23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I payed my Capital One credit card in full XXXX to avoid interest charges. I used my mothers account because they required payment from a checking account with a routing number and a checking account number. They gave me credit for the payment however they put an 11 day hold on the payment and still have not take in the payment from my mother 's account and have not credited the payment to my card preventing me from using my card. I have called three times. The first time the rep hung up on me. The second time I called they transferred me to the fraud unit and he was unable to help because he could not talk to my bank which I had a rep from my bank on hold to set up a conference call but he refused to talk to her because he said he had to call the XXXX number himself. The third time I called, the Capital One rep called my bank ( supposedly ) and had a bank rep on the line which she would not allow me talk to without interruption. Capital One told me during that call they released the hold on XX/XX/XXXX and requested payment but my bank was not seeing it and there response was see it 's your bank for holding up the payment but it 's done electronically and it shows up immediately even if it takes a couple of days to come out of the account. They have lied on multiple occasions and I believe this is retaliation for paying the account off. Today is XX/XX/XXXX and they still have not done what they said they were going to do.
Product: Credit reporting or other personal consumer reports

I am sick and tired of XXXX XXXX bank they issued me a card then to XXXX theres been a lot of fraudulent activity on the card and my other account as well they quickly closed the old account reported it scheduled by XXXX points as well my credit limit decreased by XXXX they issued me a new card and they refused to report the new card they also I reporting I made no payments but I did so there has been fraudulent activity on this account and my other ones and I am not gon na be responsible for this Ive taken pictures of everything so I am not paying for that is not mine or listed on the credit report
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX XXXX COLLECTION XXXX COLLECTION XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The monthly installment fluctuates between XXXX to XXXX. It never seems to go down. I've been paying those amounts for the last 11 months. On a vehicle, that's only worth $ XXXX.
Product: Mortgage

Citimortgage has placed a lien on a property when they did not have a title conveyed to them. They continually harass and trespass. They want to run up legal expenses and costs when they did not have a deed to the property. They are trying to foreclose. They have literally made the title unmarketable. They continually say, get a lawyer. Lawyers cost XXXX dollars and time. A corporation owns the property, Citi did not get title, and they refuse to discuss any settlement or resolutions for their corruption.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX 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 adverse item of information, other than records
of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is to inform you of the grave violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 that have been committed by XXXX. These violations have caused substantial harm to my privacy and have infringed upon my consumer rights. I am seeking a remedy as prescribed by 15 USC 1681n to address the damages incurred. 

The specific violations are as follows : 1. Violations of 15 USC 6802-6805 and the Privacy Act of 1974 : Unauthorized Sharing of Personal Information It has come to my attention that XXXX has unlawfully shared my personal information from Nations Direct Mortgage without my consent or any legal basis, thereby violating my rights under 15 USC 6802-6805 and the Privacy Act of 1974. This unauthorized sharing of my personal information has resulted in a breach of my privacy, causing distress and concern. I strongly urge XXXX to immediately cease any further sharing of my personal information and take appropriate measures to prevent such unauthorized disclosures in the future. 

2. Violation of 15 USC 1681A ( 2 ) ( 1 ) : Improper Disclosure of Experiences and Transactions In addition to the aforementioned violations, I have discovered that XXXX has improperly disclosed my experiences and transactions from Nations Direct Mortgage in XX/XX/XXXX. This disclosure of sensitive personal information without my consent is a clear violation of 15 USC 1681A ( 2 ) ( 1 ). I demand that Nations Direct Mortgage and XXXX take immediate action to rectify this violation and ensures that my experiences and transactions are not further disclosed without lawful justification. Attached below is a screen shot of the violation as well as proof that all three consumer reporting agencies are reporting the same account differently which is an additional violation under 15 USC 1681.
Product: Mortgage

This complaint is in reference to the mortgage on my personal home. On XX/XX/XXXX I filed Chapter XXXX Bankruptcy to protect my home and other assets. I completed the case on XX/XX/XXXX after paying XXXX to XXXX and other debtors ( Please see PDF titled XXXX RESPA Response XXXX ). During my bankruptcy, my payments were increased several times and to prevent dismissal I was required to pay over XXXX in three months see image ( XX/XX/XXXX XXXX XXXX ). Upon completion of the bankruptcy case, my mortgage was sold to Rushmore and I was instructed to continue my payments. Rushmore would not allow me to set up auto-draft and when I called to make my payment in XX/XX/XXXX, they refused to take and told me my account had been turned over to the foreclosure department. At that time my bankruptcy attorney XXXX XXXX informed that he had done all he could do and referred me to the XXXX XXXX XXXX XXXX Attorney XXXX XXXX. I have worked with one of Mr. XXXX associates but my home has been placed in the paper for foreclosure twice and is scheduled to be placed in the paper again tomorrow. As an XXXX and community leader, this has caused much humiliation to me and my family. I thought we were on track see ( XXXX and XXXX images XXXX ) to get this matter resolved and I have been saving the payments. I simply want to continue to pay for home ; however, it seems everyone is giving me the runaround. And now, my home is scheduled to run in the paper again tomorrow and a sale date of XX/XX/XXXX.
Product: Credit card

On XX/XX/year>, a charge of {$11000.00} was billed to my card by the merchant XXXX XXXX. I initially disputed this amount, believing it to be incorrect. 

Following my dispute, I contacted the merchant, who confirmed that the payment had been reversed. Subsequently, on XX/XX/year>, I made a second payment to the merchant for the amount of {$11000.00}. 

I requested that the merchant refund the initial charge. However, they informed me that their bank had already reversed the transaction and reimbursed the funds to Capital One. 

I followed up with Capital One to confirm the reimbursement but was instructed to provide proof. I promptly submitted documentation of both payments. Despite this, I was informed that the evidence provided was insufficient. 

To clarify and expedite this matter, I reached out to the merchant once again. Their bank has since confirmed that the initial payment was indeed revoked, and the merchant has provided a written confirmation to that effect. 

I again contacted Capital One and attached the aforementioned letter from the merchant. They then responded with a generic message : " We have a limited amount of time to reverse a charge on our customer 's accounts. Unfortunately, that timeframe has expired for this particular charge. If you want to dispute a charge in the future, please let us know within 60 days of receiving the statement that shows the disputed charge ''. Please note that the initial claim was done a day after the charge. I think that the company is not following up on my claim or even reading my communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Report Number XXXX XXXX XXXX XXXX Case number XXXX I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. 

I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. 

I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 


Your complaint case number is XXXX. If you provided an email address, you will receive an email with a link to your case within approximately 48 hours. You may click here to print a copy for your records. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, I continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, 2017, none but XXXX inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.
Product: Debt collection

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX I am a XXXX  member of the XXXX XXXX, I am a 100 % XXXX XXXX. I joined the XXXX XXXX XX/XX/XXXX retired XX/XX/XXXX. I remained domiciled in XXXX XXXX  My DOB : XX/XX/XXXX I do not owe this money. I have not committed bankruptcy. 
The post card states : Between XX/XX/XXXX and today. 
I lived in the XXXX XXXX XXXX XXXX as of XX/XX/XXXX. 
The Statue of Limitations in South Carolina is three years. The Statute Limitations for this type of debt is three years. The notice states that I can not be sued. The collectors threaten to report this to " the credit beaus if I do not pay them. 
This is attempted extortion, they have crossed state line in an attempt to extort funds across state lines. They have contacted me digitally across state lines in this attempt at extortion. They have committed a RICO violation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND THEY OBTAINED AND MAINTAINED BY A THIEF. NUMEROUS TIMES I HAVE REACHED OUT TO EXPERIAN AND ALSO TO THE DEPT OF EDUCATION. THIS LOAN ON MY CREDIT REPORT IS FRAUDULENT AND DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX. XXXX XXXX XXXX XXXX  Account # XXXX ). Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

Colorado XXXX XXXX XXXX requested a garnishment judgement on a time-barred debt. The credit card debt is from XX/XX/XXXX they filed a law suit for garnishment of my wages on XX/XX/XXXX past the statue of limitations of 10 years. I contacted the General Sessions Court-Civil Division in the State of XXXX. They indicated that the Law offices representing XXXX XXXX did not request an extension on the Judgment therefore they did not have grounds to file a judgment for garnishment.The original judgement was in the State of Tn they requested a foreign judgment in XXXX State. I was never notified of this law suit so that I could file an objection. The notice that they sent was sent to an address in XXXX State I did not and do not live there. I was never served so that I could appear in court. They received a default judgement for a debt that was too old to collect on. I do not believe this debt is mine so I contacted the Law offices to get validation of the debt on XXXX I still have not received debt validation. I believe this was a case of identity theft.
Product: Checking or savings account

First Tennes see Bank allowed their employees to take a deduction when I withdraw funds.  In  XX/XX/XXXX  I made a withdrawal in the amount of $  XXXX .Someone withdrew the same amount on  XX/XX/XXXX . I made my withdrawal on   XX/XX/XXXX .  On  XX/XX/XXXX  the bank shows the withdrawal as being misc debit. I ap plied for health care with  XXXX   XXXX   XXXX   XXXX  it was taken from me. Others are using this health care. I paid for  XXXX   XXXX  it was taken from me. Everything I apply for is taken.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in those account to be removed.

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. 


XXXX  XXXX 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! 

Delete the late payments from my consumer reports
Product: Debt collection

t has been months and many months, I noticed that Portfolio Recovery Associates placed {$270.00} in my credit report for collection. I never gave Portfolio Recovery Associates my consent and authorization to place any information in my credit report. I never received any products or services from Portfolio Recovery Associates. I never entered into a legal and lawful contract with Portfolio Recovery Associates. I demand that Portfolio Recovery Associates provides me proof of a legal and lawful contract between me and them. I demand that Portfolio Recovery Associates provides proof beyond any reasonable doubt that I ever gave them my consent to defame my honorable character with XXXX XXXX, XXXX, and XXXX for the alleged debt. Finally, I demand that Portfolio Recovery Associates remove their fraudulent account from my XXXX XXXX, XXXX, and XXXX credit report immediately. P.S XXXX demand that Portfolio Recovery Associates validate, verify, and authenticate this alleged debt. I demand this alleged claim is deleted from my XXXX XXXX, XXXX, and XXXX credit report Immediately. I am now putting Portfolio Recovery Associates XXXX XXXX, XXXX, and XXXX on notice for fraud and repeatedly violating the FCRA.
Product: Credit card or prepaid card

I made a purchase from XXXX through a XXXX  seller XXXX-XXXX. The purchase was made on my capital one credit card on XX/XX/2020 for the amount of {$2800.00}. The order is 8000 pieces of face mask and only 3200 pieces was sent to me. The seller sent a portion of the purchase and the rest was never sent. I ONLY got 3200 pieces .Additionally the merchandise was in such poor quality it was not as shown on the website. Not usable merchandise. I opened a case and talked to capital one that hope they can help me get my credit back on XXXX20.The case number is XXXX. Capital one told me the reason why I can't get my credit back is I didn't return the items. But I explained to them because the seller didn't send to me a return label and a return address. In the end Capital one asked me to contact the merchant and work directly with them. 
The merchant didn't provide me a return address. What should I do now?
Product: Money transfer, virtual currency, or money service

Paypal put my account on a permanent hold stating my activities were against their policy. They were not. I purchase items and receive a rebate for the item. Nothing illegal or unethical. Companies do this all the time to get their products known, promote customer loyalty, etc. I had no recourse and they said they would hold my {$180.00} for 180 days. After that time, I called them and they said they were keeping the money. Today I received an email stating someone added their phone # to the account. My ccard #, bank account, home address and SS # are all in the account. I called to get the account closed and they told me because it is on a permanent hold that is not possible. I spoke to a manager and was told no one is allowed to close the account for me. So, I can not remove the information, receive my funds back nor close the account. They told me the account can not be used but yet someone hacked into it. 
https : //www.paypal.com/us/webapps/mpp/ua/acceptableuse-full? msclkid=ec0639babd9711ec9f22e8adbfc6a33e
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX XXXX  MasterCard Account : XXXX listed on my XXXX  and Experian credit report is lost/stolen, and the credit card account dont belong to me.
Product: Mortgage

I work in farming outside the country but we just have gone to the worst rain and flood season in the past 27 years. We have not been able to harvest our crop since XX/XX/2022. 
We are now in the process of rehabilitation of the plantation and it will take the rest of the year to be in good standing. 
I have just proposed the lender to pay 50 % of what is now due, but they did not want to accept any partial payments. Only the full reinstatement amount. I asked them to take the 50 % now and within a month make good on the other 50 % but they are not accepting the offer
Product: Debt collection

XXXX notified me that the company Vance & Huffman LLC affected affects negative my credit score with a balance of {$6900.00}. 
I never received any validation notification from Vance & Huffman LLC. 
Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and validation is requested. 
Balance date : XX/XX/2023. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiry - Name of Creditor : XXXX XXXX XXXX - Date of Inquiry : XX/XX/2023 - Reason Stated : Not Authorized by Me