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

Bank has not extended options for help during pandemic. Covid-19 has affected my ability to pay debt on credit card. I have asked twice, and both times received a message of not being eligible, once in mid pandemic and again today. I believe my account is on a list, where no one can help, because usbank also chose to close my accounts for no good reason. I have made payments, but do know other cardmembers have been offered help during these times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Equifax recently leaked a massive amount of information and my information is compromised according to their website. This means they have given other people unauthorized access to my full name, Social Security number, birth date, addresses, and, possible, driver license number. This is a significant misuse of my information and could lead to easy identify theft. 

Their resolution of a single year of credit monitoring service is hardly adequate, and we should be given a lifetime worth of it, along with free credit freezes and anything other services that I and others can use to protect ourselves from this massive XXXX up. 

Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$68.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report, which violates federal law under the Fair Credit Reporting Act ( FCRA ). Despite listing the accounts and highlighting the violations to my consumer report, I have not received a response from any of the bureaus within the mandated 30-day period. Copies of all dispute letters are attached for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Comenity Bank/XXXX on XX/XX/2022 to have my account updated properly but they refuse to update my balance that I owe on the account. It is showing that I owe {$500.00} but I only owe {$99.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute to Transunion via certified USPS tracking number XXXX. It was delivered on XX/XX/2022 at XXXX XXXX. As of today, XX/XX/XXXX, the items are still showing as still being investigated on my credit report that was pulled today. Per the FCRA, a credit reporting agency has 30 days to resolve a dispute or the items must be removed from the consumer 's credit report. It has been over 30 days and as of today I have not received any correspondence from Transunion regarding my dispute.
Product: Debt collection

This bill is in collections for an ambulance ride. I have medical insurance that was given to the original company AND the collection company however the collection company said they can not submit to insurance. I do not owe this debt because I have medical insurance to pay for it. I disputed it on my credit, they just updated it so now it would be on my credit even longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX XXXX in XXXX of XXXX. I gave my information to XXXX to run my credit, my information was sent to Exeter finance where my credit was ran and I was emailed the results, the email was a summary of payment basically what the contract was going to be, the original payment was supposed to be XXXX for XXXX months and the max care was already added to the payment, the APR for the loan was 21.53 % interest, the total, there are discrepancies on this contract I have spoken to an attorney about this situation, Exeter finance committed fraud, deceptive business practice, negligence, breach of contract, the email of payment summary should had match the contract, Exeter finance changed the term from XXXX months to XXXX months, and changed my payment from XXXX to XXXX a month, jack the total price over XXXX months to XXXX dollars I have filed fraud against Exeter finance to the FTC, the ftc is already fining used car dealerships and finance companies for price Gauging, Exeter finance has already been sued for the same problems Im facing I will seek and hire an attorney and take this to arbitration, I dont appreciate deception, changing the contract to get more money, thats taking advantage of a customer I do have proof, this proof was already looked at. And the financing added together from the email it doesnt add to XXXX dollars for 74 months but still Exeter finance changed the terms to get more money from 72 months to 74 months and changed my monthly payment I would be happy to go to court but if they want to settle this with me thats fine, j have no problem with me or arbitration, this shows that Exeter finance takes advantage of there customers, I was dealing with my mother XXXX in XXXX, being emotional and going through all that I was going through, I had time to go over this situation Im not happy and that mad, this company needs to be investigated I will file more with the FTC on this matter thats why laws are changing I can show the CFPB that Exeter finance has been sued and fined for this same situation Im going through, they can resolve this situation I will provide that email that I was sent by XXXX after getting the information from Exeter finance on the term of contract and payment, they made this car and payment so high because they wanted more money Im not excepting what they did to me, something personal I have experienced XXXX losses in my family my mom and step dad , I feel XXXX and Exeter finance took advantage and deceived me, correct this issue, I will send this information and all information to XXXX, I will not tolerate no company to commit deception as what Exeter finance has done, you have my complaint you can call me but up front your call will be monitored and recorded thank you.
Product: Debt collection

I have reached out to the company on several occasions to try and resolve my issue. I have also disputed their reporting with the Credit Bureaus to no resolution. I have asked for proof the debt belongs to me such as written agreement creating my original requirement to pay. I was told and provided a statement copy, which does not establish my ownership of the account in question. Several agents told me this is the only information available. The agency continues to call several times a day regarding this debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX ( Original CreditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? " " The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit card

Company Name : Capital One Financial Corporation Product : Capital One Venture X Credit Card Issue : Account Restriction, Excessive Verification Requirements, Deceptive Approval Practices, and Lack of Transparency Complaint Narrative : I applied for and was approved for the Capital One Venture X credit card in XX/XX/year>. Within weeks of using the card, my account was restricted due to alleged fraud concerns. Capital One requested that I submit identification verification, which I promptly did. 

Despite providing the requested identification verification, Capital One has continued to place restrictions on my account for the past 90 days and has repeatedly asked for additional documentation, including multiple forms of income verification and proof of address. I have submitted all requested documentation multiple times, but each time, Capital One introduces new requirements, making it impossible for me to regain full access to my account. 

I have spoken with more than five Capital One representatives, and none of them can provide a reason as to why my account was flagged for fraud or restricted. They all claim to not have any visibility into the reasons behind the restrictions. Additionally, each representative has provided conflicting information about what documentation is required or would be accepted, further exacerbating the issue. 

Capital One has been deceptive in its approval requirements by not stating upfront the many forms and types of identity verification that would be required. They have used 'bait and switch ' tactics to approve me as a Cardholder, accept my {$750.00} annual service fee, but continue to restrict the access to my account. 

I provided multiple months ' worth of income statements, demonstrating income exceeding {$50000.00} in 60 days, yet Capital One insisted that I needed to provide more months ' income statements as well as a statement from each and every bank account that I have. 

Capital One also refused to accept my wireless XXXX XXXX XXXX account bill as address verification, despite my providing multiple bank statements, a utility bill, and driver 's license that all verified my address. 

Capital One had my social security number and copy of my driver 's license, but insisted they needed a physical copy of my social security card. This is an unreasonable and unnecessary requirement. Financial institutions have the technology to verify my social security number without the physical card. Even the Social Security Administration website advises against providing the physical card unnecessarily. 

This ongoing cycle of requests for additional documentation, deceptive practices, and lack of transparency is causing me significant inconvenience and financial hardship. I am unable to use my credit card as intended, and I am concerned that this may negatively impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX and requested a free Credit Report, which I received on XX/XX/XXXX. It was Report # XXXX for XX/XX/XXXX and appears to have correct information in it for me. 

Included in the same envelope was Report # XXXX for XX/XX/XXXX which had what appears to be identical information in it, but referencing a person whose name is similar to mine, but IS NOT ME. I have NEVER gone by the last name " XXXX ''. 

I wish to know : 1-Why were two Credit Reports sent to me? 
2-Who is this person, XXXX XXXX whom I've never heard of?

3- Is this a case of identity theft or fraud?

4- When do you plan to correct this obvious error? 

I look forward to your addressing this matter by XX/XX/XXXX. Should you choose to ignore or excessively delay a response satisfactory to me, I plan to file a formal complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated try rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a- Definitions ; rules of construction - Exclusions.

-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) I am filing this formal complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to resolve inaccuracies on my credit report, Experian has neglected its legal responsibility to conduct a reasonable reinvestigation of disputed information, leaving harmful and inaccurate accounts unresolved. XXXX XXXX XXXX  Summary of the Disputed Information XXXX. XXXXAccount Name/Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX, account XXXX ] **Issue XXXX XXXX Disputed charge-off status with inaccurate balance information. Experian has failed to : - Correct or delete inaccurate or unverifiable information from my credit report. These failures align with the systemic issues recently highlighted in the CFPBs lawsuit against Experian, such as the reliance on unreliable responses from furnishers and insufficient notification to consumers. Impact of Experians Actions The unresolved inaccuracies on my credit report have caused significant harm to my financial standing, including : - Denial of credit opportunities. - Increased interest rates and unfavorable loan terms. - Emotional distress caused by the prolonged and unresolved disputes. Actions Requested : I request the CFPBs immediate intervention to : XXXX. Investigate Experians non-compliance with the FCRA. XXXX. Ensure the removal the disputed accounts listed above. XXXX. Impose penalties or corrective measures to address Experians systemic failures in handling consumer disputes. XXXX XXXX XXXX  Supporting Documentation Enclosed are the following documents for your review : - Copies of dispute letters sent to Experian. - Evidence submitted with my disputes ( e.g., account statements, correspondence with furnishers ). - Responses ( or lack thereof ) from Experian regarding my disputes. - Any additional evidence supporting my claims. Thank you for addressing this matter promptly. I trust the CFPB will take the necessary steps to hold Experian accountable for its violations and protect consumers from further harm. Please feel free to contact me for additional information or documentation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX charge off, Ed financial, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.Inclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX and they informed me I owe a {$0.00} balance with them and they reported that to the credit bureau. However XXXX and Experian or XXXX are saying they havent received the information, but as soon as they receive such information they will update my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent in XXXX, XXXX, and XXXX requesting for accounts to be removed. Also there were late payments reported for XXXX XXXX that were never late. I have requested that the information be removed from my account as it negatively affects my credit. They have sent generic verified responses or haven't responded at all to my letters providing information on how it was verified, the original note, or anything. I have demanded that the information be corrected and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : notice wrong amount for Primary Mortgage balance with XXXX XXXX. Reporting states {$260000.00}. Updates balance is {$250000.00} XXXX   : Same with XXXX. Wrong balance reported. Should be {$250000.00} XXXX  : Same with XXXX. The XXXX XXXX Primary Mortgage ( not ELOC ) balance should be {$250000.00}
Product: Debt collection

I was taken to court by XXXX XXXX XX/XX/XXXX for the same debt XXXX is saying that I owe XXXX XXXX untility company. In my first attempt to resolve this collection, I was contracted by XXXX at the same time I received notification that XXXX XXXX attorneys were taking me to court. XXXX told me that you are not being taken to court we are assigned to this case by XXXX XXXX. I gave the representative my docet number and he told me he would call me back. I heard nothing further from them. 

I go to court XX/XX/XXXX and settled with XXXX XXXX attorneys, but when I reviewed my credit report I still see XXXX on my credit report along with another collection agency XXXX who was reporting the same information. I disputed the collection on XXXX and XXXX deleted the collection but XXXX updated it. 

I called XXXX again about this and they explained I would have to send them documents from court showing that I paid the debt because XXXX XXXX says that I owe it. I sent the court document from XXXX XXXX proving that XXXX XXXX and I were in court, we settled and the case was dismissed by the judge. I then sent not only XXXX this document, I sent it to XXXX and XXXX too. XXXX called me and said that they received the document but XXXX XXXX wants to see the stipulation. I said why would XXXX XXXX want to see the stipulation if they are the ones that took me to court? I then asked XXXX to reach out to XXXX XXXX to get that information. The document I sent you is public information from Maryland Court Records and I do not owe any money to XXXX. 

Today, I see that XXXX reported that XXXX says I owe them even after uploading my documents. Not sure what else to do at this point. This company is reporting in accurate information and in my opinion fraud.
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 these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX 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.