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

I paid two capital one credit cards in full ( one nearly {$6000.00} and one nearly {$8000.00} ). I checked my balance the next day expecting to see a 0 balance on both cards. Instead, the very day I paid my bills in full, Capital One charged me over {$100.00} in interest on each card. Im hoping you can help. I dont see how people can ever get out of credit card debt when they pay bills in full and credit card companies like capital one charge more interest/fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX, I am using this CFPB portal to dispute the following incorrect information appearing on my credit report. I just want to ensure that you receive my dispute in full detail and timely fix the errors on my report. The items I dispute are also circled in the attached copy of my credit report. 



First Disputed Item : Adverse American Express Account # XXXX Reason for Dispute : I closed the account and settled with American Express. We each signed a release of claims that included a future provision prevented American Express from reporting this debt delinquent after the account was settled. The credit report still shows a late payment of more than 60 days on the column marked XXXX, and more than 30 days late on the columns marked XXXX, XXXX and XXXX. This is the second time I am complaining about AMEX via the CFPB portal about this error on my credit report. I am attaching a letter from American Express as proof. 

on Monday, XX/XX/2021 I spoke with a representative from AMEX at XXXX XXXX and she admitted the account was listing in error that it is a primary holder but I am only an authorized user. Therefore this account is being listed as mine in error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has a account on my credit dated XX/XX/2016 which is 7 years old, this shoud be removed from my credit report
Product: Credit card or prepaid card

I have called Netspend several times Over the coarse of 2 to 3 months regarding fraudulent activity on my account. Ive had almost XXXX representatives lie to me, Ive had representatives hang up on me and put me on hold instead of filing the charges. As of today, Netspend has told me that the fraudulent activity on my account was me! This is ridiculous and it is fraud at its finest. This company does not need to be in business. The charges were as follows I am disputing the following transaction ( s ) that were charged fraudulently to my account without my authorization : Amount Merchant Name {$53.00} XXXX XXXXXX/XX/XXXX {$25.00} XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXXXX/XX/XXXX {$16.00} XXXX XXXXXX/XX/XXXX {$11.00} XXXX XXXXXX/XX/XXXX {$93.00} XXXX XXXX XXXX FL XX/XX/XXXX {$23.00} XXXX XXXXXX/XX/XXXX {$240.00} XXXX XXXX XXXXXX/XX/XXXX {$33.00} XXXX XXXXXX/XX/XXXX {$130.00} XXXX XXXX XXXX FL XX/XX/XXXX {$80.00} XXXX XXXX XXXXXXXX MA XX/XX/XXXX {$33.00} XXXX XX/XX/XXXX {$33.00} XXXX XXXXXX/XX/XXXX {$430.00} XXXX XXXX XX/XX/XXXX {$11.00} XXXX XXXXXX/XX/XXXX {$23.00} XXXX XX/XX/XXXX {$81.00} XXXX XXXX XXXXXX/XX/XXXX *NETSPEND PURPOSELY HAS REPRESENTATIVES MESS UP CLAIMS JUST TO DENY YOU AND TELL YOU THEY ARENT FRAUDULENT. I will be seeking a lawyer.
Product: Debt collection

I answered a call on XX/XX/XXXX from the Alliant Capital Management. Upon answering they had me verify my name, address. They asked about my employment because they had paperwork to deliver. Then we got into the debt call. They stated it was going to go to " litigation '' several times if I did not settle. At this point I still had not been notified of the call being rerecorded or not ( at the end of the call XXXX XXXX stated parts of it might have been recorderd ). 

The orginal debit is from XXXX a payday loan service for {$2500.00}. 

They keep referring to XXXX XXXX XXXX as who will proceed with litigation. They are also stating my employer is collateral on this. 

Contact info for Alliant Capital is XXXX XXXX XXXX is one of my account reps. 

I offered {$700.00} for an on the spot settlement and it was declined. They are getting aggressive and bullying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to XXXX, TransUnion, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of a statement or detailed payment history proving these accounts were paid late. Per the FCRA all reported accounts must be accurate and verifiable. When requested, verification must be provided within 30 days of receiving the letter. Right now, the bureaus are in violation of the FCRA and are subject to legal action. The attached accounts are the accounts in question.
Product: Student loan

My student loan servicer used to be XXXX however in XXXX of XXXX I received the following correspondence The U.S. Department of Education ( ED ) has transferred the customer service of your federal student loan account to MOHELA, another member of EDs federal loan servicer team. Your loans were not sold. 

This was after I had submitted my application to the student loan website for my annual income driven repayment plan and had received information from XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX that that application was processed and accepted and my monthly payments would be {$760.00}. 

When I went to the MOHELA website in XXXX to set up payments the amount due was for $ XXXX and it was listed as my Pay as you earn amount which I did not apply for. The loan servicer also listed the following information which was incorrect : XXXX Pay As You Earn XXXX {$770.00} XX/XX/XXXX XXXX Pay As You Earn XXXX {$2300.00} XX/XX/XXXX XXXX Pay As You Earn XXXX {$1700.00} XX/XX/XXXX What is blatantly obvious about this information are the dates- I did not apply for nor did I make payments in XXXX as it was still under forbearance- in fact there are no records of any such application. The information listed here is inaccurate. I contacted MOHELA to have this corrected and I was told that I needed to contact student loan government website to have them resend the completed application. I did this and I was told by the student loan government website that they could not do so. 

I am now being told by MOHELA that I have to repeat the application all the while being responsible for that payment amount they have listed currently.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Last Verified : XX/XX/2021 Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence I reported this as not my account and ask them to send me verification and they did not provide the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX  XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX decreased my credit line based on what Equifax reported to them which was that my credit card ( S ) had been delinquent, the only credit card that had been delinquent was XXXX which I cleared up, none of my cards are delinquent. 
THIS HAS HURT MY CREDIT SCORE, I HAVE MADE A SNAP SHOT OF MY CREDIT CARDS AND BALANCE TO SENT TO MY ATTORNEY, THE FEDERAL TRADE COMMISSION, AND OTHERS.
Product: Checking or savings account

I was overdrafted XXXX $ against fifth third terms and regulations for their standard overdraft you can not opt out of.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a XXXX  punishable with up to XXXX XXXX XXXX XXXX in addition to civil liability. See attachment
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). 

The debt in question is as follows : XXXX. Account Name : XXXX XXXXXXXX XXXX Amount Alleged Owed : {$500.00} XXXX. Account Name : XXXX XXXX XXXX Amount Alleged Owed : {$580.00} XXXX. Account Name : XXXX XXXX Amount Alleged Owed : {$270.00} Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action.

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report.

The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately.

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted.

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. If you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In response to a Citibank promotion to open a checking account, I followed the three steps to obtain a {$300.00} bonus, namely : 1 ) Make a qualifying deposit of $ XXXX  2 ) Maintain that $ XXXX  balance for 60 days 3 ) Completed one qualifying direct deposit for 2 consecutive months.

I opened my account in late XX/XX/2017, and set up my paychecks to send {$250.00} twice a month to the account. I have maintained that practice to this day.

After six months of leading me along, with multiple Citibank representatives telling me that I had qualified for the bonus and that it was just around the corner, they are now saying that since it took more than 30 days for my direct deposit to start working, I failed on this technicality to obtain the bonus that I had earned.

The original advertisement did not contain any such language, and subsequent materials Citi has shared does suggest that they have a time limit for the initial direct deposit. However, multiple Citi representatives failed to relay this information over the first six months of this account, making my rely detrimentally on their promises ( which they continue to make ). I would like receive the bonus I earned in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out to your company because I am seeking assistance with having the credit bureaus do their due diligence in rectifying discrepancies found on my credit reports. This issue is has been escalated because the companies are failing to do their job. 
In XX/XX/2023, I initiated factual dispute letters on behalf of myself to Trans Union, XXXX, and XXXX. The letters contained detailed information and facts to support my claim of an accuracies on my credit report The accounts that I disputed were the Department of EducationXXXX XXXX XXXX XXXX and XXXX. All of these accounts are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau as they are claiming to have done investigations in which the information is verified through templated responses. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, l to see that something is amiss. They have a responsibility to reports verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. 
I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax on multiple occassions about an item on my report that is not right. I requested they investigate, send me a detailed description of how they verified it ( I want names, dates, and titles of people they talked to at these companies for my lawsuit ) and Equifax sent me half XXXX responses saying it was verified. THAT'S NOT WHAT I ASKED FOR. At this point I'm dealing with the companies legally and considering adding Equifax to the party for continuing to ruin my reputation by reporting these accounts. Both of the companies were sent a cease and desist back in XXXX and have failed to give me what I asked for which is why I filed suit. I didn't forget about Equifax though because looking at my reports I see they're still in cohoots with these crooks also
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by XXXX XXXX. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is seemingly impossible to speak to a human being at Experian. My wife, XXXX XXXX was denied a simple credit card ( XX/XX/19 ) application at XXXX ( on their website ) due to mis-information in the Experian database. According to the XXXX XXXX rep whom I spoke with at length at on XX/XX/19 XXXX XXXX social security number doesn't match Experian 's records. How Experian fouled their data up is beyond me. I have spent hours on their asinine automated phone menu, completely unable to reach a human. Accordingly, I am furious. 

Ironically, XXXX has a very high net worth and no debt. She is an authorized user on a XXXX card with a {$24000.00} limit, which she pays current. 

Ultimately, we opened the XXXX XXXX account in my name, XXXX XXXX XXXX, as XXXX is being denied access to normal credit due to Experian 's gross negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I have a issue with a hard inquiry on my credit report. I have contacted both XXXX credit agency as well as Bank of America. Neither of them can fix the issue and I have no further options. The issue is that XXXX is showing a hard inquiry on my credit report and they are showing that Bank of America are the ones that pulled my credit report. I have never had any business or accounts with them. I called XXXX to get it removed and they told me I had to go through Bank of America. So I call Bank of America to get to the bottom of this and Bank of America can not pull up anything on me, using every piece of information I could give them. I DO NOT EXIST To Bank of America. I told them I needed them to contact XXXX for me and have inquiry removed from my report. Bank of America would have been happy to do so but told me they were unable to do so because they have nothing to start with to start any kind dispute for me. So I call XXXX back and tell them Bank of America has no information on me to even settle a dispute. I asked them to remove the inquiry from my report and they told me they cant do anything without a document from Bank of America saying that they didnt pull my credit report and that it is a mistake. And Bank of America cant send that document to XXXX because they have absolutely no information on me to generate a report and document. So I am stuck with a phantom inquiry on my credit report that neither XXXX or Bank of America can explain to me. So please I need your help in contacting these companies on my behalf to get them to resolve this issue for me. 

The date of the inquiry was XX/XX/XXXX I have contact both XXXX and Bank of America on the telephone on todays date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In review on XX/XX/2023 of my XXXX account number XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late. I spoke to a XXXX XXXX representative on XX/XX/2023 regarding my account was told payment I needed to pay {$60.00} by XX/XX/2023. I paid {$93.00} on XX/XX/2023. However, on XX/XX/2023 a late payment was reported on my credit reports, Transunion, XXXX and XXXX. This account is not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX at XXXX regarding this issue and emailed them and was told their records state I am current and in good standing. I needed to call the credit reporting bureaus. I called the credit reporting bureaus, Transunion, XXXX and XXXX and I was told to contact the merchant directly, in which I had already done.
Product: Debt collection

On XX/XX/XXXX I received my pay check and noticed a GARNISHMENT XXXX, I was not notified by my employer or Abbott Osborn Van Vliet PLC nor was I presented with a judgement. This debt collector is from XXXX XXXX Iowa a city I havent lived in in 10 years.
Product: Debt collection

I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.