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

XX/XX/XXXX, I called Capital One to dispute 7 charges made to my account. 
The call took 4 hours and when I login to my Capital One account, it shows that the charged were contested, then IMMEDIATELY added back to my account. I was frustrated and the agent helping me simply said " I'm done '' and hung up the phone. However, it was clear that we were not done.

This is now the second time that Capital One has refused me the legal underwriting right, in my contract, allowing me to make disputes. Capital One is breaking contract and illegally charging me for contested items. They are not making the proper inquiries with the seller and now they are charging me instead.

They know they are in the wrong because once they called and tried to offer me {$100.00} to drop this case. I declined and it's funny because there is no recollection of that call ever having taken place at Capital One ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANUNION REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX and XXXX XXXX FROM MY CREDIT REPORT. THESE COMPANIES REFUSE TO DISCLOSE THE METHODOLGIES OF WHY THEY REPORTING THIS FRAUDULANT ACCOUNT AND WHAT INFORMATION THEY ARE OBTAINING FROM THE COMPANY!! THEY JUST KEEP SAYING IT WAS VERIFIED!! IT IS NOT VERIFIED!! DISCLOSE YOUR REULTS AND HOW YOU CAME TO THEM ALL TO ME -ALL THREE BUREAUS OR BE SUED AND REPORTED TO THE DEPARTMENT OF JUSTICE AND THREE STATES ATTORNEY GENERALSD!! THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX FROM ALL THREE CREIT BUREAUS REPORTS!!. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX, FRAUDULANT XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION 609 WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. XXXX  XXXX  AND TRANUNION CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING STATE AND FEDERAL LAWS BY NOT INVESTIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-XXXX-I HAVE REPORTED YOU TO THREE STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THESE COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. TRANSUNION REFUSES TO ALLOW ME ANY ONLINE ACCESS TO MY CREDIT REPORT ON XXXX AND THIS IS ILLEGAL UNDER FCRA. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND XXXX  TRANSUNION AND XXXX  DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED XXXX XXXX AND TRANSUNION TO THE DC AND CALIFORNIA ATTORNEY GENERALS WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, XXXX PEOPLE, AND XXXX VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX AND XXXX XXXX THEY ARE FOR XXXX/XXXXTRANSUNION IN PROVING MY IDENTITY.
Product: Credit card or prepaid card

I was told by the counter teller that I should get a secured credit card through their bank ; Bank of America. The teller told me it was a XXXX Refundable deposit and after making a years worth of on time payments I would receive an unsecured credit card with a XXXX limit. I never received my deposit back or an unsecured credit card. I have made all payments on time and have never been late in over a year. When I asked about why I was told it was at their discretion ( Bank of America ) whom receives a refund of their deposit and an unsecured credit card. I was lied to.
Product: Credit reporting or other personal consumer reports

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I made a payment to my Home Depot credit card owned by Citi Retail Services for XXXX it turns out I made for XXXX. The next day I found they lowered my credit limit to XXXX so when I went to reserve the payment of XXXX it would have put me over limit. Come to find out Citi Retail Services had been pulling my credit report with out my permission to obtain new information about me. I would like to state for the record I did not give this authorization and they should have not accessed my credit report, even if it was a soft pull. In calling they would not help me, one person hung up on me I asked them to fix the credit limit issue then the payment they would not. They stated they will try and reverse the payment however it will just put me over limit, please keep in mind this took place over 3 days.
Product: Credit card

Apple Card by Goldman sacs. I have submitted disputes with this card company about amounts that were not refunded to me when the merchant received their returned items. I have provided information showing that I returned the items to the merchant and information showing that the merchant owes me a refund. They reversed the dispute in the merchants favor by saying I have not provided enough evidence but have not described to me what evidence was not sufficient and keep reopening the dispute with the same outcome and no information is provided
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX TD Cases # XXXX # XXXX # XXXX Dear Sir : Attached you will find my documents for credit card transactions which I conducted with XXXX XXXX using stolen credit cards. The summary sheets show that XXXX XXXX gave me credit card information so that I could pay myself and the consultants for architectural work which was contracted by XXXX XXXX. TD Bank has back charged me a total of {$12000.00} for transactions on TD Account XXXX, that were done by XXXX XXXX using stolen credit cards. I had no knowledge of the stolen credit cards used by XXXX XXXX. 
The architectural project was a new house to be built at XXXX XXXX XXXX, XXXX, NJ XXXX. 
The summary of transactions shows the amount of money deposited to TD Act. XXXX and the amount of money paid to the consultants. The cards were charged using XXXX and the payments to the consultants were paid using XXXX. When the card used to pay {$4800.00} was discovered to be fraudulent all credit card payments ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX on XX/XX/21 sent a 609 letter to XXXX, XXXX, and Transunion regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.
Product: Credit reporting or other personal consumer reports

MY ACOUNT HAS BEEN AND PAID OFF NOW I SEE ITS CLOSED WITH A CHARGE OFF PLEASE REMOVE THIS ACCOUNT OFF MY CREDIT THANK YOU. 


XXXX XXXX, XXXX 4 LATE PAYMENTS Balance details 29 % paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$50000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XX/XX/XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XX/XX/XXXX - - - XX/XX/XXXX - - - XX/XX/XXXX - - - PAYMENT HISTORY LEGEND Status At least 120 days or more than four payments past due Status updated XX/XX/XXXX Past due amount {$14000.00} Original balance {$50000.00} Monthly payment {$2400.00}
Product: Debt collection

My voicemail indicates that I am repeatedly being called by unidentified representative ( s ) associated with Diversified Adjustment XXXX Services, a debt collection business. Telephone # XXXX or XXXX. 

I DO NOT HAVE ANY PAST DUE DEBTS and have never had any debt that was referred to collection. My Credit Score is over XXXX, and I do not respond to any call from any debt collector who obviously has the wrong telephone number!!! 

I am a single woman ( never married ) with no children, and have always paid my financial obligations on time!! I regularly monitor my personal financial information to check for signs of unlawful charges/theft. I have not received any indication or documentation that suggests I am the victim of identity theft. I also screen telephone calls from unknown sources, and respond to only those which are based on legitimate voice/reason. Hopefully, the measures that I take minimize the chances that I become a victim of a credit/financial scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and it is showing incorrect information. I opened up a new account with XXXX  in XX/XX/2021 and the credit reporting agency is stating that the account is deliquent for months the account was not even opened. I have never been deliquent with this account. I want this corrected and my credit score recalculated. Also this is the second time the same credit reporting agencies have done this to my credit report and should be held accountable for this trending error which effects me as a consumer.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it.
Product: Payday loan, title loan, or personal loan

Due to the struggling economy, I've hit a stomp in paying my loan. This company calls me two or three times a day and they call my references and from what they tell me it sounds like a harassment call. I'm wanting to file a Cease and Desist against Mariner Finance. I want them to understand that I will pay monthly payment when I can. I will not be able to pay it on the XXXX of each month and don't need them to call me on a daily basis and harass me on making a payment.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I saw on my credit the amount of {$610.00} to a company by the name of LVNV I was never given a right to dispute nor pay never got a bill they never contacted me I never even knew of this collection til it was on my credit this company has bypassed the person right to verify and disputed and jumped directly into placing information not verified on my credit report this claim should be deleted due to fair credit laws violated by the company
Product: Student loan

My XX/XX/XXXX payment ( check ) to FEDLOAN was returned to me intact on the date payment was due. The payment was postmarked XX/XX/XXXX and I received the returned envelope containg the check and invoice stub on XX/XX/XXXX. The envelope containing the check was unopened and the postage stamp was intact.The FEDLOAN address was clearly visible through the envelope 's window. A XXXX-code had been stamped on the envelope with the words, '' scan this code now to make an on-line payment ''. I phoned a FEDLOAN CSR who had " no idea how this could happen ''. I placed the intact envelope inside a fresh envelope and re-submitted the payment to FEDLOAN on XX/XX/2017. I never had a late payment and, of course, now my payment is " late '', even though there is a grace period. I feel that this was an attempt by FEDLOAN to encourage on-line payments. What other motive could there be?
Product: Debt collection

Called XXXX XXXX on XXXXand they informed me they sold my account to a Midland Credit and the no longer have account in their database. I called Midland and they asked for supportive documents which I faxed in. Someone has used my social security number for their personal gain. See attached documents for police report notarized. 


Account reporting to CREDIT REPORTING AGENCIES is from XXXX XXXX ACCOUNT # : XXXX MIDLAND ACCOUNT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX  XXXXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

I was doing business through PayPal and a client was paying for service through PayPal and when I tried to withdraw funds they wouldnt let me so I contacted via phone to let them know that they kept saying its a error to withdraw my funds so the lady instructed me to follow her instructions and I tried 3 times and it locked me out so she then told me to say 48 hours to try again so I called back and another PayPal representative told me to do the same thing the First Lady did that caused me to have to wait 48 hours to try again and I told her that I tried that with another representative already and it locked me out from doing anything for 48 hours so she said just follow her instructions so I did and it did the same exact thing and she hung up immediately so it cause a flag to go over my account and then they came to terms they would hold my funds for 180 days for chargeback feeds. I emailed the executive of escalations and he would not be understanding of my situation to get my funds back with it being there phone representative fault they flagged my account so its been forever and they still not giving my funds back. I have photos and emails from the conversation Case # XXXX
Product: Money transfer, virtual currency, or money service

I would send a test amount of {$1.00} using XXXX just to make sure it would go through before I send a bigger amount. The test amount would go through, but then when I would send the bigger amount of {$500.00}, everytime it would just deny letting me send it yet the test amount of {$1.00} would go through perfectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX sent me a XXXX XXXX of XXXX for a old credit card balance. So I reported it on my taxes. A few months ago, the old account that had XXXX balance started showing a balance on all 3 credit Reporting agencies. I disputed all 3 and sent a copy of the XXXX and a IRS statement that said it was cancellation of XXXX XXXX XXXX XXXX XXXX right away. XXXX and Experian did not. So I disputed it again. They still claim the account is verified and shows a huge late balance. The Balance should be XXXX. Can not get any into from XXXX XXXX about this. But it is causing me to have high interest rates and severely damaging my credit. The letters themselves are very easy to figure out. The account should not be showing a current balance. I do not understand why 2 of the  agencies can not figure this out. Its so simple of an error on there part.
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid off our mortgage in XXXX with Chase mortgage in the amount of {$130000.00}. It does not appear on our credit report. It is in good standing and paid off it should still be on our credit report. When attempting to get JP Morgan Chase and the 3 credit company 's to put it back on our credit report they never did.This effects our credit score. It shows we have no credit.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the account below : XXXX XXXX 
The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the account after the companies recognized the inaccuracy of the account. 

I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts contains transaction history and experiences with the persons that I have engaged in a consumer credit transaction with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, under the exclusion section it states that my consumer report does NOT include : report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is solely responsible for deleting what's been furnished on my consumer report. Moreover, this company did not have my written instructions to furnish this information on my consumer report, which is against the FCRA. So, they did not have permissible purpose nor shall my consumer report contain such information. All balances must be zeroed out immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX continues to violate my rights as a federally protected consumer. I sent EQUIFAX MULTIPLE FTC Identity Theft reporting and letters and filed MANY CFPB complaints in regards to a fraudulent ( and delinquent ) XXXX XXXX account that continues to report on my credit report. They continue to remove and reinsert it back on my report. The reporting of this account is an ERROR and has been extremely detrimental to my health. It has additionally now caused my over credit cards that ARE mine to be negatively affected. Both of my XXXX XXXX credit card limits have been dropped over {$15000.00} in total. That is ABSURD. The account is NOT reporting 100 % accurate with any credit reporting agencies reporting the account ( see Exhibit A ). I disputed the account right away and XXXX permanently removed the account from my report. How can EQUIFAX verify that the account as " accurate '' when XXXX removed it ( Exhibit B and A show proof ) AND the information between EQUIFAX and XXXX doesn't even match ( ex. the open dates are different ). I have been in this dispute process with EQUIFAX for many many months and my health is taking a toll. If this does not get handled right away, I will be taking legal action.
Product: Debt collection

MARS is still stating the old amount that we owed. On XX/XX/XXXX XXXX XXXX at XXXX at XXXX XXXX XXXX  agreed to take off {$850.00} of the amount that we owed. We had already paid 30 % of the amount that we owed plus the {$850.00} we should only owe a little over {$300.00} now. MARS is still reporting to the old amount before the {$850.00} was taken off. XXXX XXXX said that she has reported this to MARS more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.