23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX  XXXX : $ XXXX REPORTING XXXX LATE PAYMENTS. DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX $ XXXX REPORTING XXXX LATE PAYMENTS. DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT AMOUNTS UNDER THE SAME ACCOUNT NUMBER- SHOWING AS CLOSED XXXX ) US DEPT ED : REPORTING AS CLOSED ACCT- DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT AMOUNTS UNDER SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : {$2300.00} - REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT XXXX ) XXXX XXXX  : $ XXXX REPORTING AS COLLECTION- DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX : $ XXXX REPORTING AS XXXX MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER XXXX ) XXXX : $ XXXX REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX : $ XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : $ XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX REPORTING AS SOLD TO ANOTHER LENDER- CHARGE-OFF- DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER. 
XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX REPORTING AS XXXX XXXX XXXX XXXX : $ XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX REPORTING AS CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX REPORTING AS COLLECTION /CHARGE-OFF ACCOUNT DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT ACCOUNTS XXXX ) XXXX XXXX SERVICE- REPORTING AS CREDIT INQUIRY.
Product: Credit reporting or other personal consumer reports

Under the fair credit reporting act it is a violation of my rights to report late payments on my account 15 USC 1666b 15 USC 1681 S 602 and 15 USC 1681 S 604a please have these late payments removed in accordance with US law Account XXXX XXXX this account has been disputed and removed with the cfpb and other credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative accounts.I sent out request to the original contractors asking for proof and all I received was a bill. Experian does nothing to assist in this matter and continue to report on my credit please assist in these
Product: Debt collection

I paid an old XXXX XXXX XXXX debt a year ago and just received a debt collection letter threatening to report me to the credit bureaus. I contacted XXXX XXXX XXXX again and they verified the account was paid, in good standing, and closed.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Recently found out they are not following states apr laws having apr way beyond the allowed amount, nor are they licenced in this state.
Product: Credit card

I sent capitolone a verification form and they said they have done a complete investigation and they had 15 days to do so verification form sent XXXX XXXX 2023 and not returned take this off of report null and void and if closed were my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative from transunion XX/XX/2021 and I told them I do not recognize multiple inquires on my credit report Im a victim of identity theft and I wanted to get it removed immediately the representative denied me service and would not help me dispute the multiple inquiries on my account.
Product: Debt collection

CLOBAL ONE ISCALLING MY CO-WORKERS AS WELL LEAVING NOTES TO THEM HARRASSING ME AM TRYING NOT EXPLODE ON THEM ON MY JOB. USING DIFFERENT NUMBERS EVEN GOING TO MY MOTHER 'S HOUSE WHEN I THEM TOLD THEM I DO N'T STAY THERE. THEY BEEN CALLING ME FROM XXXX,XXXX,XXXX XXXX AND XXXX. THE XXXX NUMBER SHOULD BE THEY MAIN NUMBER. I WISH I COULD SUE THEM FOR HARRASSING ME ON MY JOB CALLING ME XXXX TIMES.
Product: Debt collection

This frivolous account remains on my credit report despite many written complaints to the three credit bureaus. In my First Dispute, I ask that the account be checked and " confirmed. '' According to the three credit bureaus, this company " confirmed '' that this item is being " reported appropriately. '' As a Second Dispute, I request that the First Request be Reinvestigated, because the bogus account is still on my credit report. Following the Second Dispute, the three credit bureaus indicated that this company " confirmed '' that these things were " reported appropriately. '' As a third point of contention, I asked, " Who validated these accounts? '' How did these accounts become verified? Provided me with copies of ALL original documentation ( s ) on files, such as contracts or legally enforceable agreements ( as proof ), with my signature on it pertaining to the disputed account. This company was unable to supply me with a copy of ANY original documentation for this item that I sought. I DEMAND THAT THIS ITEM BE REMOVED/DELETED IMMEDIATELY FROM MY CREDIT REPORT.

I fully intend to file a lawsuit in accordance with the FCRA to enforce my rights, seek relief, and obtain all monetary damages that I may be entitled to as a result of your continuous willful and careless non-compliance under Sections 616 and 617.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My perfsonal information has been used to obtain goods and services. I contacted TRANSUNION and told them that this inquiries are fradulent and provided proof, even though told me that this inquiries were verifed. Please dispute and remove this fradulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Recently, I found out a credit card was opened in my name through Capital One, which I didn't open myself and had no knowledge of. This card was opened in XXXX of 2019 but strangely, this card wasn't even on my credit a month or two ago when I looked at my credit history.I don't understand what is going on with Capital One because they did the same thing to my wife who tried to get a secured credit card through them, highly disappointing. It's the reason why I didn't even bother calling them to take care of the issue, I had to file a complaint since I'm not the only one they've done it to. Also this card was opened the exact same date as my wife 's fraudulent card if I am not mistaken, both in XX/XX/XXXX of 2019. I never received any statements for this card, and it's never been used since the balance is {$0.00}, the limit is {$1000.00}. I asked myself how is it that a card that has been opened for almost a year never used. These fraudulent happenings have been going on, with Capital One being the common denominator. This is very worrisome for a consumer, not knowing who is using my credit. I want this card removed from my credit, it is not mine and I did not open it. This make me question if I should think twice about dealing with Capital One in the future.
Product: Debt collection

I received a phone call from XXXX XXXX on XX/XX/2022 stating that they were calling on behalf of a debt I owed to Mobiloans.com. The caller did not read the debt collector disclosure. He simply stated that his company is a mediator and they were calling to settle prior to pursuing civil action, or before it is attached to my social security number and damages my credit rating. When asked to have the debt validated via mail, the caller refused and stated they do not send letters and only email. 

I reached out to Mobiloans Account Services department and they stated that the debt was sold to XXXX XXXX XXXX and they provided a phone number of XXXX. I spoke with a rep at XXXX XXXX who stated that they have never heard of XXXX XXXX that I should not provide them with my financial information, and that my debt was sold to XXXX XXXX XXXX XXXX. She provided the phone number of XXXX. I have called XXXX multiple times, left 2 voicemails and have not gotten a response. This company has also never contacted me via mail or any other communications regarding this alleged debt. 

I called XXXX a second time asking for a validation to be mailed to me. They refused. I asked for their mailing address, to which they also refused. They claim they are located in XXXX, GA however they contacted me from a XXXX, FL number ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX  and XXXX account 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
Product: Credit card or prepaid card

on XX/XX/2022 I made a {$7.00} purchase on my phone. I was charged {$7.00}, but I was also charged {$32.00}. Capital One sent me a text saying : Hi, its Capital One. Did you just try to make this purchase with your Bass Pro Shops CLUB card ending in XXXX? 
INTERESTING GRIT TABLE DECLINED {$32.00} Text back yes or no to protect your account. 
I TEXTED BACK NO So Capital One Declined the " purchase '' or charge, and so did I. Then Capital One sent me another text saying : Lets take care of this right away. We temporarily stopped youre the use of your card to help keep your account safe. Now lets report any purchases you didnt authorize ( including this one ), and then well send you a new card. FYI, any unauthorized charges will remain on your account until you report them and get a new card. I reported it and we cancelled my card and they sent me another one. I did not make the {$32.00} purchase so it was to be taken off my card. I get my new card and bill and it's still on, I call them. The next month the charge is still on the bill. They tell me it's not fraud, as I received the purchase. Yes, the company sent me XXXX XXXX of lotion which I did not order. I called the Merchant and they would not give me their address to send it back. They said I needed to have a 3-way conversation with them and Capital One. I called Cap. One to arrange that, and the woman said she never heard of that, but would do it. Nothing came of that conversation. It went back into dispute, and is still on the bill. Cap.One sent me a questionnaire to fill out. I did. Every time I call them, they say they need more information, I ask what do you need? They tell me the questionnaire, which I sent them already, to call the merchant, which I did along with the 3-way call, to send them more information. They said the merchant sent the item, so now I have to pay for it... BUT I DIDN'T ORDER IT AND THEY WILL NOT TAKE IT BACK! We keep going in circles, as I've sent them every document and questionnaire they've asked for. I sent them a copy of the texts they sent me. Now it is 4 months later, and the charge is still on the credit card, and they've added fees and interest. I am over XXXX and every time I see their bill or email, or interest and fees, my XXXXXXXX XXXX XXXX XXXX and I lXXXX XXXX XXXX XXXX. My credit rating is XXXX and I told them that they are going to ruin my credit for nothing. I don't know what else to do! Please help! I attached 1 letter they sent me with their case # on it and the merchant name, but do have the other documents which I can not upload at this time.
Product: Credit card

I called to raise my credit limit, without authorizing or being told. I would have NEVER allowed a credit check, as I am trying to purchase a home and need to have a clean check history.
Product: Credit card

I have rented a car XXXX and paid the rental amount with my credit card. After that, i have received almost {$1500.00} bill from the same car rental company for damages to the car which i was not agreed. The rental car company had forged my signature on a paper to charge my credit card and bank of america has denied my dispute even thought the signature for forged ...
Product: Checking or savings account

I learned that at M & T Bank, lost debit cards are not replaced with a temporary while waiting for a permanent card by mail. This could take a week or longer and in the meantime, there is no access to funds held in the account except by ATM ( for which there is a withdrawal limit ) or withdrawing funds through a bank teller but only during hours of operation. 

How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date opened XXXX XXXX XXXX  Balance : {$76000.00}
Product: Debt collection

I've filed multiple complaints against Credit Corp Solutions for violating the fair debt collection act of contacting me before XXXX and after XXXX as well as calling me more than 7 times in a 7-day period. I've submitted proof of this company 's violations of my rights and have received no help from the CFPB, which continues to allow this company to harass me. I've requested that Credit Corp Solutions stop contacting me and to remove any collection remarks from my credit report. They are claiming I owe them {$720.00}. 

Now, Credit Corp Solutions is contacting my family members attempting to collect a debt. This company has not once submitted to me any proof of debt. They claim they are the original creditor, and I have no known accounts with Credit Corp Solutions. I am submitting a screenshot of this company contacting my relative attempting to collect a debt on my behalf, which is violation of CFPB collection practices. The number listed to contact in their message is XXXX -- which is the contact number of Credit Corp Solutions. 

PLEASE HELP ME!
Product: Payday loan, title loan, or personal loan

Crediterium sent an email saying I was approved. When I asked to speak to XXXX XXXX I was told I never applied for a loan. When I read it she said the email was sent a month ago. I explained I just got the email. They only have one receptionist to answer the phone. The receptionist is the rudest person I have ever talked to at a business. Because the phone calls are recorded they can pull the calls and dictate the entire call where I repeatedly asked to speak to someone else. Also the have a message line that was full so leaving a message was not an option.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report XXXX XXXX XXXX XXXX XXXX - {$990.00} XXXX XXXXXXXX - XXXX - {$1000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit card

I received an unsolicited business credit card for from XXXX, a company that I do not know, never did business with, nor requested information from. I never contacted this company nor solicited any credit card / loan, but they send me a credit card ( loan ) for {$500000.00} - Which is absurd. I would like to request for this company to stop calling me and stop mailing us this kind of unsolicited offers, because I do not want any of it. Today I called the company at number : XXXX to request to be removed from their list and make sure they stop sending this offers and the employee said that is not possible and said someone from my company requested this. This explanation is impossible because my company has no employees, only volunteers. PS : all of our volunteers have no access to any financial information either.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies they have failed to investigate my claims inadequately. They have also told me that it was impossible to track or report these funds. This has caused great harm to me and lead to feelings of neglect and lack of assistance when I needed most.
Product: Debt collection

Credit bureau still reporting the accounts as a " Charge-off '' accounts were paid and the company agreed to removed or changed the payment status " Charge-off '' from all my credit report. Credit Bureau never deleted, They company instead updated my payments history and never sent me a 1099 form for my taxes, which I have been requesting since XX/XX/year>. I have sent letters to the credit bureau and company, and they never sent me what i am asking for.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX {$3100.00} Date Opened XX/XX/XXXX XXXX/DEPT OF ED {$31000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$8700.00} Date Opened XX/XX/XXXX Inquiries XXXX ( Finance ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Debt collection

I sent merican redit cceptance A certified letter via usps tracking # XXXX which arrived on XX/XX/2021 at XXXX. In the mail I sent was documents they sent to me violating my rights saying I owed a debt when by law I know I dont. As well as invoices for the violations. Below 15 usc 1692c. C2, 15 usc 1692c. C, 15 usc 1692c. b, 15 usc 1692b. ( 2 ) and as I write this today XX/XX/2021 American credit acceptance came and repoed the car which is a violation pursuant to : 15 usc 1692c. C.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following Accounts, have 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.

15 U.S.C 1681 ( 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. 1681-2 ( 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. 


I've been a victim of identity theft and never applied for any of these accounts : Transunion : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX still hasn't responded to my disputes. It has been over 60 days. I am heavily stressed and I've had enough of the bureaus taking advantage of me. I've attached the 30 day demand to comply. These accounts has to be deleted immediately.
Product: Debt collection

I 'm contacting your agency to understand why my account with Bank of America would be transferred to a collection agency and per the letter from the agency account is in a delinquent status. I understood only collection accounts are turned over to agencies for payment. The letter from the agency is dated XX/XX/2015 and Bank of America has just processed my latest payment to them on XX/XX/2015.Please advise
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with Loanme that I pay {$740.00} that was paid on XX/XX/year>. Then, on XX/XX/year> immediately after that transaction Loanme drafted another transaction from my account in the amount of {$940.00}, which I did not owe and on my bank account it clearly states this payment is for XXXX XXXX, of which I do not know and I am not responsible for. I have tried to contact Loanme since Monday XX/XX/year>. I finally sent an email on Tuesday, of which no one responded. I then tried calling again on Wednesday XX/XX/year> and spoke with XXXX XXXX. She requested that I send bank records showing the transaction which I did immediately on XX/XX/year> around XXXX. I heard nothing after that. I called back the next day XXXX  XX/XX/year> and they stated that my bank record showed a negative balance after the transaction so therefore they could not refund the money they stole from my account for someone else 's loan. My bank records DID NOT SHOW a negative balance after the transaction. I sent the records again, highlighting the POSITIVE balance on XX/XX/year> and they will not respond to my emails or answer my calls. I need my {$940.00} back. THIS MONEY WAS STOLEN FROM ME!
Product: Credit card or prepaid card

Used Citibank credit card to rent a car  XXXX / XXXX / XXXX . I was over-charged. I have the receipt to prove it.     I dispute the over-charge  with Citibank. Citibank c losed the dispute on  XXXX / XXXX / XXXX  stating this : " We have attempted to resolve this dispute with the merchant and/or their bank but have not been successful. The merchant refuses to issue credit to your account. They maintain this charge is for a portion of your rental.   We have no further recourse to obtain credit for you. You will need to seek other means to resolve this matter. We have now closed our investigation of this dispute. '' I feel that  Citibank should believe the consumer first. I showed the actual physical receipt showing the proper amount that should be charged. Citibank ap pears to side with companies.