record. The tax lien being reported on my credit report does not meet these minimum requirements and should be deleted from my credit report.
Product: Debt collection

It has been discovered that Archon Credit Solutions is acting as servicer for XXXX XXXX XXXX for charges made to the principal, XXXX XXXX XXXX, XXXX. Contact was made on XXXX to both companies to obtain proof of authority to administer the principle 's estate. XXXX XXXX and XXXX XXXX responded by stating they could answer no more questions. The issue here is that no person has any lawful authority to administer or speak to the estate because none was given. No prior consent was given directly from XXXX XXXX XXXX to obtain, share, sell, store, nor transfer any private non-public personal information belonging to the estate. Therefore, it has been obtain by fraudulent means. A report is being made to the Federal Trade Commission regarding this matter and legal counsel is being sought. The estate is seeking redress for the companies to immediately cease collection activity and release all alleged claims regarding any debts.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$32000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to federal law 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature to be sent to me upon receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have reached out to the credit bureaus to correct my account status from charge-off to included in bankruptcy and have been unsuccessful in having this removed/updated. I would like to have this done as quickly as possible because this is causing me some problems in establishing a mortgage loan.
Product: Payday loan, title loan, or personal loan

Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the XXXX XXXX XXXX XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of XXXX XXXX XXXX XXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX XXXXBalance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX BalanceOwed : {$220.00} XXXX XXXX XXXX XXXX XXXX Owed : {$420.00} ; XXXX XXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXXXXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$310.00}.
Product: Credit reporting or other personal consumer reports

I am formally requesting proof and validation of the documentation in question, with all applicable rules, codes, or regulations cited that would mandate the removal of inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( Dispute Accuracy of Information ) and 623 ( Responsibilities of Furnishers of Information ), information providers and credit reporting agencies are required to ensure accuracy and correct or remove incorrect data upon verification of any inaccuracies.

This letter from the courthouse serves as evidence that the information is unvalidated and incorrect. According to FCRA guidelines, inaccurate information must be removed or corrected within 30 days of a verified dispute. Additionally, any state-level data protection or consumer rights laws that uphold the accuracy of reported information should also be adhered to. I urge compliance with these standards to ensure accuracy in this matter and request prompt correction as required by law. You XXXX are breaking the law
Product: Debt collection

I received a call from XXXX XXXX at USI stating that I owed a debt from the 1990 's. He stated it was a credit card from XXXX. The debt was originally with an attorney named XXXX XXXX. The debt was paid in full approx 15 years ago. I told XXXX the debt had been satisfied. He claimed there was still a balance and that I had stopped making payments so now they had the debt. Again, I told him the debt had been satisfied in full hence no payments for 15 years. I told him to get the records from the attorney that settled the debt and he told me the attorney had died, although, I found him online, still practicing, alive and well. He just kept asking me over and over again if I was going to pay the debt. Since then, I have scoured my credit reports, called XXXX and verified, I have no debt with XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I received a negative collection on my Experian credit report for the company EOS CCA. It shows the original creditor to be XXXX. I do not have nor have I ever had any delinquent accounts with XXXX. I contacted XXXX and about this issue and they stated that they had no record of a collection or any type of delinquent account in my by my SSN/Name. I disputed the collection with Experian and it came back as being founded. This is NOT my account and this EOS CCA company is fraudulently putting times on my credit report.
Product: Credit reporting

I was hoping to get my credit report so that I could update my resume with the proper dates of employment., When I had to answer the Verification questions I was asked about a Mortgage and a retail credit card. I have neither. Due to not having thedetails on charges on my credit I DID NOT do I can not access my creditreport to even see where they came from. 
I 'm scared and frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance {$1300.00} Opened XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a fraudulent account reported on my credit file. 

Account Name : JPMCB Card Account Number : XXXX Account open date : Someone has opened an fraudulent account on my name using my Identity for this account for which I am not responsible. 

Please remove this account from my credit file. 

I challange the company to provide me the proof for opening of this account by me.
Product: Bank account or service

I went away to college last year and opened my first student checking account at TD Bank. When I attempted to login to online banking through the TD website, I was encouraged to sign up for an overdraft protection program. I could n't figure out how to " get out of that '', so I signed up. Shortly thereafter, I overdrafted my account and since I was unaware that it happened, I overdrafted again the next day. A week later, TD notified me, via US mail, that my account was overdrawn and I owed {$140.00} in fees. My mom helped me get {$70.00} waived, and the customer service agent we spoke to unenrolled me from the program. Fast forward to a few weeks ago, and the exact same thing happened again. When I asked, I was told that I never unenrolled from the program. However, when I called the corporate XXXX #, I was told that I did unenroll back in XXXX 2015, but the next time I logged into the online system, I re-enrolled. XXXX different stories from them plus I NEVER re-enrolled in this crazy program - I believe their bank system somehow did that. I also believe that TD targeted me as a student who is just learning how bank systems operate and, being a low-to-no income person, this is truly not fair. My entire last paycheck went to paying TD 's fees - and the amount I overdrafted was a measly {$13.00}. Can anything be done about this unfair, misleading and discriminatory practice?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and it is my understanding you will investigates these items for me to ensure accuracy. 

Here is the account I am asking you to verify : XXXX : XXXX
Product: Checking or savings account

This is in regards to Cash App. I created a second Cash App account some time last summer to do some temporary business related things and to create an account you need an email and phone number. I had a secondary email, but for the phone number, I used a free one from an app called " XXXX '' which will let you use a phone number for free through wi-fi. To use the account fully, I also had to submit my driver 's license and social security number. After several months, I stopped using this Cash App account and the free phone number. The app later revoked the phone number due to a lack a usage and eventually gave that phone number out to another person using the app. On XX/XX/XXXX, that person used that phone number to log into my Cash App account and then immediately unlinked my email and change the phone number. I was unaware that this happened because I rarely check that email account, but just several days ago I tried sending one of my friends a couple dollars through my main Cash App account and it stopped me saying that I have reached my {$50000.00} monthly spending limit even though I only spent about {$120.00} this month. After wondering what could have caused this, I checked that email account and could see that on XX/XX/XXXX, someone logged into the Cash App account and unlinked the email. Fortunately I did not have a bank account linked to it, but someone stole my secondary Cash App account and is cycling thousands of dollars under my I.D . and SSN. I have been trying very hard to find a solution with Cash App support, but they are not being very helpful. I repeatedly tell them that I can verify the account is mine with my I.D . and SSN, but they simply won't help. I can also provide screenshot proof that I opened the account with that email and that on XX/XX/XXXX, it was broken into and unlinked. The person controlling the account also recently ordered a cash card and it arrived at my house with my legal name on it. I need to find a way to get this account deleted. 

I attached a screenshot of the email confirmation that I verified my I.D . with that account on XX/XX/XXXX and also the screenshots of the email confirming someone logged in and unlinked that email on XX/XX/XXXX.
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.

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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

XXXX XXXXXXXX XXXX XXXX is reporting incorrect information on my reports and needs to be removed immediately and never placed again its reporting balances that are not correct that includes interest rate charges which by law is incorrect! Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.
Product: Debt collection

In mid-XX/XX/2016, I was sent a credit collection letter for rent payment from multiple credit collection agencies. This was a week since I moved from the property. I received a phone call from XXXX XXXX XXXX, stating that they owned the debt. I notified the representative that her information is incorrect, as I have been already been contacted by two other parties. I kindly asked that NCS send a formal letter showing proof of the debt, with records. This is based upon the FCRA Act. I never received a correspondence. The representative called back less than a week later, where I stated, that everything needs to be in writing, and I have 30 days to reply. 

On XX/XX/2016, less than 30 days, with no written correspondence. The representative placed the debt on my credit report, without my knowledge. The representative seemed to have taken my request for information and knowledge of the FCRA Act as a personal challenge. This was without providing adequate proof of the said debt, and knowledge of other agencies requesting debt collection. 

I have disputed the item on credit report. NCS took it off and placed it back in less than 48 hrs. This is unethical and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00} XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX {$180.00}
Product: Credit reporting or other personal consumer reports

Mohela continues to report to all three credit companies that I have a balance of upwards of {$110000.00}. My loans were forgiven through the public service forgiveness program. I disputed with Mohela and all three credit companies and mohela continues to report the balance. This is a problem because I am trying to buy a house and this huge debt on my report is not accurate.
Product: Debt collection

ON XX/XX/XXXX, I MAILED A FORMAL LETTER REQUESTING A " VALIDATION '' LETTER UNDER TITLE 15 USC 1692. WHICH SHALL HAD INCLUDED CONTRACT AGREEMENT WITH SIGNATURES AS EVIDENCE THAT THE ALLEDGE DEBT BELONGS TO XXXX XXXX. ON A LETTER DATED XX/XX/XXXX, CONTRACT CALLER INC. ATTACHED AN INVOICE IN LIEU OF THE REQUESTED AGREEMENT TO VALIDATE. ALSO INDICATED THAT IF " THERE ARE DISCREPANCIES, TO IDENTIFY THE INFORMANTION AND PROVIDE EXPLANATION ... '' ON XX/XX/XXXX, I MAILED ANOTHER REQUEST. WHICH HAS NOT BEEN ANSWERED. ON XX/XX/XXXX I CALLED CONTRACT CALLER WITH NO SOLUTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continue to state XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX has reported bankruptcy on my credit file. 
XXXX XXXX has advised they are not responsible for the use or misuse of any information gathered by third parties and do not report information to any one. Experian has contiued to lie about this information
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had I three late payments on an account that I was never late for. These credit reporting agencies have assumed a vital role with and have a responsibility to report accurate and factual information. I have never been late on payments to XXXX XXXX with account number XXXX. Please provide me with proof, with statements showing that I was paying this account late. Im not asking you to send me back information saying that the account is verfied. Verification is simply saying that I have the account with this company, that's obvious. I need written proof showing that I was late on my payments.