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

XXXX and Capital one works together on fraudulent transactions.Capital one gave me XXXX on XXXX and i made purchase XXXX : {$53.00}, {$38.00}, {$68.00}, {$33.00}, {$41.00}, {$4.00}. I added all up comes too {$230.00}, and available should be {$260.00}? when i was in XXXX Utah XXXX XXXX XXXX transaction was Declined for {$140.00}, So i paid {$100.00} cash for other items.Than {$41.00} transaction work on {$41.00} and only groceries i got is XXXX XXXX {$3.00}, and {$2.00} bag donuts ...... But XXXX i saw pending transaction {$61.00} XXXX XXXX for groceries..i never gave XXXX my credit card, only at checkout electronic checkout.Now i called in today XXXX XXXX got XXXX or someone dont speak XXXX to good, not clear, i ask to speak with someone else, i couldn't understand her.She refused to get me someone, understand XXXX guess XXXX owns Capital one, because capital one has to many illegals working there.Online when XXXX login it show balance {$390.00} and available {$150.00}, but when i spoke with them, say i only have {$40.00} available.If i got XXXX limit and i should have {$260.00} available, i supposed to get XXXX of free interested, i supposed to get checks on my account to pay bills.They capital one refused to send them, say they dont do that anymore.But they offer it when i applied for credit card.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I found a house for rent on XXXX XXXX the listing was under the name of XXXX XXXXthey pose a realtor renting out three bedrooms one bath at a price of XXXX XXXX dollars because they were looking for someone to make it a permanent home.on XX/XX/XXXX I made arrangements to meet them at XXXX XXXX XXXX XXXX XXXX nj which after hours of communicating with them and the delay and their delay of never coming was false hope and promoted me to contact the police and which time the police arrived along with the owner of the house which said by no means was XXXX XXXX to rent his property as for it was already rented out nor did he authorize keys to enter his property. They scammed me XXXX XXXX XXXX XXXX out of {$2600.00} which was theft by deception and fraudulent placed a hardship on me .i immediately informed chime of the theft and requested a immediate refund chime in return had me fill out documents and supply them with all evidence to support my case.for three months I was promised a temporary refund while the case was under investigation as I rebottled numerous request for my refund to this date of XX/XX/XXXX at XXXX I was promised a full refund and prior to this I also requested documentation as to why I have been refused a refund after providing a police report as well as the place officer who take the case there were also other people who was also scammed which is also in the police report prematted theft by deception is a crime I want my money back in full
Product: Credit card

Dispute Case : XXXX XXXX/XXXX/15 XXXX XXXX NJ {$58.00} I received defective merchandise from a company. The item was returned, but the company failed to issue credit. Therefore I disputed the charge in writing on my Discover Card. Discover has not investigated correctly. The merchant presented XXXX. However the merchant failed to provide proof the XXXX XXXX XXXX were accepted. This was denied. In addition I provided proof ( tracking ) that the item was returned as requested by the merchant. Discover claims this to be outside the return limit. However the merchant failed to provide proof of delivery. The return was within the return limit. The merchandise was not as described, i.e. the glasses were broken. Discover Card failed to investigate unbiased. Instead my legal right of disputing a charge were negligently hurt by making biased decisions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion LLC is continuously reporting fraudulent erroneous items on my consumer report. After I provided an FTC report & statement has to why the information is not only fraudulent, but also reports inaccurate information & violates Federal Law under FCRA. 

XXXX XXXX attached ; is a current up to date report that solidifies the information. Charge-off accounts shouldn't even be reported in first place. Account stop reporting in XXXX with a {$0.00} Payment Received but, for some odd reason its reported on-time payments from XXXX to XXXX.
Product: Debt collection

Dear XXXX XXXX XXXX, I am writing to bring to your attention a concerning issue regarding EXPERIAN reporting practices on my credit report. It has come to my attention that they have unlawfully reported outdated information, which is negatively impacting my credit profile. I demand the immediate removal of this erroneous item from my credit report. As a responsible consumer, I believe it is essential to ensure the accuracy and integrity of credit reporting, and such inaccuracies should not be tolerated. I kindly request your assistance in resolving this matter promptly. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I did not receive a notice of the right to dispute the debt portfolio recovery associates claims that I owe. I have disputed the debt multiple times, recently over the last year, and have only received a notice saying that they have validated the debt and will not dispute it again. They completely left me " in the dark '' to take their word for it that the debt is valid, without providing any documentation. Where is my hard copy documentation? How did they validate a debt? Where is proof of the balance? Where is the payment date proof? During XXXX of my attempts to dispute the information via the credit bureaus, Portfolio Recovery Associates even sent me a letter offering me a settlement amount, DURING a dispute, and according to my credit report ( which they say is valid without providing proof ) is PAST the statute of limitations. After disputing the debt account with the original creditor listed, they removed the account from my credit, but portfolio recovery associates refuses to respond properly to my dispute efforts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that Ive marked as inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00}.
Product: Credit card or prepaid card

The week of XX/XX/XXXX I wanted to close inactive account that was 16 % interest. Discovers retention dept offered 0 % for 12 months on old card. I agreed. Received new card on XXXX XXXX XX/XX/XXXX I get letter dated XX/XX/XXXX stating Discover will be closing my account. Spoke with an agent stating I had another open account. When I inquired agent would not give info about account. Spoke with several customer service reps account managers and fraud dept. one agent stated he had a pedigree. A supervisor in XXXX stated Discover can close customer accounts at any time. So because the portfolio dept didnt communicate with the retentions dept I am out a 0 % interest card for 12 months. The supervisor stated I could always apply for another card. The reason I had two cards was because in XXXX of last year I asked for 0 % again on my first card being a loyal customer they denied it so I opened new card and forgot about old 16 % card. I called today and the XXXX customer service rep was supposed to transfer me to supervisor and we got disconnected. When I asked one supervisor if I could record the conversation she said discover doesnt like that!
Product: Consumer Loan

I have a loan with Ditech ( GreenTree ) that was originally with another company. When I requested a payoff quote there is a corporate advance fee for around {$560.00}. When I called I was told this was for a deferred payment I had. My payments have always been around {$100.00}. I do n't know how or why there would be a deferred payment in that amount in XXXX of 2013. After reading some complaints, I am wondering if this " deferment '' happened when the loan was transferred from whichever company had my loan before GreenTree. I also wonder why the fee only shows up on my payoff quote and not my monthly statement. Are they hoping to sneak in something if I were to pay it off all at once.
Product: Debt collection

This company has called repeatedly on the same day from a number that identifies as potential spam. Instructions to call back a certain number leads to someones voicemail. The calls started on XX/XX/year>. I had not received notice of sell of debt and had heard of this Company prior to the abuse of repeated calls. XXXX started sending emails on the same day the calls commenced. I answered the call back on XX/XX/year> whereas the message read for me to call another number. From what I understand pertaining to consumer rights, XXXX has refused me the opportunity to validate their identity, dispute the charge, and harassed me with XXXX or XXXX calls daily.
Product: Credit card or prepaid card

ON XX/XX/XXXX I was fraudulently charged on my Fidelity Visa for {$510.00} by the XXXX XXXX. I reported it to visa and they gave me a credit on XXXX for {$510.00}. Then on XX/XX/XXXX I was charged again {$510.00} by the XXXX XXXX. I have never done business with the XXXX XXXX   and I have been trying unsuccessfully for the last 5 months to get this resolved. I just got off the phone and it was my 5th call ... they say that a manager will call me within 48 hours but they never do. I just want a credit for the {$510.00} fraudulently charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I submitted disputes to Equifax, XXXX, and XXXX about accounts listed on my consumer report as being inaccurate and false reporting. I clearly stated the law requires them to furnish accurate information on my credit report and to do a thorough investigation into the problem which was not done. Each time I disputed something on my credit report that I know was inaccurate they would come back within 7 days saying the information is verified ; I would never get any information on who verified it or who they spoke to absolutely nothing. Now the law clearly states the following : 15 USC 1681a 603 FCRA ( 2 ) ( A ) ( i ) EXCLUSION : except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Social Security Card or Drivers License are considered credit cards under the TILA definition of a credit card for which they both were used to obtain credit and by law is excluded from being reported. 

Just by this section alone none of the accounts on my consumer report should be there but they are and that is a violation. The practices and procedures used by the credit reporting agencies are unfair and unjust to me as the consumer. Their investigation process is flawed and unfair and is damaging to me the consumer.
Product: Credit reporting or other personal consumer reports

There are several fraudulent accounts being reported to my credit report that are not mine. I've never had accounts with these creditors, and never authorized anyone to open accounts with these creditors. I've tried multiple times to dispute these accounts to no avail. 

XXXX XXXX Date opened XX/XX/XXXX {$140.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Date opened XX/XX/XXXX {$190.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Date opened XX/XX/XXXX {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Date opened XX/XX/XXXX {$6900.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint and the first one was closed and I have gotten no help. My previous complaint # XXXX on XX/XX/ was not resolved and Equifax did not address the issue. I have not had access to my credit profile for months and I have called them and I have tried myeqifax and it will not give me any updated information. The only thing I get is an error code and I am told to call the XXXX number which I have 10 times and they will not fix it. Please stop closing my complaints without addressing and resolving the issue. I have no access to my credit report and I have been denied credit due to this.
Product: Credit reporting or other personal consumer reports

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Product: Credit card or prepaid card

the reason for my complaint with Capital one. 

So Capital One sent me a letter regarding why they denied me the reason of stating that one of my accounts was recently XXXX or more days past due, which is false I have never been late with Capital one. all of my payments have been prior to the due date and auto sign up on the accounts, when confronting Capital one they have stated that is true, which is not true and completely false as if I am being discriminated against by Capital One by having a credit card with them.
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 items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My CashApp account was deactivated by the company for no apparent reason. I had funds available but the was locked for " suspicious activity ''. I never received any other explanation and couldn't reach any one after my initial complaint XXXX  years ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XX/XX/year> XXXX, Transunion, XXXX Subject : Dispute of Late Payment Report Request for Correction Dear Sir/Madam, I am writing to formally dispute the accuracy of a late payment entry on my credit report. The specific entry in question is under the account [ Account Name # XXXX ], reported by [ XXXX XXXX XXXX. According to my records, the information is incorrect, and I am requesting an immediate correction. 

**Legal Basis for Dispute : ** 1. **15 USC 1681 ( a ) ( 1 ) ** : This section mandates that credit reporting agencies ensure the accuracy and fairness of the information contained in consumer reports. The erroneous late payment entry on my report is neither accurate nor fair. 

2. **15 USC 1681 ( a ) ( 2 ) ** : This section emphasizes the need for the reporting system to be fair and equitable XXXX Reporting an incorrect late payment undermines the fairness and equity intended by this law. 

3. **15 USC 1681 ( a ) ( 3 ) ** : It is required that consumer credit reports are to be used in a manner that is appropriate and just. An incorrect late payment mark is an inappropriate and unjust use of my credit information. 

4. **15 USC 1681 ( a ) ( 4 ) ** : The section outlines the importance of maintaining the confidentiality, accuracy, relevancy, and proper utilization of credit information. The current late payment entry fails to meet these standards, particularly in terms of accuracy and relevancy. 

5. **15 USC 1681 a ( d ) ( 2 ) ( A ) ** : This provision excludes certain types of consumer information from being reported if they do not meet the criteria for accuracy and completeness. Given that the reported late payment is inaccurate, it should be excluded from my report. 

6. **15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) ** : The code specifies that information must be reported with maximum possible accuracy. As this late payment entry is erroneous, it fails to meet this criterion and must be corrected. 

**Requested Action : ** In light of these regulations, I request that [ XXXX, Transunion XXXX XXXX ] investigate and correct this error promptly. I have attached relevant documentation ( e.g., payment receipts, correspondence with the creditor ) to support my claim. 

Please provide written confirmation of your receipt of this letter and an update on the status of my dispute within the time frame mandated by the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. Should you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the hard inquiries listed on my Experian credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the dates specified.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

Dear XXXX, At XXXX of XXXX we send the payment in XXXX dollars XXXX our account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX our partner XXXX XXXX XXXX XXXX ) XXXX the Bank of New York Mellon XXXX It was a payment for buying of XXXX 
Amount : {$10000.00} UETR : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
If this payment is also at your compliance procedures, we ask you to finish it as soon as possible. From our side we are ready to provide all necessary documents. 
If it is impossible to send this payment to the receiver, please, inform us how we can get our money back. 
Thanks in advance. 
Best regards. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX