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

On XX/XX/2020 I contacted Capital One because I noticed fraudulent charges on my statement. The four charges were : {$36.00} from XXXX XXXX gas station, {$60.00} from XXXX XXXX XXXX, {$180.00} from XX/XX/XXXX and {$1200.00} also from XX/XX/XXXX totaling {$1400.00}. I confirmed that all 4 charges were made in person in XX/XX/XXXX. After filing a claim with Capital One, I never heard anything more from them so I called again on XX/XX/XXXX and then again a third time until they finally addressed the issue. They temporarily issued the credit back on my card while they investigated the fraud. On XX/XX/2020 I received a letter from Capital One confirming that they were investigating the fraud and assuring me that I would not be liable for any unauthorized charges. On XX/XX/2020 I received two letters from Capital One. The first letter stated that the investigation was resolved and that I was not being held responsible for any fraudulent charges. The second letter, dated the same, stated that they completed the investigation and they found no indication of fraud and they credited the charges back onto my account. I called Capital One and they confirmed that they did not think these charges were fraud therefore I am responsible for paying these charges. All 4 charges were made in person in XX/XX/XXXX, a state that I have never been to ( I reside in XX/XX/XXXX ). These charges appeared on my XX/XX/2020 statement, but I unfortunately did not notice them until XXXX because I don't use this credit card so I don't check the monthly statements. Because I did not flag this for Capital One early enough, they are claiming that the charges are not fraud. I have proof that I did not make these charges, starting with the fact that they were made in XX/XX/XXXX, and I've never been there. I also have statements from my other credit card that show purchases I made in XX/XX/XXXX on the exact dates that these charges were made in XX/XX/XXXX XX/XX/XXXX I've spoken to several different people from Capital One over the last month and I've tried everything. I've tried to send them proof that these charges were not authorized by me, but they are still not accepting that these were fraudulent charges and they are making me pay.
Product: Money transfer, virtual currency, or money service

I am following a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protective act ( CFPA ) Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account burnable and unprotected. Furthermore, they dispute process was unfair deceptive as they did not comply with resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations. Publishing somebody else down the road but were gon na go
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018, I have been trying to get this report accurate. EXPERIAN reporting practice is VERY Discriminatory. 

For example, they only report CREDIT LIMITS for negative accounts ( See attached ). THEY DO NOT report CREDIT BALANCES, CREDIT LIMITS, STATUS AND TYPES FOR POSITIVE ACCOUNTS. How are they able to do this pursuant to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 I WANT THE CREDIT LIMITS, BALANCES, TYPE, AND STATUS ON EVERY ACCOUNT REPORTED ACCURATELY.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX of the XXXX XXXX XXXX have been seeking for immediate action and fiduciary trusteeship of the ( XXXX EXPERIAN CREDIT REPORTING AGENCY ) do to inaccurate information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. 

The ( bureau/company EXPERIAN XXXX has failed to properly remedy and investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX  COMPANY XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Debt collection

I found out through my own research that these phone numbers belong to Portfolio Recovery .... I have repeatedly asked them to stop harassing me as I am on the Do Not Call Registry .... Not one single person who has called me has told me that they are with a debt collection agency attempting to collect a debt as required by law. I have asked them to stop harassing me at least XXXX times.
Product: Mortgage

On XX/XX/XXXX I requested TD to removed the forbearance status of my mortgage loan. I brought my account up to date on middle of XXXX. Account was placed in forbearance status because the hardship I was facing becase of Covid-19. 
On same day XX/XX/XXXX, I was informed by a TD Bank representative the account would be removed from the forbearance status after I make the first payment on XXXX. I did it. 

Arbitrarily TD Bank place my account in forbearance until XX/XX/XXXX. Let 's be clear the account is up to date. 

I decide to reach out to XXXX XXXX  since they are the ones who has the mortgage. I was assigned a case number and they are escalating the case to XXXX because TD Bank can not refuse to remove the forbearance of my account, when I am up to date with my payments. 

Account was placed in Forbearance on XXXX paid in full on middle of XXXX. On XX/XX/XXXX request was made to be removed from the forbearance status. Still, TD Bank is refusing to change the status. 

I have emails to prove it, but I couldn't up loaded because of the size allowed.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Student loan

XX/XX/XXXX was when we began communicating with XXXX XXXX XXXX about our student loans. Since then, we have been making payments to XXXX XXXX XXXX as they negotiate a settlement with Navient and Sallie Mae. We changed all of our contact information on the accounts to XXXX XXXX XXXX XXXX just like they told us to do. The loans are in my wife 's name, and we did not provide any other contact information from my family to Sallie Mae or Navient. Somehow today, on XX/XX/XXXX, Sallie Mae called my stepmother to try and get her to give them my wife 's contact information so they could try and get us to pay them what we owe. This is unlawful and an invasion of our privacy as well as harassment to get us to pay them money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. There should be no updated activity after a chargeoff is stated. It is my understanding that once an account is charged off there is no activity to be reported after. There can not me multiple months of charge offs. I am requesting that this account be updated or deleted from my report. I would say that qualifies as " poisoning '' a credit report, which is not a legal practice and could mean a potential violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has done it again. and wonder why I have to furiously dispute as they claim which is ilegalc cause even after almost 6 years has passed and they are still reporting inaccurate, inconsistent, and unfair data to my credit files! Why and how have they gone this far and not been imprisoned for their actions that are absolutely illegal. Well we shall see when the Judge has all the facts. Guess what yall?! More violations from the the XXXX XXXX XXXX. 

Violation # 1 Improper and inconsistent first date of delinquency does not match! So XXXX  XXXX one is wrong or right?! Lets look a their bogus bill and see! 

Violation # 2 How can the first day of delinquency XXXX on the same day the services were provided? So they are all wrong - these XXXX  cant seem to get it right after all these disputes! its their bills that probe its all wrong!
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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 card

I told the XXXXXXXX XXXX XXXX that I paid them off they had closed my account a while back and are still charging me and expected to still pay them XXXX that their charging me and my account was closed way before that
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Loan Servicing , LLC and XXXX XXXX reported inaccurate information to the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being, i have rights under 15 USC 1681 Transunion is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed be removed.

According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts.

15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Capital Accounts , LLC has been unable to verify the debt. I am provided the name of a vendor, but no detail as to any services. I do not know the vendor for whom they are attempting to collect the debt and when I XXXX the name there is no phone number or website. I am requesting validation of the debt or removal from my credit from the XXXX major reporting agencies. I have requested this via phone call and e-mail ( attached ) yet they continue to attempt to collect the debt without any proof that the debt is valid.
Product: Credit card

My Iberia Bank debit card was compromised by a criminal. I noticed fraudulent activity on my account, on XXXX/XXXX/16, with XXXX separate charges, all on the same day for a grand total of {$800.00} ( $ XXXX $ XXXX {$200.00}, and {$6.00} in transaction fees, {$2.00} for each withdrawal ). This is alarming, because I had my card with me the whole time, and never shared my card, or information with anyone. This means someone had illegally accessed my PIN, and had a device to make withdrawals at an ATM, that emulated my card. During the time of the fraudulent activity ( which took place in XXXX XXXX, XXXX, FL, approx 50 minutes away from where I live ), I was making purchases, and atm withdrawals in XXXX XXXX of residence. This proves that I was not present for the fraudulent charges in XXXX, FL. The bank has since denied my claim, and has left me as a small business owner ( self employed ) to fit the bill, for their ineptitude of keeping my account secure from criminals.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint about transunion.com website not working correctly. I can never see the status of the credit freeze on my profile. I followed the instructions given in a reply from the first complaint and it still doesn't work. I have coworkers who pay for transunion.com products and they have no issues accessing their credit freeze status. So basically if you pay you can get access to their free products. This issue needs to be fixed
Product: Credit reporting or other personal consumer reports

THIS IS ONE OF MULTIPLE COMPLAINTS AGAINST BNY MELLON. AND 1 COMPLAINT OF THIS 1 FINANCIAL INSTITUTION OF SEVERAL THAT HAVE BEEN SENT BY INTERNET THE ( 1 ) DOXXING ARTICLE WRITTEN IN A FOREIGN COUNTRY BASED ON A LAWYER WRITING FRAUDULENT LETTERS AS MULTIPLE PATIENTS TO THE COLORADO BOARD OF MEDICAL EXAMINERS and ( 2 ) the reported IDENTITY THEFT caused by DOXXING FROM FOREIGN COUNTRY THAT HAS ILLEGALLY ACCESSED MY XXXX XXXX XXXX BASED ON FRAUD., ( FBI/FTC XXXX # XXXX / FTC Fraud Rpt # XXXX & FTC Fraud Rpt # XXXX XXXX FTC Fraud Rpt # XXXX XXXX FTC Fraud Rpt # XXXX IRS pin recd IRS XXXX CyberCrimeRpt XXXX XXXX/ CFPB XXXX XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB complaint XXXX Homeland Security, Cybersecurity & Infrastructure Security Agency Incident ID # XXXX FINRA # XXXX ) BNY MELLON has caused THIS FINANCIAL ABUSE and FIDUCIARY IRRESPONSIBILITY, and harbors this XXXX article at the level of the EXECUTIVE BOARD. I SHALL PROVE AGAIN BY THIS REPORT. And, therefore YOUR ROLE IS TO REPORT THIS FINANCIAL INSTITUTION TO THE FBI, the FTC, and the DOJ to search the records of BNY MELLON for the internet spread of this DOXXING ARTICLE. I'M XXXX y/o and this is an ELDER CYBERCRIME, as well. BNY MELLON is the sole reason both FIDELITY XXXX and XXXX have dropped their accounts. THEIR RESPONSES ARE MERE INCORRECT REPETITION OF THEIR OWN PAST MISTAKES only relating to a DEBIT CARD. Nothing is mentioned as to the stock brokerage services ...... NOTHING ... CFPB MUST ASK WHY DOES ANY DEBIT CARD inadequate funding by the bank... INFLUENCE THE BROKERAGE SIDE. WHO RUNS XXXX or FIDELITY,,, BNY MELLON?? THE EXECUTIVE BOARD OF BNY MELLON is using this XXXX ARTICLE TO DISCRIMINATE AGAINST ME. They will deny receipt of this foreign generated weapon of financial disaster designed by foreign country which was sent to the IRS to access my TAX RECORDS. i have made this simple and spelled out what you NEED TO DO, or CFPB will be seen as hiding this crime, making YOU JUST AS GUILTY. CFPB NEEDS TO REPORT THE SUSPICION OF THIS ACTIVITY, ON MY BEHALF, to any and all organizations capable of EXAMINING COMPUTERS of the EXECUTIVE BOARD OF BNY MELLON for international security because this foreign report has been seen in the records of the IRS as well. The IRS released A USA CITIZENS TAX RECORDS TO A FOREIGN COUNTRY BASED on these XXXX False articles, that BNY MELLON HAS. WHY WOULD BOTH FIDELITY ( took months ) & XXXX ( took only weeks because BNY MELLON Is only common link ) FBI/FTC XXXX XXXX XXXX / FTC Fraud Rpt # XXXX XXXX FTC Fraud Rpt # XXXX & FTC Fraud Rpt # XXXX & FTC Fraud Rpt # XXXX IRS pin recd IRS XXXX CyberCrimeRpt # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX Homeland Security, Cybersecurity & Infrastructure Security Agency Incident ID # XXXX FINRA # XXXX ). letters, evidence, etc are not attached as these financial crimes has me XXXX without access to a scanner at this time
Product: Debt collection

I have a collection from Convergent Outsourcing that originated with XXXX  in XX/XX/XXXX and I was in XXXX from XXXX XX/XX/XXXX so there is no way this bill is mine and I filed a dispute but they will not remove this debt that does not belong to me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681, section 602 A. States I have the right to privacy.

15 U.S.C. 1681, Section 604 A Section 2 : ,This section provides that the consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

This American Express credit card was issue without my authorization i disputed the card and it took almost 6 months to clear my name and account was close and deleted from credit report.
Product: Credit reporting or other personal consumer reports

I tried once already contacting you guys to get this resolved to no avail so now I filed rept with fed report number XXXX of which I include with this complaint I want XXXX off my report I neverb gaveanyone permission to check my credit let alone 3 times along with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled on XX/XX/XXXX - Car Insurances paid the loan except for {$590.00}. I have received a total of XXXX final bills with different amounts. On my credit report ( Experian ) showed in XXXX that I owed XXXX. In XXXX, Experian added {$400.00} to my balance. I had an opportunity to speak with the finance company and according to their records my balance is {$600.00}. I have continually asked for a final bill but have never received XXXX. Now the company has listed on my credit report that I have been late for XXXX  months while the insurance company resolve payment on the totaled car. 
My contract with the finance company went to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX XXXX XXXX XXXX  Civil Liability for Willful Noncompliance ) and XXXX XXXXXXXX XXXX XXXXXXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$530.00} XXXX  XXXX Balance Owed : {$390.00} XXXX  XXXX Balance Owed : XXXX
Product: Debt collection

The aforementioned credit collection agency representing CREDIT MANAGEMENT LP has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If CREDIT MANAGEMENT LP does not have any documentation, they need to retract this from my credit file immediately.
Product: Vehicle loan or lease

Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card over the phone on XX/XX/2022 to a rep of XXXX XXXX XXXX and a consumer credit transaction was completed with Regional Acceptance Corporation XXXX Regional Acceptance Corporation denied me credit. The denial discriminate against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).