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

On XX/XX/2019 I rented a vehicle from XXXX XXXX XXXX and used my Capital One credit card for deposit only as used an unrelated card for payment. I returned the vehicle on XX/XX/2019 with not further payment required. The initial deposit went away and was no longer pending on Capital One card. 
On XX/XX/2019 I received and email from Capital One stating that a charge from XXXX XXXX  in the amount of {$3000.00} was declined. My card limit is only {$300.00} as I'm establishing my credit. However, on XX/XX/2019 Capital On allowed a charge in the amount of {$2200.00} from XXXX XXXX. I made a dispute and a temporary credit was given. I was then rebilled for {$2200.00} on XX/XX/2019. I have continued to dispute and even sent written letter as requested by Capital One but have been told that XXXX XXXX sent them a bill stating vehicle was not returned until XX/XX/2019 at a location about XXXX miles from my home and original pick up/drop off location. I even tried disputing with XXXX XXXX with no luck since I have misplaced receipt. 
This has cause me to have a balance of {$2800.00} after continued interest fees. I believe this has become a fraudulent transactions and Capital One should never have allowed such a large transaction to go through with a low credit limit in card. Also the fact that 2 different amount were attempted should have been a red flag.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted this company at least 3 times. I have disputed this with XXXX, Equifax several times, as fraudulent. Once I called both bureaus, they keep stating is that it will remain on the credit for 2 years. Also, for the inquiry on XX/XX/XXXX, there isn't even an application per XXXX XXXX. I need these inquiries removed from my report, as they we unauthorized!
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX opened with XXXX AND XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, 2022 XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. We tried to contact JP Morgan Chase Bank via XXXX from XXXX Bank asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a copy of my XX/XX/XXXX file to Transunion showing that there is NO BANKRUPTCY AND XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX IS NOT MY ADDRESS ON MY FILES WITH XXXX XXXX. The resolution side shows the deletion to the erroneous address and once again there is NO BANKRUPTCY SHOWING ON MY XXXX XXXX FILE. Transunion keep saying they verified the information with XXXX XXXX which is false due to there is a freeze and NO ONE can access my files but me. This is why I ordered a copy of my file from XXXX XXXX to send the copies to Transunion that there so called verification is false information. Please do not send me another premade letter stating it was verified! The items/accounts that need to be removed is : Chapter XX/XX/XXXXBankruptcy, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX need to be removed that is not my address, XXXX XXXX schools is not my employer, XXXX XXXX. I have uploaded my copy of the XXXX XXXX CREDIT REPORT! MAKE SURE THIS IS FORWARDED TO TRANSUNION. I DO HAVE LEGAL REPRESENTATION ON STANDBY. THIS IS MY FINAL ATTEMPT TO RECTIFY THIS PROBLEM! My employer is XXXX and has been since 2000.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts. I will pursue {$1000.00} per violation if the accounts are not deleted immediately.
Product: Credit reporting or other personal consumer reports

Called XXXX XXXX XXXX because I don't recognize this account/ neither do they, but it's reporting on my credit file please delete IMMEDIATELY,
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 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 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 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: Student loan

I have both federal and private loans. I have enrolled in XXXX XXXX on XXXX I believe and I have applied for private loans thru Salliemae at that time to fund my education. I was promised by XXXX XXXX XXXX that my credits ( XXXX XXXX ) can be transfered to any other XXXX  after to obtain XXXX XXXX if I choose to further my education right before completing my XXXX XXXX I have reached out with them because no other school wanted to credit my degree and credits earned from XXXX XXXX and the only school that is able to accept my credit is XXXX XXXX which is very very expensive. However, after leaving me with no choice. XXXX XXXX did not credit all my earned credits from XXXX as promised by XXXX. I have lost XXXX credits I think out of XXXX credits I earned from XXXX. These leads me to more debt. After years of repaying Salliemae now Navient, I have tried to request from them to release my XXXX XXXX XXXX as my cosigner and have denied my request. I have files for bankcruptcy on XXXX due to hardship and growing family numbers ( XXXX XXXX  ) but my student loans were not dischargaeble. I have applied for school misconduct thru Navient and denied my request without any explanations. Even if I have told them that my federal loans were discharge from XXXX XXXX which I have consolidated before and was transfered to department of education ( XXXX ). I believe that they are not reviewing my case and request knowing that I have become a victim of predatory school. If I also recalled correctly I was never put on XXXX but rather paying them full amount of money they payments from the very beginning. I have been paying them monthly payments XXXX XXXX XXXXXXXX  from XXXX XXXX on XXXX until today if I am not mistaken. I was also informed that even if they will discharge my private loans from them, I will only get refund from the date of my school misconduct application which is XX/XX/XXXX until the decision is made. Their decision was made on XX/XX/XXXX and denied my application.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I had emergency XXXX and was not able to work. I was released from the hospital on XX/XX/XXXX and started receiving long-term XXXX payments. I informed Regional Finance located on XXXX XXXX XXXX. XXXX, Texas XXXX of this situation and provided them with XXXX paper work to verify my condition. I had XXXX  coverage on my loan and they refused to use that coverage to make my monthly payments. Instead the supervisor XXXX XXXX forced me to refinance the loan on XX/XX/XXXX so any missed payments would be put on the back end of the loan. 
I was a told the XXXX payments would take affect with the new loan. Since the new loan has been in affect Regional Finance has been calling me inquiring about my payment of {$140.00}. I asked about the XXXX coverage and I was told that it was not on the new loan. XXXX XXXX the supervisor forced me to refinance the loan to cover the payments during my illness purposefully omitted the XXXX coverage so my payments would go unpaid. This has caused me a tremendous amount of stress by them violating my consumer rights and I want resolution and consideration in this matter. I do not want my credit file impacted by them reporting negatively without my permission and if any negative information has been reported I want that information removed from all three credit bureaus and secondary bureaus as well. I asked Regional Fiance to give me time as I recovered from XXXX and they only caused me more stress and anguish by using switch and bait tactics on me to sign a document that should not have been drafted. 
Attached is a copy of the loan document that was signed eletroncially while I was under doctors care during my XXXX.
Product: Credit reporting or other personal consumer reports

I am the victem of identity theft and i am requesting you block the below information. and remove the accounts from my credit profile enforcing section 605 b of the FCRA. 

XXXX XXXX XXXX : Account number Balance : XXXX date opened : XX/XX/XXXX Chrysler CAP Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : Balance : XXXX date opened : XXXX XXXX XXXX  Account number : XXXX Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Balance : XXXX opened XX/XX/XXXX XXXX  Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX  Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX  number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXX
Product: Checking or savings account

I opened a checking account with Wells Fargo on XX/XX/2021 and made a initial deposit of {$100.00}, and a few days later I was told by Wells Fargo that my checking account has been closed due to the relationship with the bank. On XX/XX/2021, my account was officially closed, but I haven't received my {$100.00} initial deposit so far. I contacted Wells Fargo many times and none of my complaint have been properly resolved.
Product: Credit reporting or other personal consumer reports

Hard Inquiries I did not authorize on my credit. 
Capital oneXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital one-XXXX XXXX XXXX XXXX XXXX Capital one-XXXX XXXX XXXX XXXX XXXX XXXX  Capital one-XXXX XXXX Capital one-XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital one-XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went in for medical check and wasn't informed that my information would be used to collect a debit and now whenever I try to call and tell them that situation they are not help I would like collection removed from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information reporting to my credit
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax, XXXX  and XXXX XXXX will not update my credit report to reflect my credit lines and credit card accounts. 

I have attached the accounts, account numbers and credit line. None of these accounts have ever been late and by failing to update my records, it is having a negative effect on my FICO score. 

There is not reason for these updates to take so long.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and CORRECTION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry that is listed on my report. I have called Equifax to have it removed because I do not have an open account with the company. They stated that I needed a FTC report. I do not have an account with the creditor, I have not initiated, authorized, or gave permission on any transaction with listed consumers. 

I have requested that the inquiry be removed. When I spoke to Equifax they told me the do not abide by the the laws but go by their policy to have a report. I told them that I could not file a police report, as there is not active account open, I have not lost any money or no accounts have been obtained. 



I advised they are in violation of Fair Credit Reporting Act 15 U.S.C. 1681b. A person should not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized. 



It requires that consumer reporting agencies adopt and implement reasonable procedures for ensuring that credit information about a consumer was collected, maintained, and dispensed in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. 



Equifax told me they did not care about the law and to file a complaint with FTC. I told them that I was aware In XX/XX/XXXX, Equifax settled a lawsuit stemming from its XXXX data breach, which exposed the personal information of 147 million people. Under the settlement with the FTC, CFPB and state attorneys general, Equifax has agreed to spend up to {$420.00} XXXX to help people affected by the data breach. 



If my information has been breached by their company they should abide by my rights as a consumer to remove the incorrect information. 

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.15 U.S. Code 1681 I can seek damages from a business that violates my rights under the FCRA XXXX They told me they did not care and hung up the phone.
Product: Debt collection

I have received multiple calls from Citi Cards or their authorized representatives regarding a credit card that they indicate I defaulted on over 11 years ago. I don't know anything about this debt nor do I have any intent of paying it. I want them to stop calling me. 

Even though I have repeatedly asked to be removed from their calling list, they continue to call. Today they threatened legal action and to garnish my wages. They called from XXXX XXXX XXXX x XXXX. She said her name was XXXX and she indicated she worked for XXXX XXXX XXXX. She told me that she had already filed to garnish my wages. This is NOT true. Nothing has been filed and even if this were my debt it is far past the statute of limitations in the state of Iowa ( see Iowa code 614.1.4 ). 

Before XXXX reached me today she called my sister on my sister 's phone and told her that I was going to be sued for bad debt. She told my sister that this was my FINAL notice and that my sister better help get it resolved. Making these false claims and threats to my family is harassment and it is my understanding that it is against the law.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

CREDIT ACCEPTANCE CORPORATION has engaged in fraudulent practices and should be promptly removed from my credit profile. Legally, fraud is defined as the intentional use of deceit or dishonest tactics to deprive someone of money, property, or legal rights, which can violate both civil and criminal law. CREDIT ACCEPTANCE CORPORATION has faced mulitple accusations of such practices, as seen in Case No. 23 Civ. 0038 where the record notes : Credit Acceptance Corporation makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. CACs loans carry exorbitant interest rates, are loaded with expensive add-on products, and saddle borrowers with debts that even CAC believes the borrowers often can not afford to repay in full. CAC aggressively markets itself as an alternative for consumers with limited credit options and touts its loans as a way for consumers to build their credit and gain financial freedom. But CAC is often setting up consumers to fail. I am a direct victim of CREDIT ACCEPTANCE CORPORATIONs deceptive practices, which have made it extremely challenging to manage my loan, especially during the pandemic. Their continued negative reporting has severely impacted my credit and financial stability. I have contacted CREDIT ACCEPTANCE CORPORATION and all three major credit bureaus ( XXXX, XXXX, XXXX ) regarding these predatory and fraudulent tactics to seek relief. Since XX/XX/year>, I have mailed numerous letters to these credit bureaus, but CREDIT ACCEPTANCE CORPORATIONs ongoing actions continue to suppress my financial consumer rights and harm my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple phone calls 2 loans from XX/XX/XXXX, one for XXXX, another XXXX settled in XX/XX/XXXX with {$0.00} balance. They were off all 3 company reports for few months before reappearing on all except XXXX XXXX. XXXX XXXX eventually came back as well and all 3 are on it ... .. Not only were they already taken care of and closed in XX/XX/XXXX, AND then the IRS withheld my XXXX income tax return of over XXXX to the Dept of Edu . The 2 fed loan are the same 2 as dept Ed. There is not 4 loans. They have been closed with {$0.00} balance even BEFORE my Tax return of over XXXX was withheld and paid to the DOE. 

The 3 XXXX XXXX charges stem from an ambulance ride back in XXXX of XXXX. How they charge u for 3 bills for one ride, who knows. These were covered and paid by XXXX. They were removed and then came back. I've tried multiple times going in circles. It's frustrating when u spend hours and hours to finally get these errors taken care of, only to pop goes the weasle, they're back. Please help. Thanks
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX ( account number XXXX ).
Product: Money transfer, virtual currency, or money service

I switched my car with Carvana 2 times. On the final car, I decided to put less of a down payment than originally thought. So they had to return {$1500.00} to me. They said they could only return this through a physical check and not direct deposit ( yet they took the money out of my bank just fine ). 

They claimed the check arrived but I never received it. They said it arrived on XX/XX/year>. I asked them to re-issue the check and they refused claiming the check had been cashed. I asked for proof. They sent me a PDF of the proof with a check that had someone else 's signature on it. My check had been fraudulently cashed. Since then, they have done everything under the sun to not pay me in a timely manner and/or not pay me at all. That was {$1500.00} that was just being returned to me. I am in DIRE need of that money. I have medical expenses that need to be paid. 

I filed a police report. I spoke to XXXX XXXX ( that's who the check is processed by, but it's from Carvana ). I will attach the proof of the cashed check. I am in DIRE need of that money and Carvana is taking their sweet time in figuring out the obvious ... that it was FRAUDULENTLY cashed.
Product: Credit card

XX/XX/year> ( XXXX XXXX XXXX an intervention company charged my credit card {$9900.00} for intervention services. XX/XX/year> ( XXXX ) ( XXXX hours later ) I notified the intervention company that I was not going to take advantage of their services. I also notified my credit card company at the same ( charge was pending ) not to process the charge, however the credit card company process this charge. Since then I have disputed the charge twice with the credit card company and they have denied the dispute due to a contract that I had signed with the intervention company. At the time I signed the contract the spoken person for the intervention company rushed me to signed the contract, send a copy of my drivers license and credit card. It was an extremely difficult time and I believe that they took advantage of my distraught mental state. 
The intervention company has refunded {$4900.00} of the {$9900.00}. The {$5000.00} balance is a extreme hardship for me.