23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX BV XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$6600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting
Product: Debt collection

I've been getting collection letters from different debt XXXX for the same debt thru out 2023. These are XXXX and recently Cavalry SPV I LLC. On XXXX and XXXX of 2023 I've been requesting the following : XXXX XXXX XXXX. Said agreement must be with the original creditor and signed by all parties involved. 
Proof that they are licensed to collect debt. 
They respond by sending a copy of an Account XXXX of the original creditor that I don't recognize. Plus they also state that they will continue collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX identify as the natural person and consumer. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter. 

Pursuant to 15 U.S.C 1681b Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave any written consent to report anything on my consumer report, and no court order having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a federal grand jury has been issued. Also, I have not authorized any of these transactions.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Experian had neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates XXXX XXXX and my rights as a consumer.
Product: Credit card or prepaid card

This complaint is regarding a balance transfer with my Capital One credit card. 

On XX/XX/XXXX i initiated a promotional balance transfer with my Capital One Venture card. 
The amount was for XXXX. The fee was 2 %. ( {$140.00} ) The Promotion was suppose to be 0 % APR until around XX/XX/XXXX. 

After the BT was completed, i was charged interest starting in the next pay cycle. 
On XX/XX/XXXX i noticed i had to pay {$91.00} in interest. 
I figured something was wrong, but i did not want to accrue more interest, so i paid off the balance. 

On XX/XX/XXXX, i received a letter from Capital One letting me know they had made an error, and that they would refund me the interest, but charge me the {$140.00} fee. 

By this time, i had already had to look into other solutions to pay off the deb so that i did not continue to accrue interest. 

If Capital One had processed everything correctly, there would be no complaints. But they made an error, and i in turn made a decision not to accrue more interest on my card. They realized their error, fixed it, and still charged me a fee after i made corrections on my end. 

This is not good business. They advertised a 0 % promotion, which i gladly accepted, and then they charged me interest. Then they said there was an error, and then charged me another fee after i took action. 

I called them in early XXXX, got transferred 2x, and then spend an hour on the phone talking to someone that would not help waive the fee.
Product: Credit card

I have been a loyal customer of Chase Bank since XXXX and have never been late on any of my personal Chase credit cards. On XX/XX/XXXX, I received a call from the Chase Lending Department informing me that my Southwest Chase credit card limit would be lowered to match my current balance. This change will significantly impact my credit score. 

During the call, I requested to speak with a supervisor due to the potential financial hardship this decision would cause me. I was later contacted by XXXX, a supervisor at the Chase Arizona call center. After reviewing my account notes, she placed me on hold and subsequently informed me that Chase had made an executive decision to lower my credit limit, despite my explanation of the hardships this would create. 

I want to emphasize that I have consistently maintained my accounts in good standing, with an excellent payment history on my credit file and no collections. How can Chase discriminate against me and suggest that I may no longer be able to pay my debt? My Chase business credit card has also never been over 30 days late. When I opened the business credit card, I was informed by Chase that my personal credit would only be considered for 12 months, after which my personal credit would not be affected by the business credit profile. 

Because of the pandemic, the only reason the business card holds a balance is that the business is just starting to recuperate from this national disaster Covid Pandemic. Chase earns over {$15000.00} plus a year from interest payments, and Chase also utilizes the funds in my checking and savings accounts for investment purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on a hard inquiry dated on XX/XX/2020 by XXXX. This was never authorized by me. XXXX had removed this back in XXXX with XXXX  and XXXX  for some reason experian still has it on there report. I have spoken to discover in XX/XX/2020 and now end of XX/XX/2020 and they said would be removed from experian and they will be aware. as of XX/XX/2020 it still shows up which i will show you the screen shot.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX Account # 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 an 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, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

On XXXX XXXX 2016 we were scammed by a company representing themselves as XXXX. On XXXX XXXX we advised Citibank that we had been scammed and the {$390.00} charge on our account was fraudulent. Citi told us to cancel our credit card and that they would take care of it. Citi sent us a letter saying they had our information and were investigating, and credited our account. In subsequent calls with Citi the dispute people were not aware of the XX/XX/XXXX statement that Citi had our information, and asked for a repeat which we were tardy to rely to. But we were having ongoing phone conversations during which Citi 's only response was that Congress had passed an act which said the if a consumer gives a merchant a credit card number there is no fraud. We heard this as Citi '' s position during all our phone calls. I do not believe that Citi once asked the XXXX about the merchants rating, or once looked at the FTC 's info on computer scams to see that ours was a typical and ongoing scam. Citi just relies on the Act that there was no fraud. The Merchant has on four different times said it would issue credit. We would like that credit and a credit of the fees charged to our account. Thank you
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligations under the Fair Credit Reporting Act by not conducting a reasonable investigation of the disputed information on my credit report. This has resulted in unresolved inaccuracies. The Consumer Financial Protection Bureau recently filed a lawsuit against Experian for systemic issues like these. My experience mirrors these failures, as Experian has not corrected or removed the inaccurate information I reported.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Timely final payments on a loan serviced by Ocwen were made and put into " suspense '' which accrued penalties, interest and additional fees. The final payment was {$130.00}. The amounts continue to accrue without explanation which at one point even showed a credit balance on my account. Later I applied for a operating loan for my farm and was denied because of the Ocwen reporting my " bad credit ''.
Product: Student loan

XXXX XXXX has denied my Public Service Loan Forgiveness ( PSLF ) Employment Certification Form ( ECF ) claiming that if the organization is currently operational, then I must get an authorized official 's signature ; however, this is only  partially true : Section 2 clearly states, " Check this box if you can not obtain certification from your employer because the organization is closed or because the organization has refused to certify your employment. The Department will follow up to assist you in getting documentation of your employment. '' I checked that box & my PSLF ECF ( Public Service Loan Forgiveness Employment Certification Form )  was denied without the opportunity for the Department to follow up or assist me in getting the documentation specifically because, as I've informed XXXX, while I still work for the XXXX XXXX XXXX XXXX ( XXXX ), my new supervisor refused to sign the ECF which categorically falls under the issue of the organization refusing to certify my employment. XXXX has a legal obligation, of which it is currently negligent, to offer a second option for employment verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report. 

The credit bureau stated that my account was properly investigated but how is that possible if the open date is inaccurate, the last active date is inaccurate and the last reported date is inaccurate. 
This is ground for removal. They also violated my rights inder 15USC 1681. Section 602 A.

I have the rights to privacy 15 U.S.C 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions ACCOUNTS Account name XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Account name XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MA XXXX Account name XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account name XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 Coinbase.com locked my account with no warning and has not provided any service in helping me access my funds. I have taken a serious financial loss as a result of their ( non ) actions. I received an automated email that the name on my bank account does not match the name on my driver 's license, which is simply not true. I've tried upwards of 5 times to contact Coinbase and have this issue resolved but I can't even get a response to an email from them. Phone representatives refuse to provide an estimate of how long it will take them to fix my problem. Again, this is a 30 second fix to verify that my name on my bank account matches the ID I have provided them. I'm taking serious financial loss from their lack of any support at all, and I desperately need your help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several items on my credit report as far as what its showing for student loans from schools, to lies about be owning money for damages to an apartment I never done, to identify theft
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX {$4600.00} Inquiries from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Wrong address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Money transfer, virtual currency, or money service

I attempted to login to my Robinhood account. I was told that the password was incorrect when I attempted to reset the password I received a message that stated I needed to email Robinhood because my account had been attempted to be accessed outside of the US. I emailed and stated I no longer wanted to unlock the account I wanted to close it because of the breach I no longer felt comfortable. I received an email from Robinhood asking for all my personal information the same day it was requested. I received an email today stating that they were going to close my request because it was not received. I emailed back and stated that I had sent it and I was concerned that my PII was not tracked properly. Later today I received an email stating that in order to close my account they need me to take a picture of my ID and send it to them. This is unacceptable. Robinhood does not protect their consumer and puts the consumer at further risk by requesting PII over an non-encrypted email. Consumers should know that Robinhood does not protect their information. It is not a safe platform to use.
Product: Debt collection

I have no legal binding accounts with this company nor debt with account stating in XXXX
Product: Credit reporting

I asked TransUnion to investigate my complaint because the account is not accurate and verify that the account belonged to me by providing proof with an original contract and my signature ; then to delete it from my credit report. I wrote three letters requesting this information and despite my asking three times for legal verification, according to the FCRA, TransUnion has failed to do so.
Product: Vehicle loan or lease

Your instructions to the salesman filling out your usury contract tell him to change the price of the car from what i agreed to pay ( {$4500.00} ) to some {$8500.00} that I did not agree to get a lian loan for. Again, an illegal change.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I have some inaccurate names and addresses on my credit report that I need remove they are not accurate. My full name and only name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX  XXXX XXXX OH, XXXX. Please delete any other variation of my name and address that is different from the above. 
Please delete the following names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Please delete the following addresses : XXXX XXXX XXXX XXXXXXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, Capital One allowed a charge from XXXX XXXX XXXX to process for {$2000.00}. My credit limit is only for {$600.00}. These charges have been in dispute since XX/XX/XXXX and the company continually misfiled the category. Originally the claim was filed as a " fraud :, then Capital One changed the category to " dispute ''. This happened twice which caused the 180 day time to expire with XXXX. I have attempted to resolve this issue several times and Capital One is the one who is ultimately responsible. They were notified about the wrong amount and given documentation since last year. The company should have completed their due diligence and proper research to ensure that the dispute was filed accordingly and timely. The amounts have constantly changed throughout this investigation and process. No amount matches any contracts that were sent over to Capital One. Each time that Capital One requested documents they were uploaded through an internal link. Each time Capital One requested documentation, they received it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$56.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed {$8000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.