23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX - We discovered that our credit card was 4 days in arrears in paying our bill, and called Capital One to resolve. The clerk said she could initiate a transfer from our XXXX account, and I authorized the transer without giving her an account number. She initiated the transfer from her side, but using an old XXXX account number and sending to XXXX. The transaction number was XXXX. 
XX/XX/XXXX - I discovered online that the transfer of {$10000.00} from XXXX using acct # XXXX had been rejected by XXXX. 
XX/XX/XXXX - I called the bank for an explanation of the returned transfer and was tranferred to the Capital One Fraud Dept, hereafter referred to as, " XXXX XXXX XXXX. '' They told me I needed to pay the full amount again plus interest, and also to provide them a statement from my XXXX account, while they " investigated '' the transaction. This I did, immediately, sending them a copy of my XXXX statement ending in XXXX. 
XX/XX/XXXX - Noticing online that the accoount was still frozen, I called Capital One and was immediately routed to the XXXX XXXX where I was told my documentation was still not in order, and that the investigation could not proceed untill I sent them documentation for acct # XXXX. ( the account from XXXX that their clerk had erroneously used for the initial rejected transfer ). When I complained that I did not have that account documentation the customer service supervisor ( " XXXX '' ), hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXXXXXX XXXX account # XXXX. I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments to wrong information reporting this is unfair
Product: Mortgage

would like to know if this derogatory statement can be taken off, although it was not foreclosed and ended up Short Sale. this has been a hard hit for me and getting to refinance is a show stopper. They got there money through short sale. This happened 2012. All I am asking is to please remove this statement as it not true and never happened a Foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past week, XXXX, Transunion, and XXXX, have dropped my credit score by more than 70 points. The " changes '' were an account that had bee fraudulently obtained was deleted from my credit report and I took advantage of the COVID relief program and modified my mortgage which resulted in a lower payment and while the costs of the modification were financed in, the loan is 80 % of the current value of the house. So I am unclear how being in a better position with a lower payment can negatively affect a credit score. 

I also fail to understand how the removal of an account that was the result of fraud can lower one 's credit score.
Product: Debt collection

I've been HARASSED FOR YEARS by the creditors for XXXX, an Internet Service Provider. I switched to a different ISP because their service was unreliable. I even recorded XXXX phone calls with their employees, who were telling me to try different things in order to get the Internet service I was paying for. I sent them and their 1st creditor copies of this recording! XXXX became angry because I switched to XXXX. I DON'T OWE THEM A XXXX! They owe me {$10.00} for the last week I paid for their service but didn't receive. 
I have sent letters in response to THE LATEST creditor that is harassing me. Then they eventually give up and hand me over to YET ANOTHER CREDITOR! ENOUGH ALREADY!!! I'm NEVER GIVING THEM A DIME. I refuse to keep paying for something they can't provide me with! I've been homeless for the last year and no longer have copies of the letters I sent them disputing their claim. My life IS VERY STRESSFUL as it is, and I don't need EVEN MORE XXXX to deal with!
Product: Credit reporting or other personal consumer reports

I pulled my credit report and it had a lot of addresses, phone numbers, and employment that doesnt belong to me and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an alleged account. I have disputed this account on numerous occasions. Experian keep saying that this alleged account has been verified but XXXX  will not send me documentation of the alleged account. A bill is NOT Documentation. Experian is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all the different laws the XXXX  of nunneries of 609 letters and they are continuing to do the same thing. Experian knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}. 
( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit
Product: Debt collection

My identity has been compromised by someone I do not know. Please feel free to contact me with any questions or concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently obtained a copy of my credit report and noticed account that i did not auhtorize
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX  XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX bank XXXX XXXX : XXXX bank XXXX XXXX XXXX bank XXXX
Product: Debt collection

This company reported to the credit agency that I did not pay the debt. I explained multiple times I was not the responsible party that was financially responsible, even in their validation of debt that the company sent to me. It showed the XXXX XXXX was 100 % responsible and if they took the time to file the claim properly they would have been paid without trying to collecting the debt from me and trying to destroy my credit by reporting to the reporting agency that I did not pay the medical bill. 
Recap : The CFPB should protect the consumers from allowing a debt collector to destroy someones credit when the debt was paid in full by the insurance company which is what I have been telling everyone from day one! 

Please see attached showing the claim was PAID to the medical doctor in full. All this could have been avoided if they just properly requested payment to the insurance company. THIS COMPANIES LICENSE SHOULD BE REVOKED! 

The debt was paid by XXXX  XXXX Claim number XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

Constantly receiving Lack of substantial credit history - XXXX  error from Transunion when having a long and great credit history. 
Multiple incorrect information especially USDA mortgage ( listed on TransUnion as having high balance XXXX absolutely false and incorrect ) Listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my personal phone! 
Sharing my information without consent. 
Recently been victim of a data breach. 
Trying to get TransUnion my credit history straight, I have almost perfect credit score, then why I constantly hit with adverse credit report notice? Nothing get fixed.
Product: Student loan

Previous complaint - XXXX & XXXX - Payment of {$5000.00} initiated on Mohela 's website on XX/XX/year> has still not been applied to the loan. Mohela has confirmed receipt of the funds, but offers no timeframe for resolution. This is a significant amount of money and I have lived up to my responsibility as a borrower by paying back the loan, but the same can not be said for them as a servicer. Given the prolonged nature of this issue and the continued lack of resolution, I request immediate and urgent action to rectify the misapplied payment on my account.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible .Thank You
Product: Credit reporting or other personal consumer reports

I have never used Southern finance company before. When I was disputing the transaction on XXXX they said they found two accounts. XXXX dollars was not cashed by me. Southern finance needs to be taken off of my account please. 

Now for XXXX  XXXX, they have reported my payments incorrectly. It states I havent made a payment since XXXX when my last payment was in XXXX of XXXX. I havent missed a payment. Im almost done paying the loan off as well.
Product: Checking or savings account

I was out of town when someone stole my card. Upon finding out that my card was stolen I immediately called the bank to inform them of unauthorized transactions. I was out of town from XX/XX/XXXX - XXXX you can see on my bank statements I was using XXXX XXXX instead of my card in XXXX Texas. On about XX/XX/XXXX my card was used for the amount of XXXX dollars and XXXX dollars I was given credit but then it was taken from me. I would like for my money to be given back.
Product: Debt collection

I was never contacted by Central States Recovery. However, they later listed four debts in XXXX on my credit bureau. These debts are listed as medical debts from XXXX, XXXX, and XXXX. These debts are clearly outside of the statute of limitations. Further, the reporting of the debts constitutes both communication and their intent is to attempt to have me pay the debts which could be classified as a demand on a debt that is outside of the statute of limitations. An action that is clearly in violation of the FDCPA as well as the Fair Credit Reporting Act, state law, and case precedence. 

I am consulting with an attorney for possible legal recourse against Central States Recovery.
Product: Vehicle loan or lease

ON XX/XX/2021 CAPITAL ONE obtain my credit report from XXXX XXXX AT XXXX After the company sent my credit application. After the company CAPITAL ONE AUTO FINANCING Reviewed my credit application capital one said in there letter that the company can not provide me with a auto financing at that time which is False and Misleading & adverse action. 

( I AM A CONSUMER ) CFR 16 CFR 433.1 ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. 

My credit card was use in this transaction which i did not benefit from this transaction. 

CFR1026.12 Special credit card provisions ( b ) Liability of cardholder for unauthorized use ( 1 ) ( i ) Definition of unauthorized use. For purposes of this section, the term unauthorized use means the use of a credit card by a person, other than the cardholder, who does not have actual, implied, or apparent authority for such use, and from which the cardholder receives no benefit. 


According to 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) Regulation B protects applicants from discrimination in any aspect of a credit transaction.

CFR 1002.7 Rules concerning extensions of credit - ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 

( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ;
Product: Credit card or prepaid card

I opened a dispute with American Express for a missing payment on my account of {$7000.00}. AMEX sent me an e-mail saying I was not responsible for the amount under review ( {$7000.00} ) while they continue their investigation. When I called to get my payment due for the month I was advised that I am responsible for paying the {$7000.00} during the investigation and AMEX will not honor their communication to me that the amount is suspended from my balance. AMEX is not standing by their written communications regarding payments due. 

Below are quotes from the email I received on XXXX XXXX XXXX 

" We're looking into it now. You won't be responsible for the {$7000.00} while we investigate. If we find that your dispute is valid, we'll be sure to adjust any interest charges or fees incurred from the disputed amount. '' AND " We'll remove the amount under review from your required payment due so that you don't have to pay the disputed amount while it's under investigation. '' When I called, a customer service rep and supervisor said they could see the e-mail referenced above but I had to pay the disputed amount anyway.
Product: Credit reporting or other personal consumer reports

This is a complete violation of THE NO SUPRISES ACT, I demand for this to be deleted of my credit report
Product: Credit reporting or other personal consumer reports

This is to follow up about a matter of utmost urgency regarding my account with Credit Bureaus, which has been erroneously flagged for late open. These inaccuracies have had severe repercussions on my financial standing and must be rectified immediately. Despite diligent adherence to the terms and conditions outlined in my account agreement, I was dismayed to discover that my account was flagged for late closure. This erroneous designation has tarnished my credit history and impeded my ability to secure favorable financial opportunities. Such unauthorized disclosure of sensitive financial information has exposed me to potential identity theft and financial exploitation. I demand immediate action to rectify these egregious errors. Please help me correct the account XXXX XXXX XXXX XXXX XXXX  Balance : {$7300.00}.
Product: Credit reporting

After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 


Accounts in question are : XXXX ( over 7 years ) XXXX ( i believe we first became late of 7 yrs ago ) XXXX ( i was first late over 7 years..? i think this is a duplicate ) XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is against the XXXX XXXX XXXX XXXX for 4 separate student loans that were originally opened in XXXX and defaulted by that year 's end. The XXXX XXXX XXXX XXXX originally listed the loans under " Direct Loans '' as the creditor. These XXXX loans should have fallen off all XXXX major credit bureau reports ( XXXX, XXXX and Equifax ) and any others unknown to me, in this year of XXXX. In disputing this with XXXX twice this year, last dispute being XX/XX/XXXX through direct phone call, I was advised by the rep that the XXXX XXXX XXXX XXXX changed the creditor 's name TO " XXXX XXXX XXXX XXXX '' and shows all 4 loans as having been opened in XXXX of XXXX which is incorrect. This seems fraudulent to me as the " XXXX XXXX '' program IS under the XXXX XXXX XXXX XXXX and are not separate. I respectfully request your assistance in providing me whatever relief that can be afforded in removing this from all credit reports. The school is currently involved in litigation and I never completed even half of the curriculum and dropped out due to family illness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX SSN : XXXX D.O.B : XX/XX/2024 Attn. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in the fraudulent account, I expect to see original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please verify and remove the following immediately : ACCOUNT NUMBER COMMENTS XXXX XXXX XXXX Not my account XXXX  XXXX XXXX Not my account XXXX XXXX  XXXX XXXX Not my account XXXX XXXX  XXXX XXXX Not my account XXXX XXXX  XXXX XXXX Not my account Please note that I have opted out in writing of your forced arbitration terms and a willingness to seek legal relief. I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, XXXX and Experian is reporting late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, XXXX or Experian written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Consumer Loan

Great American Financial account No : XXXX open date XXXX/XXXX/XXXX my last payment made was XXXX. Great American Financial claim to have received a payment on XXXX/XXXX/XXXX this is not true. I have as for validation and they have refused.
Product: Debt collection

They are sending me threatening emails for a debt I have no knowledge of. 
They say they will contact my employer and have me sacked. 
Contact the IRS regarding this debt. Ruin my credit and so on See the attached emails
Product: Credit card

Citicard CBNA charged my debt off but never sent me a 1099-C so I'm able to get this debt dismissed