23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was under the impression that my student loans were under the forbearance that was extended until the end of the year XXXX XXXX XXXX. I never received any communication from AES about my loan payments starting back up again. I use paperless billing and never got an email or a phone call about this. The only reason I realized what had happened was I got XXXX or XXXX emails in a day from my credit reporting agency that my credit had been lowered. Checking my score revealed that it dropped XXXXXXXX XXXX Devastated, I contacted AES and spoked with a Customer Service Rep. who said that they sent out emails and letters, but I never received them. I checked my trash thinking I deleted them by mistake. No, there wasn't a single email stating my account was past due. I use my phone a lot for my job and receive numerous phone calls. I never received a voicemail stating that my account was past due or that they would be taking action on my credit report. When I asked if there was maybe something they could do, because I was never informed she flat out refused and said that it would it ruin the integrity of the credit reporting companies if they did. I think it's egregious that I was never informed and the only way I found out was through my credit company letting me know that my account took a massive hit. XXXXXXXX XXXX  that's ridiculous, especially after I took my time and care to build it back up after being affected by the pandemic. There was no sympathy or willingness to help someone who clearly needed. It's companies like this who have preyed upon people and don't have anything done to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month this year I have disputed old information name spelled wrong as well as affidavit of truth to go along with fraud Inquiries nothing has been done. And I dont know what else to do! Im so frustrated and Im not sure what needs to be done but I need help immediately.
Product: Credit reporting or other personal consumer reports

Hello Sir/Madam, I recently viewed my credit report and noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX in XX/XX/XXXX XXXX I have contacted XXXX XXXX XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX, and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. Therefore, I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully I look forward to your immediate action.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, U S DEPT OF ED : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results 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.

And according to 15 USC 1681s-2 they are supposed not to 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: Money transfer, virtual currency, or money service

My cash up had gotten hacked they was asking for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't move forward with my life with these unverified accounts. Something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-I called XXXX XXXX XXXX  Customer Services ( Vervent/Total Card ) regarding an outstanding account listed in my name with there company. The CSR informed me that the account was closed and there was nothing she could do. 
XXXX mailed a certified letter to XXXX XXXX XXXX ( Vervent/Total Card ) Corporate Office regarding Debt Validation of the outstanding balance that I called about in XX/XX/2020 listed above. To date I have not received a response regarding my request. 
XXXX disputed the information to XXXX XXXX, and XXXX, that I did not receive debt validation from XXXX XXXX XXXX  ( Vervent ) regarding account listed above. Each of the Credit Reporting agencies validated the debt was accurate even though the company did not validate debt. 
XXXX I called XXXX XXXX XXXX Customer Service ( Vervent/Total Card ) one last time for a resolution. XXXX ( CSR ) indicated once again there was nothing that the company could do. 

The company did not validate the debt, continued to report the information to the CRA 's and when I disputed it with the CRA 's they continued to report an invalidate debt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

Please see my previous correspondence for more information on this matter. Let me make this perfectly clear. My biggest concern here is not that I received or didnt receive your response. My concern is that there is still a close to $ XXXX fraudulent charge showing on my account even though I promptly reported the charge as fraud!!! I am requesting an immediate re-investigation and removal of the charge from my account under my rights under the FCRA. I am scheduled to make a payment on this card for over $ XXXX on XX/XX/XXXX and I do not have the funds in this account to cover a FRAUDULENT CHARGE OF THIS INSANE AMOUNT! I will provide any documents necessary that you require for the re-investigation of my whereabouts or what have you to prove to you people that this is fraud.This is really getting ridiculous.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account XXXX : XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX has an account setup on XXXX XXXX as a Profit Share business partner with a luxury XXXX XXXX XXXX listed for rent. XXXX is aware of the account. The business owner advised if a security deposit of {$350.00} is sent along with photo of driver 's license and a reserved pickup time, car would be physically dropped off at desired location. After communicating with XXXX over phone, and through text, she advised to send security deposit of {$350.00} through Chime. After funds were sent, XXXX blocked my phone number and sent to voicemail. The incident was reported to Chime along with multiple screenshots of conversation and a police report was filed but complaint was denied twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written numerous letter to TRANS UNION since XXXX XXXX XXXX exceeding my rights as a consumer. I am the original creditor and no one can report anything to my consumers credit report without my written consent. 
I know that TRANS UNION received my letters because I sent it with a return receipt and they still have yet to grant me my request. How can TRANS UNION keep breaking the U.S.Code? Please send me a copy of my written consent.

Under 15 USC 1681b ( 2 ) - Permissible Purpose of consumer reports in accordance ( 2 ) with the written instructions of the consumer to whom it relates!!

TRANS UNION do not have permissible purpose Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

Its been well over 30 days and my demand for these items to be removed have not removed at all.

TRANS UNION took information from someone else other than myself and reported it to my consumers credit report. TRANS UNION and the companies liable are committing identity theft/fraud. Thats aggravated identity theft!

( 18 USC 1028 ).

Under 15 USC 1681a ( 4 ) Accurancy and fairness of Credit Reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy!!!!

As a consumer, I have the right to fairness of credit reporting! No One can dictate what goes on my report other than myself! 

These are just a couple laws that TRANS UNION has broken. 

TRANS UNION knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; I DO NOT HAVE TO REACH OUT TO A THIRD PARTY COMPANY IN ORDER FIR TRANS UNION TO REMOVE THESE INQUIRIES. TRANS UNION HAD NO PROBLEM WITH REPORTING NEGATIVE INQUIRIES TO MY REPORT. I ALSO DO NOT HAVE TO MAKE A POLICE REPORT. TRANS UNION AND OTHER PARTIES ARE THE ONES COMMITTING FRAUD.
Product: Credit card or prepaid card

1. XXXX XXXX XXXX XXXX. I have not received any updates or request of more info. When I have saw the charge in XXXX I have called and rude rep said that there is nothing to do. NO ONE EXPLAINED anything. also I have explained that XXXX XXXX   demanded payment for holding truck hostage they made us sign the blank invoice. They just did not let our truck go before we pay them. So they did not provide the service and just demanded the money. I had prove that we had to fix the truck in other show. But looks like Capital one supports this fraudulent activity and did everything by not providing me ability to explain the situation more if they needed. Just waited the time and charged back. 
2. XXXX again same story. NO LETTER WAS SENT TO ME!!!!!!!!! the same thing as with XXXX XXXX XXXX XXXX  Capital one did everything do not provide the ability to respond. I HAVE NOT RECEIVE ANY MAIL, EMAIL, OR CALL. THERE IS NO OPTION TO CHECK THE CLAIM STATUS ONLINE. 
3. XXXX there is no credit posted as of today XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) states I have a right to privacy. Experian violated this right when they provided my consumer report to XXXX XXXX XXXX on XX/XX/2022 without my authorization. Furthermore, I have a freeze on my consumer report which means you violated 15 USC 1681c-1 when you provided my consumer report to XXXX XXXX XXXX XXXX Experians negligence has caused me severe damage. 15 USC 1681o makes you liable for damages caused by your negligence. I am requesting monetary relief in the amount of {$2000.00}.
Product: Credit card or prepaid card

Recieved a XXXX XXXX card in the mail today in my name. The only phone numbers provided by the company - XXXX is an automated system that hangs up on you unless you provide a card number or SSN. I am not providing either to a company that is sending me finical accounts that I did not ask for. 

I have no way to contact them to see what this card is about, why, who, or when it was requested. 

I am not sure if they are planing to charge me the monthlyyearly fees associated with this card, as they are hiding behind an automated phone system. 

Associated names : XXXX XXXX XXXX XXXX Netspend XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/2020 I called Barclay 's and asked them if I applied for for multiple things would I get " 1 '' hard pull there customer service. 

On XX/XX/2020 I did what they told me to do and they gave me " 4 '' hard pulls on my credit. I called them up right away explaining why I did what I did as that is what there customer service told me to do. They are telling me each card get 's its own pull which is not what I was told day prior I was told 1 hard pull if done same time.

I can not have " 4 '' new hard pulls on my credit. I have no problem having the 1 hard pull as I was going by what Barclay 's customer service told me to do.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the ongoing issues I have been experiencing with Capital One 's Venture X Card, and the lack of resolution from the bank despite multiple attempts to seek assistance. I have been diligently flagging this issue with Capital One for over a year, starting in XX/XX/XXXX, and have received no satisfactory response or resolution from them. 

I was deceived into signing up for the Venture X Card due to the promised benefits and perks, including a credit of {$300.00} annually to offset the hefty annual fee. However, since upgrading, I have encountered numerous problems with my account, which have significantly impacted my ability to fully utilize the card and its advertised benefits. 

Firstly, the travel credit of up to {$300.00} to offset the annual fee has not been accessible to me as promised. Despite repeated attempts to contact Capital One 's customer service and provide evidence of my eligibility, I have not received the credit, resulting in me paying the full annual fee out of pocket. This not only constitutes a breach of the terms and conditions of the Venture X Card, but it also feels like a blatant deception and false advertising on Capital One 's part. 

Secondly, my account has been plagued with technical issues ( which prevent me from accessing the credit ), such as frequent errors in the online travel portal for any type of bookings. These issues have caused confusion, frustration, and unnecessary time spent on resolving them with Capital One 's customer service, but the problems persist without any concrete resolution. This lack of proper account management and technical support is unacceptable, considering the premium fees associated with the Venture X Card. 

I have made multiple attempts to seek assistance from Capital One through various channels, including phone calls, emails, and online messages, but the responses I received were generic and unhelpful even when speaking to supervisors. I have provided detailed documentation of the issues I have encountered, including call records, to customer service but the bank has failed to acknowledge or address them effectively. This prolonged negligence and lack of accountability from Capital One is unacceptable. To this date, my travel portal still does not work as verified by a phone call made today XX/XX/XXXX @ XXXX XXXX PT to Capital One.
Product: Debt collection

CENTRAL PORTFOLIO CONTRO a debt of XXXX appeared on my credit report as in collections. I have no knowledge of this account or company and never did any business with them. I disputed this account with XXXX and XXXX but it has not been removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one bank has a inquiry never auth to pull my credit XXXX XXXX also and XXXX
Product: Debt collection

I was buying a townhouse and I was looking for homeowners insurance and I got estimates from insurance agencies. I found the insurance company I wanted to use which was my auto insurance company. I let the other insurance companies know that I chose my insurance. This company is the only one who is trying to collect on a debt that I never had. My mortgage company pays the insurance the only company I've ever used for insurance. I closed on my townhouse in XXXX, this collection showed up on XXXX, showing I owed {$240.00} to a company I never had an account with. I called the collection agency and made them aware of this, but nothing was done. I've had it removed from 2 of the credit reporting agencies now it's showing up on XXXX. XXXX and XXXX have removed it. I want to know if there is a legal action I can take.
Product: Credit reporting or other personal consumer reports

1st I explained that my name was wrong on the accounts and when I explain to them and sent my correct name all they did was correct the name on the accounts and didnt take them off of my credit report if its the wrong name how can it be mine? Secondly the dates on my report say accounts were open coincide when I was XXXX I was XXXX XXXX XXXXo XXXX then two XXXX to XXXX. I have accounts opened in XXXX XXXX I am trying to sue these companies. Thirdly, I havent talked to anybody from these collectioncompanies and they are steady updating a date so they can reset seven years 10 years whatever that does but I havent spoken to anyone all I have done was disputed through the three credit bureaus, and they will not correct my credit report. If any accounts were open between the years of XXXX to XXXX with my correct name address and signature my signature then thats what I want to see but other than that it would be seven years from them dates right now they are trying to say that they contacted me and started my dates over to get another 7 to 10 years to have me with bad credit so its a lot of things going on with this complaint, but Im not getting any results