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

i purchased a computer through XXXX and it arrived in a defective manner, When i contacted XXXX they said to return the computor for refund .I returned it they kept promising me a refund but after several weeks and several phone calls they did not send refund, I called Capital One to dissput the charge and they did so then two weeks later they charged my account again saying XXXX  said they never recieved the computor back .i called XXXX they sent me a letter saying they did recieve it and that it was up to capital one to credit my account because they admitted the falt was theirs.Now capital one ask for letters of correspondence between myself and XXXX i provided them and now capital one still refuses to credit my account??
Product: Bank account or service

I signed up for a promotional offer for a Citigold Checking account with Citibank XX/XX/2016. The terms of the offer were to fulfill {$1000.00} in debit purchases and XXXX separate bill-pays in two consecutive months within the first three months of account opening to receive XXXX AAdvantage miles 90 days after the promotional requirements were fulfilled. I fulfilled my requirements on XXXX/XXXX/16. 

Long story short, after battling with Citibank about the promotional offer being attached to my account or not, I 've since received two explicitly written letters confirming that I was indeed enrolled in the aforementioned promotional offer and would receive my miles by XXXX/XXXX/16. I still have n't received the miles, and the executive office told me today, XXXX/XXXX/16, that I would n't receive the miles for another 60 days.
Product: Debt collection

I was charged a wrongful amount for XXXX XXXX  tolls, I was charged for a truck with multiple axles, whereas the vehicle was a one axle passenger vehicle. I was also charged administration fees. I tried to escalate this issue directly with the XXXX XXXX and they even agreed it was a error, and escalated it, but never followed thru with correcting this apparent known issue, where cars are being charged as trucks which is egregious. I would like to pay tolls but not as a truck when it isnt one.
Product: Debt collection

Jefferson capital emailed me about account i allegedly owe. I emailed them back and asked for verification of debt with original wet signatures. I mentioned if not provided in 21-30 days it needs to be removed and reporting positively on my credit report. This was on XX/XX/2024 they responded on XX/XX/2024 and said they are looking into it. XXXX XXXX bought the debt that i did not agree to be sold. 

they violated my rights and privacy per the privacy act. True accord is not trying to collect on the account i allegedly owe. I asked true accord for that info stated above and they said they are no longer collecting on this account and gave it back to Jefferson capital. 

Time is up Please enforce! 
I even completed a 1099 to offer solution They also sent to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a debt that was 2 years three months old. It was sold to a loan agency. The debt was transfred from credit debt and reported as a loan debt by dyck oneal inc. They reported I did not pay a personal loan for the past 3 months and have impacted my payment history for personal loans. This was not For a personal loan..and was mever a loan of any type. They never contacted me about this change. I called the company on XX/XX/2018 they were not able to give me a answer as how they can do this. Only that they bought the previous company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with your company since XX/XX/2018, and during that time, have enjoyed our experience with LOANCARE greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have two late payment ( s ) on the above referenced account in XX/XX/2018 and XX/XX/2018. Since that time, I have been an exceptional customer paying every month on time and never 30 days late.
Product: Vehicle loan or lease

In XX/XX/2022, I obtained a loan from my bank to buy my leased vehicle at the end of the lease. The lease was formerly financed through Hyundai Motor Finance. On XX/XX/2022, my bank completed the purchase of the vehicle. The paperwork sent to Hyundai included a POA assigning my bank the right to take title so they could record the title and perfect a lien for securing the loan. The final pay off amount for the vehicle was {$24000.00}. As required by Hyundai the final payment amount to Hyundai also included sales tax. Total payments made to Hyundai in certified checks were {$27000.00}. 

Hyundai has not requested the issuance of new title and has for the past 5 months and despited repeated calls- well over a dozen - from me and my bank representatives, Hyundai has repeatedly lied to me and my lender about issuance of title. The state title division has confirmed that no request for new title has been made by Hyundai or any other entity. Title is still listing Hyundai as owner. In addition, Hyundai Motor Finance had fraudulently retained the amounts paid for sales tax and has not paid the sales tax as require by law. My bank has stated I may be considered in default on my loan even though all payments have been made and will continue to be made. I am not able to register the vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account with account # XXXX opened on XX/XX/2014 and a balance of {$970.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Heres a draft for XXXX XXXX XXXX XXXX 's CFPB complaint regarding Jefferson Capital Systems : -- - **Complaint Details : ** **To Whom It May Concern at the CFPB, ** I am filing a complaint regarding Jefferson Capital Systems due to their failure to validate a debt they reported on my credit report. This collection, listed as a derogatory account with a balance of {$790.00}, has negatively impacted my credit. 

Account Information : Creditor : Jefferson Capital Systems Account Number : XXXX Balance Owed : {$790.00} Summary of Issue : On XX/XX/year>, I sent a formal debt validation request to Jefferson Capital Systems XXXX asking for proof of my liability for this account. To date, the company has not responded or provided the requested documentation. Additionally, in reviewing my records, I have no history of any business relationship or transaction with Jefferson Capital Systems and am therefore not liable for this debt. 

Thank You XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
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 Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

Today XX/XX/24 I received an email that an account was opened by Chime and they were requesting a deposit to finalize my account opening. I did not initiate this. I called and they had my correct ssn, my maiden name and a previous address. Chime needs to do a better job of verifying identity before opening an account to prevent fraud.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2021, I made an international transfer of {$200.00} from Ria Money Transfer to XXXX XXXX. I received a message that the recipient has the money but the recipient did not receive any money so I called Ria to inform them. They told me they will contact the recipient bank and call me in one to three business days. So I did not hear from them as they promised so I called them again, they told me they have not heard from the recipient bank so I should give them another one to seven business days. Seven business days passed but no action was made so I called them for the third time, they told me to wait for another one to ten business days and it has passed I have not heard from them, my recipient still doesn't have the money, they have not refunded the money either. So I want them to refund my money.
Product: Debt collection

Under the FCRA, I XXXX XXXX XXXX can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while you owe the debt. Southwest credit systems did not have the XXXX XXXX or statement but had my information which i did not consent too. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received several emails stating that my consumer credit report has new alerts and that my credit file has changed for XXXX, Transunion, and XXXX. Please see exhibits. All three of these credit reporting agencies have reported a XXXX  XXXX bankruptcy to my credit reports which dropped my credit scores over 30+ points. I dont recall giving any written permission for this information to be included in any of my credit files. All three of these agencies have taken part in stealing my personal information from a third party ( XXXX XXXX ) and taking it upon themselves to place this erroneous information in my credit files and credit reports. According to the US Bankruptcy court here in Florida, they do not report bankruptcy information to credit reporting agencies. They only report this information to XXXX  XXXX XXXX does not share or sell this information to third parties. ( see exhibit ). Therefore, these agencies are willingly taking part in identity theft to defame my character. Not only did they take part in defaming my character, they have caused me tremendous harm. I have been getting extreme XXXX  from reading negative emails regarding the constant decrease of my credit scores, reporting unverifiable information from other creditors to my consumer report, and humiliation. I will not sit back and allow this to go on any further and I will take all action necessary to have this matter resolved immediately.
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 :XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number :XX/XX/XXXX
Product: Credit card

On or around XX/XX/2023 my capital one Quicksilver credit card ( ending XXXX ) was Unauthorized charged multiple times online and in store. ( Total amount around {$660.00} ) I reported the fraud transactions to Capital One and without any investigations or proof of their investigations they denied my claim. 

I am not willing to pay a single XXXX towards these Fraud Charges since I did not make these. 

Please assist me in resolving this and ask Capital one to provide proof of investigation.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

First off, I have used paypal for years. I understood the process of buying online with them and I am sure I could provide a history if I had to. When paypal broke off from ebay, something in the process changed. Something in the look of the page changed. I clicked on what I thought was the regular paypal checkout button, finished the transaction as usual, and a couple days later I got a hard credit check notification from XXXX. I checked into it and discovered I had unwittingly signed up for paypal credit. I immediately looked for a phone number for them and cancelled the credit line. They were professional about it until I stated they tricked me into signing up for the credit line. They said I should be more careful about how I conduct online purchasing. I blew it off. I just do n't want my credit score affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is from XXXX of XXXX. The insurance was to pay. It had been submitted several times. I also have canceled checks stating this is paid after they had discharged the debt already. 
THIS MEDICAL BILL IS U DER XXXX and is to not be placed on my credit report as of XX/XX/XXXX all medical under XXXX is to be removed. 

Please remove this from my credit report. Its under XXXX and its paid. 

They have also taken steps to remove all medical collections under {$500.00}. This last step went into effect on XX/XX/XXXX, and with this change, its estimated that roughly half of those with medical debt on their reports will have it removed from their credit history. 

If youre one of the millions of Americans with overdue medical bills, you may be able to take steps to ensure this information no longer affects your credit, including your access to employment and housing.
Product: Credit reporting

I 've previously sent a request to your company to investigate several inquiries that I believe to be incorrect on my credit report. You are required by law to complete these investigations within 30 days of receipt. I have heard of companies pulling people credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation have recently found on my credit report the presence of several inquiries as entries separated from their corresponding accounts. These inquiries duplicate inaccurately the information in my report, and reflect an incomplete and inaccurate processing of information in my file. The inquiry entries should be deleted, or at least merged into the accounts to which they belong. I have sent letter to Equifax and each of the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. XXXX XXXX XXXX, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

IXXXX  XXXX XXXX, ACCOUNT XXXX RECENTLY APPEARED ON MY XXXX   AND TRANSUNION CREDIT REPORTS. 
I disputed the account with XXXX as not mine and it was " verified '' within 2 days. 
During this time, the account appeared on Transunion as well.The account is not mine. 
It says the original creditor is XXXX-XXXX XXXX.This is not my account.I did not live at the address they say when I was delinquent.It is either an error or belongs to someone else whether or not someone used my ID, I HAVE NO IDEA!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I bought a used XXXX XXXX XXXX from XXXX XXXX in XXXX MI -I made all payments on time via automatic bank withdrawal from my XXXX XXXX Account. XXXX I traded the XXXX in at XXXX XXXX XXXX XXXX XXXX MI XXXX I received a letter from XXXX XXXX XXXX thanking me for financing and affirming that my " contract obligation has been satisfied. '' XXXX I received a letter from XXXX XXXX XXXX saying I still owed them money. I called the XXXX on the bill and spoke with XXXX who threatened me with an even larger bill if I did not pay the one they sent me. I refused and called XXXX XXXX to make sure the loan had been paid off. They assured me it had and that XXXX 's records must be in error. -From that date forward, I kept getting letters as well as threatening phone calls. I have dates and names of those I spoke with. -It has been continuous even though I threatened them with legal action, but they have continued to harass me and now I find that they have also falsely registered this as a current delinquent amount on my credit report EVEN though they have marked it closed and paid. They have harassed me and turned me over to collectors who have harassed me with early morning calls, etc. -I have all necessary documentation to support this, and I want them to cease and I want to sue them for harassment and for damaging my pristine credit history. -This has been ridiculous!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting 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 XXXXXXXX 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 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 or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2