23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened the Capital One credit card account with promotional terms of purchase {$6000.00} in first 90 days and got rewards of {$750.00}. It took 2 weeks to receive the mailed card, as soon as I received the card I called the customer service to active it, and then it took another 1 week for them to review and active my account. Thus, I contacted the Capital One customer service by phone and confirmed with them that my promotion term of 90 days will extend to XX/XX/XXXX/24 since it look longer than usual time to set the card get activated. 

Then, I spent over {$6000.00} with the card before XX/XX/XXXX2024. There was a transaction from XXXX XXXX with the amound of {$66.00}. This transaction was made by me on XX/XX/XXXX2024 and got posted on XX/XX/XXXX2024. Capital one used the post date to calculate the card opening and determined that this transaction is ineligible for the card opening spending bonus. Without this transaction, my total spend is about {$5900.00} before XX/XX/XXXX/2024, making me disqualified for the card opening spending bonus. 

However, the letter I received from capital one just said " To earn this bonus, you needed to spend {$6000.00} on purchases within the first 3 months of account opening. As of the date of this letter, you have not made at least {$6000.00} in purchases, however, per your request, we have extended the time period for you to make purchases to qualify for the rewards bonus to XX/XX/XXXX/2024 as a one-time courtesy. '' It doesn't mention about the post date. I made the more than {$6000.00} purchase before XX/XX/XXXX/2024, therefore I should qualify for the card opening bonus. The spending amount should go by the purchase date because that's when I made the purchase
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I sent a dispute letter to Equifax via mail, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I took all necessary steps to ensure the accuracy of my dispute by including copies of my photo ID, social security card, and a recent bill displaying my current address. Despite sending a dispute letter with all the required documentation, I did not receive any response from Equifax regarding the investigation results. Equifaxs failure to respond with the results of the investigation into the disputed items on my credit report violates their obligation and my consumer rights under the Fair Credit Reporting Act. Additionally, Equifaxs lack of response leaves me without information about the status of my dispute and prevents me from taking appropriate action to address inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These items need to be removed from XXXX, XXXX, and XXXX these aren't my accounts and were told they were going to be removed and I will seek pressing charges XXXX 1.ERC account number XXXX date opened XXXX XXXX original balance {$390.00} 2. Inquiries XXXX XXXX inquiry date XXXX not my inquiry XXXX XXXX Inquiry XXXX not my inquiry XXXX XXXX  inquiry date XXXX not my inquiry XXXX inquiry date XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inqiury 3. XXXX XXXX XXXXXXXX XXXX accounts have been paid 4. XXXX XXXX XXXXXXXX account number XXXX not my account 5. Late payments from XXXX XXXX account number XXXX XXXX 1. Inquiries XXXX XXXX XXXX Inquiry date XXXX not my inquiry XXXX XXXX XXXX XXXX inquiry date XXXX not my inquiry 2. XXXX XXXX XXXX Account number XXXX not my account 3. XXXX XXXX XXXXXXXX XXXX accounts have been paid 4. late payments from XXXX XXXX account number XXXX XXXX 1. XXXX XXXX XXXX account number XXXX not my account 2. XXXX XXXX  XXXX XXXX accounts have been paid 3. late payments from XXXX XXXX account number XXXX
Product: Debt collection

They are collecting on a debt that was discharged though chapter XXXX bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Transunion XXXX XXXX. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Product: Credit reporting

Transunion can you view the FCRA SECTION 609 AND SECTION 610 FEDERAL LAW? AND EXPLAIN TO ME AND THE FTC WHY YOU DO NOT FOLLOW THIS FEDERAL LAW? 
IF SO DO YOU GO BY THIS LAW YES OR NO? IF YES EXPLAIN WHY YOU HAVE NOT SEND ME THE ORIGINAL SIGNED DOCUMENTS THAT I BEEN REQUESTING FROM YOU FOR MONTHS ARE YOU AWARE THAT YOU ARE BREAKING HE LAW? PLEASE EXPLAIN THE LAW CLEARLY STATES ME AS THE CONSUMER HAVE THE RIGHT TO ASK YOU FOR THE INFOMATION PLEASE READ THE ATTACHED DOCUMENTS AND ANSWER ME AS TO WHY. THANK YOU THE LAW DO NOT SAY ANY THING ABOUT CONTACTING THE CREDIT IT SAID UNPON REQUEST CONSUMER REPORTING AGENCY THATS YOU ...
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally file a complaint against Equifax for their refusal to remove an inaccurately reported bankruptcy from my credit report. Despite my attempts to dispute this information, Equifax continues to report a dismissed bankruptcy, which is unfairly impacting my credit score and financial standing. 

Description of the Issue : The bankruptcy in question was voluntarily dismissed by the court, as evidenced by the attached court order. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a credit report is accurate and complete. Reporting a dismissed bankruptcy does not accurately reflect my current credit status and is effectively equivalent to no bankruptcy at all. 

I have contacted Equifax multiple times, providing them with the court order dismissing the bankruptcy. However, Equifax has refused to remove the dismissed bankruptcy, and remain on my report as " dismissed. '' This continued reporting is unjustly damaging my credit score and financial opportunities, misrepresenting my creditworthiness, and leading to higher interest rates and denied credit applications. 

Attachments : 1- Copy of the court order dismissing the bankruptcy.

2- Copy of correspondence with Equifax regarding this dispute.

Thank you for your attention to this matter. Please confirm receipt of this complaint and keep me informed of any actions taken.
Product: Credit reporting or other personal consumer reports

I previously disputed accounts with XXXX, XXXX and Trans Union because I was a victim of identity theft I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information.

They stayed in my account is verified but how is that possible? Account name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), account number : ( XXXX, XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies
Product: Credit reporting

We spent 11 ( eleven ) years living in a apartment in XXXX, XXXX called " XXXX XXXX XXXX '' at the address XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX we returned the keys. They refused to inspect the apartment with us and return the deposit we had paid 11 years earlier. 
We learned much later that two months after we left, in XXXX XXXX, they reported to the Experian credit agency that we owed them {$400.00} and we refused to pay. In XXXX XXXX, we received a letter from them to pay {$400.00}. No explanation, just : " send a check for {$400.00} ''. 
I ignored them. Eight months later, XXXX XXXX, I received a letter from someone who claimed to be debt collector by the name " XXXX '' in XXXX, XXXX to send him a check for {$400.00} plus {$20.00} for his pocked. I asked for an explanation : who wants me to pay money to whom and why. He send a list given to him by that apartment business headquarted in XXXX XXXX XXXX, XXXX. 
The list started with an amount of {$94.00} for which no reason was given as to why I should pay. Several entries followed with preposterous reasons given why I should pay. The list ended with the entry " Tax : {$5.00} ''. 
I asked why they thought I owed them that money. This was preposterous, in a Court of Law they would be thrown out by any Judge. The so-called debt collector sent me a copy of out last lease. I did not respond. I did not pay. 
In XXXX XXXX, we tried to get a loan to buy a house. This is how I found out that that apartment business from XXXX had reported to Experian that we owed them money and that we refused to pay. And they had done so two months after we left and had no idea that they wanted me to pay money to them. 
Around XXXX XXXX, I wrote a long letter to Experian disputing the entry in my credit report. Experian asked for evidence. I sent them the evidence. Experian responded by sending a printed leaflet " Your rights as a consumer '' and moved the negative entry in their record from XXXX XXXX to XXXX XXXX. That is in the month in which they broke the law. Which says that they have the obligation to investigate within 30 days and publish the results. A look at the list is sufficient to know that the owners of the " XXXX XXXX XXXX XXXX '' and/or their representatives and also " XXXX XXXX XXXX '' are criminals. They demand from me to pay money and they refuse to say why. And Experian co-operates. This makes the Experians criminals too. 
In the meantime I have been told several times by many different people that especially Experian does business with so-called debt collectors extorting consumers and make big money together. Why did Experian move the entry from XXXX XXXX to XXXX XXXX?
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX multiple times and they have not removed it off my account
Product: Credit card or prepaid card

Since XXXX of XXXX Peoples United Bank was required to submit all account information including credit cards with XXXX XXXX XXXX and have failed to do so. They provided a letter to the OOC and CFSP indicated they forwarded the correspondence to XXXX and have responded that I am an authorized user so they can not release the records where my name is listed since XXXX XXXX is the primary cardholder. I have evidence of where XXXX XXXX fraudulently used a Peoples form in XX/XX/XXXX to say I had changed my address in XXXX CT, which he completed and I was living in VA. He used my income to open the account and most likely signed my name as a copy of my license and a XXXX branch employee named XXXX XXXX was in an envelope. With your help, Peoples provided the highly suspicious {$90000.00} worth of individual checks to XXXX XXXX and cashed over 3 years all at the teller counter. According to my friend of 42 years, and Human Resource manager at People United for 30 years, these transactions that spanned 3 years should have been investigated after the 3rd transaction in XXXX that totaled XXXX in cash through an account that was primarily dormant and opened by me and my mother in XXXX.
Product: Credit card

On my Goldman Sachs Apple card, On or around XX/XX/year>, I disputed a transaction for {$260.00}. I purchased a XXXX costume from a company in XXXX. When it arrived, it looked nothing like the costume in the photos and did not fit. I requested to company in XXXX in XXXX of XXXX  that I be allowed to return it per their policy. They agreed, but said I needed to return it to XXXX and pay all shipping costs. I demanded that since I was fraudulently sold a costume that did not match the photos, they needed to pay all costs. The company in XXXX refused. Instead, they offered me a partial refund. I declined and filed the dispute with my Goldman Sachs Apple Card. Since then, Goldman Sachs has continuously reopened the dispute and closed it in favor of the company in XXXX requesting more information each time since XX/XX/year>. I am disappointed with Goldman Sachs Apple Card, this is by far the worst experience I have ever had with a credit card company.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX Balanced {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Checkr and the company XXXX XXXX are reporting information that is older the 7 years. Its complicating my ability to obtain work. I reach out to both companies and they wont correct the error.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate information on my Equifax credit report. The report shows that I have 60-day and 90-day late payments for one of my accounts, but there is no corresponding 30-day late payment listed. This is an inconsistency, as it is typically not possible for a payment to be 60 or 90 days late without first being 30 days late. 

Details : Account XXXX XXXX XXXX XXXX XXXX : Equifax Issue : Inaccurate reporting of late payments ( 60 and 90 days late ) without a prior 30-day late payment. 
Dates of Late Payments : XX/XX/2024 & XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), all information reported on my credit report must be accurate and complete. The absence of a 30-day late payment, followed by 60- and 90-day late notations, suggests that the information being reported is incomplete and inaccurate. 

I have disputed this matter directly with Equifax, but the issue has not been resolved. I am requesting that the CFPB investigate this issue and assist in having the inaccurate late payments removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. I RECENTLY LOST MY DRIVERS LICENSE AND NOW I AM SEEING THESE FRAUDLENT ACCOUNTS ON MY CREDTI PROFILE. I DID NOT OPEN NOR AUTHORIZE ANDY OF THESE ACCOUNTS OR INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to gross negligence of companies like Equifax handling our personal information I find it extremely unethical for credit monitoring companies like Equifax and XXXX to be able to not handle our private information properly, have several hundred millions of US citizens social security and finance information leaked, and then have the gall to expect us to pay them {$5.00} to freeze and unfreeze our credit lines. So we 're basically obligated to go pay these companies money because they leaked our information and we do n't want to be in financial ruin for years because of it. So basically the way this is set up is that we are forced to pay them and if we do n't then our information will more than likely be used by criminals because they are never held accountable. This is legal, and apparently encourageable, extortion. Plain and simple. Companies need to be held accountable for their extreme lack of security with our information or make it free to freeze or unfreeze our credit lines. Does the mob run our finances now because I definitely feel like I 'm obligated to pay protection money in order for my life to be lived normally.
Product: Checking or savings account

Previous complaint number CFPB XXXX. I complained about a technical support issue with my checking regarding adding nicknames to my account. This has been an ongoing issue since XXXX of this year when the bank went with a new online system. I received a letter from XXXX XXXX XXXX dated XX/XX/2018 stating they are still working on the issue and have no ETA on fixing it. I believe I gave it enough time ( 3 months ) and the problem still exists. What can be done to speed up the process to have this problem corrected?
Product: Mortgage

Complaint # XXXX was only concerning the first mortgage. I was referring to the second mortgage. It was bought from XXXX by Ocwen and there is no record that it was paid off but it was discharged in the bankruptcy in 2013. This loan was was released and discharged but there and there is no record that I owe the XXXX. I need a release so I can refinance. It only shows that I owe XXXX but we need written release so I can refinance my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my background check, I have a judgement listed as an eviction. The situation is not an eviction, this is a credit card. The credit card is from XXXX XXXX XXXX XXXX . The account was sold to Second Round collection. It went to court and I settled on XX/XX/2021. I have two settlement letters that show satisfaction from the XXXX XXXX XXXX and from Second Round. I need this removed from my background check as it shows as an eviction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : ID Type : Driver 's License ID Number : XXXX Address : Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, ( XXXX XXXX
Product: Credit reporting

I sent a inquiry dispute letter to equifax stating that certain inquiries on my credit reports was not authorized by me and I asked to see verifiable proof with a document bearing my signature. They sent me a letter saying that it was verified but no proof which anyone can say that it have been verified.
Product: Mortgage

I have applied for a loan modification for my primary residence but am having difficulty communicating with my servicer. 
I Finally got approved as of XX/XX/XXXX, after a variance was approved ( XX/XX/XXXX ) to remove my co-borrower from submitting financial documentation for a modification. My co-borrower is my uncle in law who is a non-owner occupied borrower who refuses to cooperate. The lender agreed to continue with the variance and suggested A quit claim deed ( XX/XX/XXXX ) and I submitted it only to find out it didnt suffice. I went through my three month trial period and paid three months of mortgage ( XXXX XX/XX/XXXX ) and was told throughout the process My co-borrower would be removed so I could continue with the final modification process. End of XX/XX/XXXX I received the final documentation and it included my late husband who passed away XX/XX/XXXX and my co-borrower. I pleaded with the mortgage company for weeks to remove my husband which they finally did however I was told they would not remove my co-borrower as he was on the mortgage note. I was told if he didnt sign I would automatically fall into foreclosure. I again pleaded with my co-borrower to sign and the mortgage company with the intention of wanting to pay my mortgage and keep my home for my children and I, with no success. Ive complied though out the process but I was mislead, misinformed and Ive struggled to get answers.