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

Capital One Bank was hacked this summer. Fraudulent charges began to be made on my card soon after. I called to report the fraudulent charges, close that account, and foolishly agreed to receive another " XXXX XXXX XXXX Capital One '' card. Charges continued to be made - to my old account and even the new one before I ever received it. I called again and was assured that the issue was/would be resolved, and that I would be billed only for the ONE charge I made at the beginning of the first billing period. Now, two months later, I receive a bill from Capital One for one of those contested charges, made to a XXXX XXXX XXXX  in Ohio. I live in XXXX Texas and have never been to Ohio. I called to ask why I was sent a bill for a charge I had already contested. After speaking with a couple of " representatives '' and put on hold numerous times, I finally spoke with a " Fraud representative '' XXXX who tried to tell me that Capital One had given me " two credits for one incident, '' and that the bill was correct. I asked the very simple, logical question : How could I be billed for his company 's error in charging me for a " credit '' that I never received financially or physically? How could I owe Capital One something I never got a product, service, or good from? XXXX kept telling me the same thing over and over, " We gave you two credits and now we are billing you for the credit we gave you. '' I began to get angry and told him I was not XXXX ( college degree plus ) and that I refused to pay this bill. I told him I would report him and his company, and that I would contest any further charges from Capital One with the aid of a lawyer. Thirty minutes ( or more ) after my phone call began, XXXX finally offered to give me a " goodwill '' credit to " pay my bill '' and make it a XXXX balance. My complaint with Capital One is the HASSLE of having to ( 1 ) Make this call ( 2 ) Spend so long talking about a  problem that is Capital One 's fault, not mine ( 3 ) Go to all this trouble for a simple resolution for what should have resolved by the first person I spoke to. I can not imagine how often people mindlessly pay these types of " bills '' to Capital One, and how often they argue with their " customers. '' I will never again use anything connected to Capital One. If I get another bill from them for the reported fraudulent charges I will file a lawsuit!
Product: Credit card or prepaid card

I was denied an extension of credit from Discover which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 12 CFR 1002.4 General rules.

( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.

15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. 
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX of inquiry XX/XX/2020 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

This was misinformation from XXXX to XXXX. I switched insurance companies and because XXXX sent incorrect information XXXX charged me an additional month of charges. I paid the charges to avoid any negative reporting and still I received it on my report. This is bringing down the report. Please remove from my credit report immediately.
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 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 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  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.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX  Account Number : XXXX Date of Last Activity : Equifax XXXX XX/XX/year>, which differs from the dates reported by XXXX XXXX XX/XX/year> ) and XXXX ( XX/XX/year> ). These discrepancies could indicate a lack of synchronization in the data among the agencies. 
Last Payment Date : Equifax reports XX/XX/year> as the last payment date, while the other agencies mention XX/XX/year>. If all payments were made at the same time, this difference might be inaccurate. 
Creditor Type : Equifax categorizes the account as " Auto Financing '', while XXXX uses " Savings and Loan Companies '' and XXXX lists " Personal Loan Companies ''. This could be an error if the account type is the same across all agencies. 
Payment Frequency : Equifax does not include information about payment frequency, unlike XXXX, which mentions monthly payments. This could be considered incomplete information. 
Closed Date : Equifax does not report a closed date, unlike XXXX ( XX/XX/year> ). This omission might create confusion about the account 's status. 



Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX regarding debt validation of an account that is reported on my consumer credit report with Equifax, XXXX, and XXXX. No one has yet to validate this debt! 

Also, I have requested for Bureaus to remove hard inquiries from my Credit Profile that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.
Product: Debt collection

Do not know what they are trying to collect for, have not had XXXX XXXX for years.Did not have them at the time they are trying to collect for.Have cotacted XXXX XXXX and they checked and told me that they have no record of owing them nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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: Mortgage

Freedom Mortgage Corp. is refusing to provide payoff statements for customers to pay off their mortgage. When payoff statements are requested, even through multiple channels, they are ignored indefinitely. This is a repeated and ongoing issue with this company. Upon making a follow up call to customer service, they state that there is a turn time of 3 business days, even when the request was first placed longer than 3 business days prior. They refuse any sort of remedy, refuse to allow the caller to speak with a supervisor, and continue to walk the customer in circles. There isn't any sort of customer service, it is merely a way of dismissing anything that might be an inconvenience to their staff. It should also be noted that this company has a large number of CFPB complaints.
Product: Mortgage

On XX/XX/XXXX, my automatic mortgage payment for XXXX did not go through to my mortgage lender, even though the payment was set-up on autopay in the mortgage companys portal ; the payment did not come out of the bank, but was rejected. There were no warnings from lender to me directly that it was didnt go through ; I didnt receive a single email or voice message warning me that the payment had not paid. 
This happened during the onslaught of the COVID and the major lockdowns, and due to family hardships during COVID, I was staying out of town with family for support reasons and was not even aware that my account wasnt being paid. 

Once I was aware of the situation, I immediately paid the bill and called and emailed the mortgage company multiple times requesting they remove the mark on my credit report. 

I called the mortgage company in XXXX XXXX and sent a letter on XX/XX/XXXX and a follow-up messages on XX/XX/XXXX and XX/XX/XXXX. ( I have attached these letters in the document portal. ) The mortgage company did not reply to my inquiries and gave me this late payment mark on my credit report. I now can not get critical financing I need for my family, because of this mark on my credit, and the company will not help with this unfair situation.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Estoppel v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$1900.00}, XXXX XXXX {$590.00}, XXXX XXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX {$240.00}, XXXX XXXX XXXX {$380.00}.
Product: Debt collection

I received information from a apartment company I was trying to rent from stating that I had an unpaid debt on my record, I checked my report and it shows as Pro Collect is trying to collect on an unowed debt. I've tried contacting the company and they refuse to remove it even though the state is showing that I don't owe anything. They have bough this debt off of another company who is reporting fraudulent information and has no liens or judgment 's awarded to them. I have requested validation of this debt 4 times and they can not show validation and have even stated that they don't have to show or prove the debt is valid.
Product: Mortgage

I have made several attempts to get Selene finance to send me these documents and information.

1. my XX/XX/XXXXmortgage statement. 2. A validation of debt letter. 3.my payment history for the past 12 months. 4.a complete breakdown of my monthly escrow payment
Product: Credit card or prepaid card

Account reporting is inaccurate. Indicates 90+ days late up to XX/XX/XXXX ... However, at the same time, it shows status of " Paid Charge off '' with last activity XX/XX/XXXX. 

If that last activity was a charge off in XX/XX/XXXX, then how was I 90+ days late in XX/XX/XXXX I haven't had this account in many years and the balance has been paid since XX/XX/XXXX. 

There are also inconsistencies. Between bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to complain to CAPITAL ONE AUTO FINANCE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit card or prepaid card

I applied for A discover credit card in XX/XX/2021. I received a not telling me that I would receive an envelope in the mail in 7-10 days and I can check my status on the website. I submitted extra documents on the website and my status was pending. After a month I went to log onto the website and it says my application can not be found. This is disturbing because I submitted the additional documents they requested and they placed a hard inquiry on my credit report. 

I called an tried to resolve this in XX/XX/2021 and they told me there is nothing they can do and I should call credit bureau individually. I explained this does not makes sense as I turned in the additional documents and you all placed a hard inquiry on my account. 

Please help me resolve this and have them remove the inquiry they placed or finish processing my application.
Product: Credit reporting or other personal consumer reports

I had contacted Experain About a debt that I have received on my credit report, I contacted the phone number to XXXX XXXX and XXXXXX/XX/XXXX. I spoke to a man name XXXX at the rental property XXXX XXXX. He and I both agree that this was not me and that they had made a mistake. He then contacts XXXX at theXX/XX/XXXX, expressing for her to remove the debt which she claimed to have done she sent me a letter saying that the debt was removed. I am sending that letter to you yet. experain Will not remove the debt off of my credit history I believe this is some type of racism to oppress XXXX people I have contacted XXXX numerous times asking was this debt removed and they were telling me yes I will send a copy of the letter. Can you please expedite this as they are destroying my credit?
Product: Credit reporting or other personal consumer reports

I froze my account months ago, I wanted to keep my credit safe and had no need to keep them open. Recently I have a received a good credit card offer but to contribute I must unfreeze my TransUnion credit line.

Ive tried to go through their online system but I am met with error after error. Using their online chat feature is useless, you spend almost 2 hours waiting for someone to tell you they cant assist and must elevate this issue to their manager. Then you're forced to call in, wait on hold, then be told the same thing, that this issue is being elevated to the next level and you must now wait until they can unfreeze it for you. Its been happening for weeks now.
Product: Credit card or prepaid card

XXXX XXXX denied me of myg missing objects n claims knowing I'm going identity thief I never received any big the items I order
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting or other personal consumer reports

Have made several repeated requests for Experian to remove old, incorrect, or fraudulent addresses showing up on my credit report. I have been the victim of identity theft on multiple occasions, and these old or incorrect addresses leave open very large opportunities for potential fraudsters, yet Experian has refused to remove the incorrect information. 

The incorrect information Experian has refused to remove are the name XXXX XXXX, which is misspelled and not a name I use in any variation for financial documents. 

Experian is also reporting the following addresses in error : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have never lived at this address, and needs to be immediately removed! 
XXXX. ) XXXX XXXX XXXX XXXX, TX XXXX, this is a very old address in a city I no longer live in and continuing to report it leaves me open to further fraudulent use of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX that a hard inquiry hit my credit score immediately followed by a decrees in my credit score. I logged in and noticed that there was a Hard Inquiry from Bank of America. I happen to be a customer of this institution so I called their fraud department and notified them that this is fraudulent and to NOT approve the application. They informed me that someone applied for credit for XXXX XXXX and a cruise line. I have notified XXXX that this is fraudulent and that I want the inquiry removed and they advised me to notify and report this to the FTC. I have not applied for any credit or loans of any sort nor have I had any previous issues regarding ID theft. I do want to prosecute if these culprits are caught. 

Contacted : Bank of America Fraud Department on XXXX Contacted : XXXX Dispute Department on XXXX Inquiry Date : XXXX Type Bank Credit Cards- Phone XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX