23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

CAP ONE NA, inquiries on XX/XX/XXXXXXXX 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 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. I never filled out for a capital one credit card and was XXXX from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. This account was filled out for while I was XXXX  I explained that to them and they never took it off. They did take the debt amount down from {$1300.00} to {$0.00}. Which I am grateful for however it still is marked on my XXXX account as a charge-off and has been on my credit report for years while I was in XXXX I disputed it when I got released and also made a complaint with the CFPB back in XXXX and they still have not removed it. I have also been filed a identity theft report with the proper authorities. Please help me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found unverifiable, inaccurate, and questionable information that your agency failed to ensure was 100 % accurate. This has caused me significant frustration. Additionally, the accounts in question lack sufficient validation.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), it is your responsibility to report only accurate information. The continued reporting of these items violates these requirements. I have attached copies of my previous letters for your reference. 

Please conduct a proper investigation, remove any unverifiable or inaccurate items, and ensure my report is accurate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # credit collection {$330.00} Account name : # XXXX XXXX XXXX {$790.00}, Account name : # XXXX  XXXX XXXX {$480.00} Account name : # XXXX XXXX {$1400.00} has violated my rights. 

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

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX Email XXXX XXXX To whom it may Concern You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearty states that I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agenc can not furnish an account without my written instructions.

15 U.S. C 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have a loan with SYNCB/BELK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and SYNCB/BELK with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/XXXX appears to be late on the report. This account was never late. Please correct and update DPT ED/XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX appear to be late on the report.This account was never late. Please correct and update. 
XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX appear to be late on the report. This account was never late. Please correct and update. 
XXXX XXXX - This is an unknown account. I did not authorize this account. Please investigate and delete. 
XXXX XXXX - I did not authorize this company to inquire about my report on XX/XX/XXXX. Please remove this inquiry from my report. 
XXXX - I did not authorize this company to inquire about my report on XX/XX/XXXX. Please remove this inquiry from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$14.00} sign up fee and {$64.00} 1st months fee. XX/XX/XXXX {$89.00} monthly fee and {$19.00} late fee. XX/XX/XXXX {$89.00} monthly fee. Those were fees to dispute and resolve a claim on my account. But for 3 months the status on my account read 0 claims resolved. Them claim was {$1000.00} and i felt as if they're not doing anything to resolve the claim because everytime i contact them i get the same response. We wrote them and we're waiting to hear back. I felt in 3 months they should have heard back from whoever they were waiting to hear from and that i could of paid whoever made the claim if i was going to pay them anywhere from $ 500- {$1000.00} to resolve the claim.
Product: Mortgage

On XX/XX/21, I contacted Amerisave regarding getting a pre-approval letter for a home loan. I spoke with XXXX XXXX, a loan officer, who began to walk me through the online application. I remember signing some forms online ( which I couldn't tell you what they were ). Mr. XXXX talked about locking in a loan, although I didn't have a property picked out. Then came the {$500.00} application fee which I payed without really any thought, thinking this was the normal procedure, Later I learned this was not a best practice. Also, when Iasked Mr. XXXX about copies of those forms I signed, he said they were accessible on the website. I have not been able to locate them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act XXXX  '', the accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX 2x inquiries ) XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX ( 4x inquiries ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 1x inquiry ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( 1x inquiry ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1x inquiry ) XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX  - XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( 1x inquiry ) 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 an account without my written instructions.
Product: Mortgage

My mortgage loan is being transferred from CitiMortgage to XXXX XXXX XXXX ( dba XXXX XXXX ). I understand that the current loan provider is required to provide 15 days notice prior to the effective date of the transfer -- this was not done. CitiMortgage sent a letter dated XX/XX/XXXX as notice that did not arrive via USPS until XXXX XXXX for a transfer to XXXX XXXX effective XXXX XXXX, giving insufficient time to establish an online account for the XXXX XXXX payment.
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 Acct Number : XXXX XXXX Acct Number : 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: Credit card

I rented a car from XXXX in XXXX XXXX at an agreed upon price, picked it up at XXXX XXXX XXXX in CT, and returned it to XXXX XXXX XXXX in XXXX.When I got home I realized I had been overcharged for the rental. Payment was with my Capital One Visa card. I requested a refund from XXXX, and on XXXX XXXX, I received an email from XXXX indicating that " a refund has been applied, please allow sufficient time [ sic ]. '' A credit never appeared on my Visa account, so after further inquiry of XXXX I received an email dated XXXX XXXX, XXXX, informing me that " a credit has been applied and too please allow sufficient time for the {$340.00} to apply to the visa card on file. '' It has been almost XXXX months since I rented the car, and my Visa account has yet been credited with the refund promised by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Infiniti finance an instrument to set off the debt which they accepted but never applied the amount to my account this was back in XXXX of 2020, so the debt has already been satisfied. Pursuant to the UCC 3-603. TENDER OF PAYMENT. 
Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. 

So if Infiniti finance refuses to accept the international bill of exchange the bill is discharged by payment in due course Payment in by or on behalf of the drawee or acceptor.

I am in the process of buying a home and this fraud reporting will affect the process in a negative way but before that report was placed I told Infiniti finance that the vehicle was traded in.
Product: Credit reporting or other personal consumer reports

The fair credit reporting act states in ( 15 USC 1681 ) a debt collector may no engage in any conduct in trying to pursue me. I have a right to fairness and privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Same old same old- just recording for legal purposes.  Information never correct even after dispute. I check with lenders and they CLAIM they have rectified it. Experian did not allow me a dispute again. Lenders claim they " were '' not notified by Experian. My core has not gone D O W N even with numerous corre ctions.
Product: Debt collection

On XX/XX/XXXX I received a mailer from local attorney 's advising me that a suit had been filed against me in XXXX XXXX County by TD Bank. After searching the county database I found the court record that on XX/XX/XXXX XXXX XXXX XXXX  XXXX  had filed suit on behalf of TD Bank ( complaint not available for view ). 

I have not received proper notice prior to the suit to request a validation of the debt. I believe the suit is meant to be an INTIMIDATION tactic and is an EXAMPLE of a PATTERN of ABUSE of the legal system practiced by this collection agency. I am unaware of any debt owed to TD Bank - I am unaware of any certified correspondence sent to my home or business validating the debt. 

CASE NUMBER : XXXX CASE STYLE : TD BANK USA, N.A. V XXXX, XXXX After speaking with on XX/XX/XXXX they stated that they did not show a lawsuit in their system. They claim a validation letter had been sent about the debt. 

This pattern of abuse of the legal system should be considered a violation of the FDCPA Sec. 808 ( unfair practices ). This firm has a long history of misrepresenting balances, validation and filed complaints by consumers. 

This agency needs to be sanctioned and fined if NOT sued by a class action.
Product: Credit card

Citibank sent me an offer of balance transfer with 0 % interest till XX/XX/XXXX. I took the deal and received fund twice, {$1100.00} ( XX/XX/XXXX ) and {$5400.00} ( XX/XX/XXXX ). Citibank sent me XXXX statement for {$17000.00} which included both the balance transfers and regular credit card charges. There was no distinction between the two types and statement indicated balance due was {$17000.00}. I paid the amount in full in order to avoid possible interest fees before the pay date. Even though the amount was paid before, Citibank charged transfer fee of {$270.00} on XX/XX/XXXX. I called the credit company on XX/XX/XXXX and requested clarification and reversal of the charge. The bank told me that I have to pay additional amount of {$3600.00} if I want to avoid further interest charges which I complied. The practice of Citibank credit card with balance transfer is confusing, unclear, and deceptive. They should not mix lending and credit card businesses and if they do, they need to clearly distinguish them in their statement. I was unfairly charged the fees and I want them to be reimbursed.
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 : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX. Inquired on XX/XX/XXXX ; CXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal information I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Product: Prepaid card

I have an American Express gift card that has {$130.00} that can not be used. Everytime I try to use it it gets declined. My order total is never more than the amount on the giftcard. See attached photos.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the inaccurate inquiry reporting on my Credit Report : XXXX Inquired on XX/XX/2020 2020
Product: Mortgage

In XXXX, my spouse and l acquired a loan from Bank of America XXXX BOA XXXX to purchase a house in XXXX, VA. The loan was split into Loan XXXX and Loan XXXX. Over the years, BOA sold loan XXXX to XXXX, but kept loan XXXX and we wondered why? The amount borrowed for loan XXXX was {$38000.00}. It was at a higher interest rate of 7.625 % compared to loan XXXX. That was all we were told when we acquired the loan and signed the documents. 

We have been paying towards this loan for 10 years, 8 months now. A total of XXXX payments as of the beginning of XXXX, XXXX. So l called to inquire about how much more was left on the loan. However, l was stunned to find out that we have {$33000.00} that we still owe. So upon further inquiry l was told that most of the amount we have paid has been applied to interest. Here is the break down ; Monthly payment of $ XXXXTotal of XXXX payments as of XXXX/XXXX/XXXX is $ XXXXAmount applied towards Principal is $ XXXXAmount applied towards interest is $ XXXXAmount we will still owe in Principal by XXXX, XXXX is {$29000.00}. 

The amount we would have paid by XXXX is {$55.00}, XXXXThe amount we will still be owing will be {$29000.00} plus whatever interest BOA will require of us if we continue to make the same monthly payment of {$270.00}. 

For example, XXXX/XXXX/XXXX, out of a monthly payment of {$270.00}, only {$29.00} was applied towards the principal and {$240.00} went towards interest, a warping 89.10 % in interest! Averagely over 85 % of the money we have paid has been towards interest. 

Much to my surprise, l was further told on XXXX XXXX XXXX when l made the call, that on XXXX XXXX, the loan will have reached maturity by which date, we will be required to pay a lump sum of an additional {$29000.00} in addition to what we have already paid. At that point, l was stunned and l could not believe how a bank that we have trusted over the years to send our hard earned income and our investment to, could treat us with such inhuman loan terms without disclosing the terms to us from the beginning. 

Also, l could not believe that the Government will allow such trade terms to go on in this XXXX. The only thing l think about is BOA has robbed my family of financial resources. When l inquired from the customer service representative as to how we got such a deal, they quickly distanced themselves on XXXX different occasion and told me they did not sign that loan document for me, neither did they offer me that loan. l inquired if some of the amount we have paid could be applied towards the principal? but that was quickly denied and that we were bound by the contract terms then and we only refinance the remaining loan going forward. 

However, l explained that we were never told that over 85 % of the amount we paid we be applied towards interest.The only thing we knew was the high interest rate of 7.625 %. l was also told that l could make extra payment towards the {$29000.00} that will be due in XXXX, XXXX. So that probably explains why BOA retained the smaller loan when they sold the bigger loan to XXXX. 



On XXXX XXXX, l inquired from BOA to know the remaining amount that we