23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I went into the Navy Federal Credit Union ( NFCU ) branch located at XXXX XXXX XXXX, XXXX, VA XXXX. I saw a teller to make a couple of transactions. I was paying some bills with the funds coming out of my checking account. I told the teller that I was making a payment of {$100.00} to my credit card and a {$100.00} payment to my personal loan. I told the teller that I wanted to pay my car note but that I was not sure of what the exact amount The teller proceeded to look up the amount that is due and also made it a point to let me know that my car loan was paid up until XX/XX/XXXX and I told her that I was aware and that I was making XX/XX/XXXX 's payment. The teller said ok. At the end of the transaction the teller gave me three slips showing that a payment was made to three accounts but the receipts do not say which account so I thought that everything was done and done  properly. It was not until XX/XX/XXXX around XXXX XXXX  that I realized there was an error because I had received and notification that there was a change on my credit report. So I proceeded to look at my credit report to see what the change was it said that my balance had increased by {$77.00} in interest due to a missed payment. I then reached out to NFCU around XXXX XXXX  to address had been posted to my credit report and it was at that time that it was discovered that the teller had taken my car payment and applied it to the wrong account. The teller told me that they could reverse the payment to the wrong account and apply it to the proper account. I explained to the customer service representative ( CSR ) that the account that my car note had been applied to was now closed because it was paid off. The CSR then told me that I could just make another payment it I wanted to but that since my auto loan was paid up for months in advance that it really would not affect my credit. I explained to the CSR that if that were true then I would not have gotten a notification that there was a change in my credit status. I have tried to speaking with a supervisor and was not able to get any assistance.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing a recent copy of my [  XXXX   ] c redit report I noticed acredit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX
Product: Debt collection

A collection agency called The Bureaus Inc. put a collection on my credit that is not mine. It is fraud. They never informed me that they were putting anything on my credit. They just did it. I have asked them to remove this fraud and they refuse to do so. This agency is not legal or bonded to collect in my state. They are in violation of the Texas Finance Code
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I was behind on my credit card, I say at least a month or two. I ended up paying it off then the company said my account was closed but I 'm still receiving payments I need to make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forth with Transunion and XXXX trying to ensure that my credit card is being reported correctly. I have had excellent history and had this XXXX since XXXX. I've contacted both agencies 3 times in order to resolve the issue. Each side continues to say its the other 's fault. XXXX stated that there is some sort of ID block or fraud, I contacted Transunion and they said they removed a freeze and a lock on my report and to have chase resubmit a reinsertion request which chase has done. I keep going back and forth with these XXXX companies and no one can seem to resolve the issue and I just want it fixed. I believe when I had some identity theft back in XXXX they XXXX have messed something up on transunions end and filed something incorrectly. They say the Transunion XXXX XXXX can fix this but I'm tired of being on the phone. I've spent over XXXX hours total talking to both of these companies and am Fed up and need a resolution. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried contacting Checkr through phone and email. Their phone is useless since it doesn't take calls. Their email just sends the user to automated response. This company is reporting false information about me. They need to take responsibility for their actions and fix this. I'm appalled that any business would use this company to gather information. What a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from XXXX  and TransUnion. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX XXXX All three agencies are manipulating credit scores to their advantage. For several months ( about 7 ) my credit score was slightly below 600 ( XXXX ). As I was following all of their guidelines on how to restore my credit slowly for years my credit score would only go up one to two points at a time. As I was about to go over 600, my credit score plunged almost 54 points and advertisements for XXXX XXXX  ( which takes data from your personal checking account on an insecure breach ), and various other ways to improve my credit AT A COST, or enrollments of a program again at a cost or ways for these companies to gain more personal information such as checking account information which is just another wormhole to data. Even use fear based advertisements such as, suggesting I keep a closer eye on my credit reports by paying a fee to watch all three reports closely! Why do we as a public entity have to pay to see what our credit scores are when these agencies are taking our data for free!!!!! 
They are stealing my data to gain monetary satisfaction for their corporations! 

Because they have manipulated my score I am actually paying higher interest rates on student loans, car loans, can't get a mortgage. I have had to pay attorney fees to XXXX XXXX to try and repair my credit. 

In one month I lost 23 points on a credit score for no valid reason bringing my score way below 600 points. Then the following month they gave me one point back! 



This is a criminal act. These credit reporting agencies are using my data for free to manipulate my credit score so that in turn I pay for services to repair my credit!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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: Mortgage

I received my escrow analysis XX/XX/2016 stating there is a shortage in the amount of {$270.00} and if made in full by XX/XX/2016 my mortgage payment would be {$950.00}. I made four payments in the amount of {$70.00} totaling {$280.00}, final payment received by Chase was XX/XX/2016. I have made three ( 3 ) calls to the customer service area trying to get this corrected as they have applied the escrow payments to everything but the escrow account. I received a statement XX/XX/XXXX stating my payments were {$970.00}, this was paid, then I received another statement XX/XX/XXXX after the 3rd call stating the payment amount starting for XX/XX/2016 will be {$960.00}. For the next 11 months there is a difference in favor of Chase of {$150.00} from what my escrow statement stated my payment of {$950.00} should be once the {$270.00} shortage was paid. Every year my escrow is short and I can never understand why, I make the additional payments through out the year and the funds never seem to add up. I am requesting assistance in getting this corrected as I do n't seem to be getting anywhere with the customer service department.
Product: Credit card or prepaid card

To Whom It May Concern : On or around XX/XX/2021, I purchased two tickets to see XXXX XXXX performed at XXXX XXXX XXXX in XXXX, XXXX on XX/XX/XXXX, XXXX I used my Capital One XXXX branded credit card to make this purchase. Shortly thereafter I attempted to dispute this charge online because tickets were never issued for the concert. I thought that I might have fallen victim to a fraudulent website that was either a ticket reseller, or a fake company altogether. CapitalOne issued a provisional credit. 

I should also mention that I attempted to complete a written dispute through CapitalOnes system, but the automated fraud-handling questionnaire instructed me to call CapitalOne revolving this dispute. Its my understanding that disputes that are phoned-in do not give consumers the same protection as written disputes ; however CapitalOne guided me to make a dispute over the phone. 

On or around XX/XX/XXXX, Capital One reversed the provisional credit, but never alerted me they had deemed my dispute invalid. I received no notification whatsoever. After an extensive search, I am confident I never received a phone call, an account alert, an email, or physical letter. 

On or around XX/XX/2021, additional travel restrictions were put in place requiring Americans traveling to XXXX to quarantine for an additional 2 days due to the Omicron variant. This effectively cancelled my trip to XXXX. 

I am escalating this dispute, because its my understanding that CapitalOne did not follow all requirements as outlined by the Fair Credit Billing Act. Furthermore, CapitalOnes actions could be considered an UDAAP violation, as they never alerted me as to why my dispute was rejected. 

I am requesting the CFPB compel CapitalOne to issue a charge-back to the merchant ( XXXX XXXX XXXX XXXX and refund the cost of the tickets, which comes to {$130.00}. I would also like an explanation as to why the provisional credit was reversed without any accompanying verbal or written communications to me. Its my understanding that communication is required by law. 

Thanks and regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The three major credit bureaus XXXX, Trans Union, and XXXX failure to report correct payment history for XX/XX/year> with XXXX balances for indigo card and Milestone card with XXXX balances with no lates.was told information was sent to bureaus but there is no proof on record.
Product: Credit reporting

Equifax has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Equifax. Equifax has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Bank account or service

Discover Bank is mishandling my account and not doing as they state when it comes to disputes putting me in danger of my account. I do not trust the way they have handled my account. They are being dishonest in their accounts and making it my issues that they have mishandled it and stating that they will take up to 45 days to correct their issues and problems.
Product: Credit card

American Express has closed my account even thought i told them i was a victim of human trafficking. I would have paid and did not have the capacity to do so becuase i was a victim.
Product: Credit reporting or other personal consumer reports

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 


XXXX/XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX  Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update.
Product: Debt collection

I am one of two people with the same name who were born in XXXX, Texas a few years apart, and both lived in XXXX XXXX at the same time. From time to time debt collectors contact me ( or my employer ) regarding this person 's bills. This has happened before with XXXX  debt as well. The other person is a XXXX and I'm furious that I now have a collection report on my otherwise pristine credit report. I'm furious that they didn't verify my identity before ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act. XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

I.C. System, Inc account number : 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 adversevitem of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C Apersonshall not furnish any information relating to XXXX XXXX reporting agencyif the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and the following accounts and inquiries were added to my credit file without my consent : Accounts to Be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$760.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$610.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$160.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$6300.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$640.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX
Product: Mortgage

Free on mortgage I gave them back the house in backruptcy the failed to take possession turning my house into a zombie house
Product: Credit card

I received a credit card prescreened offer in my mailbox, today XX/XX/XXXX. XXXX. I found the instructions for opt out and attempted to OPT OUT. OPTOUT ISNT WORKING and THEY DID IT ON PURPOSE. The phone service doesn't work. The " website '' for opting out DOES NOT HAVE OPT OUT AS AN OPTION. The fun part is where they provide an address to mail a request to opt out and " comments and suggestions '' and it directly says in tiny print it will not process anyones mother trucking opt out request. I requested several years ago, when I began a descent into poverty and anti XXXX medications, that I NEVER receive any more prescreened Credit Card offers EVER. I live alone on a two lane in the woods and am not able to XXXX XXXX out to get my mail everyday ; because I might have had a XXXX. I had someone steal out of my mailbox and send in one of these sinister devious heinous evil offers several years ago and I got sent a bill showing I have XXXX balance and A CREDIT CARD I NEVER APPLIED FOR!!!! Curse them all! Cheating Credit Card Frauds!!! May an active volcano erupt in the middle of every credit card company 's buildings while the few greedy owners are locked in the top floor. Please make them stop attacking me. I tried to use their optout FAKE website and they are cheating everyone by making it so it wont work. They should be put in stocks for this.