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

To whom it may concern : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e 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 Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form CAPITAL ONE ( XXXX ) - ( XXXX ) XXXX attach you will see documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, Also, The banks agreed to remove the late payment. I had a family emergency & was out of the country. The banks said they'd give a one time goodwill removal for the issue since I've been such a good customer. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX || Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX || Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX || Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX || Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I opened a checking account with Charles Schwab and it was never disclosed that a hard inquiry would be pulled on my credit. It does not make sense that a hard pull would be done for opening a checking account. I can maybe understand a soft pull but not a hard pull for opening a checking account. This is ridiculous! 

This was not done for my wife who is the other applicant on this checking account. 

The process for me as a co-applicant from the beginning has been very different and they have treated me with discrimination asking me for more documents due to my nationality and language. 

Even on my first call, the phone representatives did not believe it was me, asked me a lot of verification questions and now I have proof of discrimination because I can see that they even did a HARD PULL on me, and not my wife. They have even asked me for additional proof of ID and documents, once again, these things were not asked from my wife who is the primary applicant. 

A representative called me with a very patronizing attitude from Charles Schwab on XXXX/XXXX/18 ( XXXX ) XXXX XXXX XXXX XXXX with nothing but blaming me for not paying attention when I applied for their account.
Product: Credit reporting or other personal consumer reports

Open an credit line with Upgrade. Payments on auto. Payment was blocked for insufficient funds to my surprise. There was a mistake on account on my end. Called weeks later to fix, told be rep no record of such an amount owed or actions taken on said mistakenly missed payment. Report on credit report as delinquent. I called in shock as I was told the payment missed could not be found, called, asked for investigation, was said would happen, fixed the payments missed, was told no record of investigation taking place or filed on my behalf. Operator apparently lied to me! Credit negatively effected unfairly! Tried to fix payment before delinquency occurred but told no record of such payment due. Phone call recording would prove all I say but no investigation done as I was told would be done! Dropped credit line from XXXX to XXXX while XXXX owed at a time when other creditor increased line of credit! Most importantly, delinquent report should not have happened as I reached out to fix issue and in turn given wrong information and lied to about request for investigation! More importantly, creditors online app for payments which caused days delay and return payments and yet they still deemed me delinquent! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you today to demand immediate action regarding the unauthorized, inaccurate, and fraudulent accounts that have been erroneously associated with my credit profile. Pursuant to 15 USC 1692c ( c ) the law clearly states that if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt, the debt collector shall not communicate further with the consumer with respect to such debt. 
I have notified XXXX XXXX XXXX XXXX XXXX that I refuse to pay this debt on XX/XX/XXXX. This company is still reporting on my Equifax credit report as of XX/XX/XXXX. They have also attempted to communicate about collecting this debt even after the refusal to pay the debt letter was received on or around XX/XX/XXXX. I am in the process of pursuing litigation against XXXX XXXX XXXX XXXX XXXX for these violations.
Product: Money transfer, virtual currency, or money service

I was told that i was going to enter a service and receive a product but i never did. I entered multiple times which i contacted XXXX and XXXX  to cancel the payments but informed me that there is nothing they can do. Therefore i decided to file a complaint and i will also be filing a complaint with the FBI.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate reporting on my credit reports by XXXX, the U.S. Department of Education, and credit reporting agencies TransUnion, XXXX, and XXXX regarding my student loan account ( Account No. XXXX ). XXXX has admitted in a letter dated XX/XX/XXXX that my account was transferred multiple times to : U.S. Department of Education DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  These transfers were done without my consent or proper authorization ( XXXX form ) and constitute payment, satisfying the debt under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, this account is still being inaccurately reported as unresolved or delinquent on my credit reports. Key Issues : 1. FCRA Violations by Credit Agencies : Under 15 U.S.C. 1681i ( a ) ( 5 ) and 12 C.F.R. 1022.43 ( a ), credit agencies must promptly update or correct inaccurate information when evidence, such as a notarized adavit, is provided. Despite my submission of notarized documentation, they have failed to update the account as Paid in Full. 2. Name Change Not Updated : I legally changed my name to XXXX XXXX XXXX due to fraudulent and inaccurate reporting tied to my former name ( XXXX XXXX ). TransUnion, XXXX, and XXXX have failed to update my legal name as required.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 Sec XXXX - " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 
I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. AFFIRM INC. is a financial institution under that title. 15 USC 1681 section XXXX a section XXXX states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. AFFIRM INC, the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, AFFIRM INC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non-disclosure option. AFFIRM INC. never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( XXXX ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information. 
Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than XXXX years. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( XXXX ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title '' XXXX and XXXX are not maintaining reasonable procedures. Also, XXXX XXXX states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

Mortgage went up {$200.00} Its a fha loan mortgage company wont work with me
Product: Consumer Loan

Well Hello, My daughter and I purchased a car in XX/XX/XXXX and it 's was financed through Pinnacle Financial Group where my Mother cosigned for me the car. So her and I were both on the car contract and it was not reported on my credit report as stated and promised. We have called Pinnacle Financial Group forever on many, many occasions and gotten the run around and also we call XXXX on several occasions and did a dispute and they stated they would investigate. To no evail. I have contacted Pinnacle and XXXX today XX/XX/XXXX again ... No Results
Product: Bank account or service

The issue began in XXXX. I have a gym membership that I have tried to cancel but they still debit my bank account. I was working with them directly to get this stopped and did n't involve the bank or I would have incurred more fees. The bank account went negative due to the debit. The NEXT day my direct deposit put in {$50.00} to my account. Hours later, I incurred an overdraft fee. I emailed them asking for waiver of fee but to no avail. I told them to put a stop on all attempts to debit anything when I have a negative balance ( as I told them I did n't want overdraft protection anyway ). They finally did this. I was having a hard time depositing money into my account as this bank is not located near me and I would have had to mail in a money order. I continued having {$50.00} direct deposited from my paycheck biweekly. Still incurring overdraft fees once every week for {$25.00}! Finally on XXXX XXXX, I was able to figure out how to set up my prepaid account with XXXX XXXX ( I use this more frequently ) to transfer and deposit funds to USBank. I sent {$110.00} which brought it out of the negative status. Then the gym tried to debit yet again and even though US bank reversed it ( due to not enough funds to cover it ) they charged me a fee for it. That 's fine. I knew how I can get the money in there when I got paid. Then I tried to log into Mobile Banking around XXXX/XXXX/15 ( less than two weeks after the last deposit ) and now my account is closed. I am now unable to see my account information on their website. When I click to view my past statements and letters, they are not viewable. Sent an email to them and received no response.
Product: Credit card or prepaid card

I just went through a bunch of statements that were sent to me and man, there are so many mistakes! I need some proof to clear things up. Can you provide me with some documents that break down the finance charge? I want to know exactly how you calculated it, including stuff like the average daily balance and periodic rate for each period. Oh, and if you used the Federal Reserve prime rate, make sure to factor in any changes that affected the interest. Did you use the average daily balance method? And did it include or exclude new purchases? Also, if the finance charge includes insurance to protect the creditor, tell me what type of insurance it is ( like legal or debt suspension ) and how much it cost in each period. How did you miss all these errors?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract with these companies and they did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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, 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 an 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: Debt collection

XXXX XXXX XXXX are claiming i owe {$210.00} to a gym ( XXXX XXXX ) when i have never used the gym except for one time and i cancelled it after that. i never wrote any contract with them i never gave them my information. I cancelled my membership months ago and never they are being incooperative ( both the gym and debt collection firm ) and are not willing to provide me proof of the contract i allegedly signed. They tell me i need to write a written request which I believe is just something to get me to quickly pay the debt instead of wasting my time writing letters. I know for a fact they have no proof of me signing any contract because i never did. I think law enforcement needs to take action against this law firm and/or gym because they are illegally trying to collect money and threatening to forward it to my credit if not paid.
Product: Money transfer, virtual currency, or money service

I sent {$100.00} to a friend via CashApp on XX/XX/XXXX. They contacted me to let me know that they had to get a new phone and lost all their contacts, as well as access to rheir CashApp account. I attempted to contact CashApp support, but they said they couldn't pull the money back, since the transaction had completed. My friend is unable to access their email associated with their account, and would have to create a whole new account in order to continue using the app.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00}
Product: Money transfer, virtual currency, or money service

I was using my credit card to get service done on my car at a dealership. I was NOT using Paypal ... just using my credit card ( card present ) like normal ( althought the card I used was also linked in my Paypal account ). The card was declined and I received an email shortly after that Paypal thought it might be a fraudulent transaction and declined it. But I was NOT using Paypal. How did Paypal see my transaction and have the ability to decline it? I rely on my credit card company to protect me from fraud. I don't expect Paypal to be spying on my transactions and making decisions like this with their subpar fraud defenses that have too many false positives. This caused me inconvenience, confusion, and I didn't get the rewards on my transaction.
Product: Debt collection

the account is past due, cause of covid-19, the reemployment assistance is still pending, i check and call them but there isnt a way to leave a message and sent a email on there site still to this day, ive heard nothing they are calling use the number i give and a XXXX number as well, when i call american express they had me on a recorded line with out my permission and wanted me to agree for auto payments in out to get any assistance. i file a dispute all credit bureaus all sent it back as frivolous.at this time it is hard for me to maintain .they add late fees and high interest and sent a email stating if i miss two more payments they will be reported
Product: Credit card or prepaid card

I made a reservation at XXXX  XXXX  on XX/XX/2021 for {$350.00} that was to hold the reservation. The {$350.00} would be applied toward the bill ( I have the message to prove this ). The {$350.00} was not applied towards my bill. I used my credit card twice at XXXX  XXXX  on XX/XX/2021 ; one for the amount of {$640.00} and again for the amount of {$370.00}. The {$350.00} should have been applied to either of those transactions but it was not. When I asked the server about it, I was told the {$350.00} would be returned to my credit card instead. The funds were never returned. I have tried contacting XXXX XXXX several times but I get no response. A dispute for {$350.00} was submitted to Navy Federal Credit Union. The dispute was closed by Navy Federal Credit Union without returning the funds. I have all the documentation to prove the {$350.00} should have been applied to my bill but wasn't and I am not able to reach XXXX XXXX.
Product: Mortgage

NUMEROUS VIOLATIONS OF REGULATION Z DOCUMENTED ADMITTED ... NEVER CORRECTED AS REQUIRED UNDER REGULATION Z XXXX XXXX, NATIONSTAR, XXXX XXXX, XXXX XXXX .... SEE ATTACHED FROM XXXX XXXX CIVIL CASE 2019 CA XXXX .... THE STATE OF FLORIDA TOOK IT SERIOUSLY ... LAST CHANCE FOR THESE DEFENDANTS TO COMPLY VOLUNTARILY ... SUMMARY JUDGEMENT HEARING ALREADY REQUESTED ... .THIS IS ONLY PART OF THE EVIDENCE WE COLLECTED ... THERSE DEFENDANTS WERE VERY BRAZEN IN THEIR DISREGARD OF THE TILA.. THEY THOUGHT DECEPTION MADE THEM IMMUNE ... IT WAS JUST THE OPPOSITE ... THE EXTENDED FRAUD EXTENDED THE STATUTE OF LIMITATIONS ... THE TRUTH WOULD HAVE SET THEM FREE ...