23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is regarding my Capital One Quicksilver credit card that I've had for at least the last 4 years. I pay my bill IN FULL each month using the company 's online autopay service that offers me several payment choices. I always choose Pay on my Due Date, which is the first of each month, and it's never been a problem until recently. About four months ago, my autopay was made as usual ( balance in full ), but I was charged interest on my outstanding balance, even though I paid it in full and on time. Capital one reversed the charges upon my request and all was well. Same thing happened the next month, and the next month after that. Then again this month. This time they refused to reverse the interest charges and accused me of making my payment late each month, even though I'm selecting their autopay option to pay in full on my due date, which is the first of each month. Even their automated phone prompt says, " We received your last payment on XX/XX/XXXX, '' which is when my payment is due. I pointed this out to the agent but she continued to accuse me of making my payment late. This company needs a stern talking to about their billing practices. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory remark on XXXX report. 
Collection Agency : Portfolio Recovery Original Creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/2014 Amount : {$1500.00} I have disputed this with XXXX, but it continues to stay on my credit report. This is not my account. I have never had an account with the above company and wish for it to be removed from my XXXX report.
Product: Credit card

I had a charge of {$5.00} that I had forgotten about, when I realized that I needed to pay, my online account had been deleted/locked out and I was unable to make the payment. I had to call and get their customer support to help me make a payment, and by then I had a {$40.00} late fee applied.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Lexis Nexis has illegally obtained my non-public bankruptcy information without the proper authorization. Lexis Nexis has violated my rights and shared and transferred my non-public information without my consent. This is deemed identity theft. I have demanded that these agencies remove these accounts from my credit report. That I did not give permission to be there. According to the FCRA SECTION 611, PARAGRAPH ( 6 ) ( B ) ( iii ) Lexis Nexis or any third party creditor does not meet the requirements to furnish accounts or information on my credit report. Only the Bankruptcy court is allowed to furnish information. It is True to state that The Courts do not verify or validate information directly with Lexis Nexis or any Creditor or Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband has no middle initial. I have no middle initial. All of a sudden we are seeing mail from our bank and other companies showing we each have the same middle initial. I telephoned Trans Union twice. Each time the call was answered by someone from a call center I believe was not in the United States. She asked a security question. Name 2 of these 6 companies your husband worked at. My husband worked for none, not one, of those companies.
Product: Credit card

My name is XXXX XXXX. Citi Bank closed all my credit card accounts without specific reasons on XX/XX/XXXX, which caused damage to my credit score and loss of money. I filed the small claim court in New York Civil Court against Citi Bank on XX/XX/XXXX. The court ruled in my favor. I forwarded the Notice of Judgement to the Citi Bank Executivte Reposne unit at XXXX on XX/XX/XXXX, without any response. According to the court judgment, Please send me the check for payment of {$9900.00} to my address at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. I have attached the notice of judgment to this complaint as well. According to the court judgment, please also repair my damaged credit score by removing " closed by the bank '' and replaced by " closed by customer '' for all my closed CITI bank credit cards on the three credit bureaus for my account. Thank you!
Product: Debt collection

My XXXX has XXXX XXXX. Therefore is Insurance is responsible for the XXXX Balance not me. My XXXX  XXXX XXXX has XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX His XXXX member number is XXXX. I repeat XXXX. His XXXX insurance was already in place in the system before I took him to XXXX XXXX XXXX associated with XXXX XXXX XXXX back in XX/XX/2023. His Insurance coverage has been Active. Always Active. Therefore I'm not responsible for bill. His XXXX  XXXX is to COVER all of his medical EXPENSES. that's what it is there for!!! My name is XXXX the father. I demand this get resolved!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby authorize Equifax reporting bureau to remove the specified fraudulent creditors and inquiries under the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S Code 1681s-2 on my behalf. 

Dear Equifax Credit Bureau, I urgently bring to your attention the discrepancies in my credit report. Alongside my complaints filed with the FTC and CFPB, I urge the bureaus to impartially address these inaccuracies. The unauthorized access by certain creditors necessitates the immediate deletion of the following : XXXX. Collections- XXXX XXXX ( originally XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX  - XXXX ( auto loan opened fraudulently ) XXXX. XXXX XXXX XXXX {$6100.00} ( identity theft ) XXXX. XXXX Account # XXXX ( fraudulently opened ) Inquiries for removal : XXXX. XXXX XXXX, XXXX Company : XXXX Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX. XX/XX/XXXX Company : XXXX Address : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX. XX/XX/XXXX Company : XXXX Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX. XX/XX/XXXX Company : XXXX XXXX Address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX. XX/XX/XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OR XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX As someone of XXXX identity, I seek fair and unbiased treatment in this matter. I await your prompt resolution in compliance with regulatory standards. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX  I have a a unverified account from AMERICOLLECT. I had previously disputed this account. I have never done business with AMERICOLLECT. Pursuant to the Fair Debt Collection  Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMERICOLLECT Provide verification of the following : 1. ) The original Application or contract ; or a Original contract agreement 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMERICOLLECT Cease  and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, 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 : Account Name XXXX XXXX XXXX XXXX XXXX {$410.00} has 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 : It also states a consumer reporting agency can not furnish a account without written instructions. 

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S C. 16818-2 ( AX1 ) 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, credit repair services, or other personal consumer reports

Complaint XXXX was closed by CFPB although the merchant ( Barclay 's Bank ) advised me they were still working on it. XXXX from Barclays indicated she was working on finding the incorrect address issue with the original billing. I called her repeatedly with more information, but she did not respond. The company 's letter was incorrect and reveals that either their records are faulty, or they are concealing the true nature of our conversations. XXXX 's description of my telephone calls with Barclays is false. i specifically talked with the representative about my change of address and the fact that Barclays sent the bill to the wrong address. The fact that XXXX hides this makes me think they are intentionally providing false information to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complaint is to let whoever is concerned know that I am a victim of identity theft. I have been disputing the account listed on this report for a couple of months now. The first time I sent in paperwork was around XX/XX/2019, and all the accounts that resulted from my identity being compromised were removed. However, as of recently, the JPMCB-Card and XXXX XXXX XXXX mortgage listed in my doucuments have began to report on my XXXX and XXXXXXXX  report once again. I noticed this in XXXX and once again I sent in documents to prove that the account does not relate to any transactions I have made. I had no gain of goods or services from these accounts. Yet, they continue to report on my XXXXn and XXXX report.
Product: Credit reporting or other personal consumer reports

This account was charged off the following date of ( XX/XX/XXXX ). Since then the date of last activity has been inconsistently updated. On XXXX the date of last activity is ( XX/XX/XXXX ) and of Transunion its ( XX/XX/XXXX ) but on XXXXits ( XX/XX/XXXX ), with all XXXX credit bureaus being last reported in XXXX of XXXX. If this information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so its deemed INACCURATE. Please delete this account from my report ASAP. 


ACCOUNT NUMBER - XXXX ACCOUNT NAME - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX. They had my GA license at that time. I've dealt with several of their employees namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, they introduced themselves as XXXX XXXX instead of a salesperson. They used visual film and graphs to convince us we're making a good financial investment as they also showed resale history goes up. The said it had some tax benefits similar to owning a second home. They offered gifts such as more points & vacation at XXXX location. We felt pressured to decide right away as they needed to get a " corporate '' approval to grant us the price being offered, and a manager went upstairs to talk ; telling us things like it's our last chance at the lowest price. We felt we're being rushed, they didn't inform us of the fees, they didn't even allow or gave us enough time to read through the contract. We never received an original copy of the contract as well, they provided us the first page only. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. It felt like we were profiled, XXXX - XXXX XXXX XXXX and XXXX- a veteran. We're elderly, it appears we were taken advantage of because of our age. Having this timeshare just gave us hardships than giving us a way to relieve our stress, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people our age. It only caused us financial difficulties, we declared bankruptcy again and lose apartment & car/van. We're both retired but we couldn't make payments on other existing bills. We were in the office for 5 hours going through stuff. They told us deposit would be waived but set up vacation club credit account and showed it as a promo purchase. Asked us to sign forms we couldn't read or get copies of; made us sign forms but they didn't even advise or inform us what they were but simply telling us it's part of the process. They took advantage of our old age to defraud us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

1. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it. 

2. Remove this account for inaccurate reporting because the date of the last payment is missing.

Since you have not reported the date of the last payment it messes up two things. First it shows do not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off.

This means that you were never given the true date of the first delinquency and this is causing me stress being reported XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 3. Remove this account for inaccurate reporting because you have failed to report this account every month.

You have not reported this account since XXXX which is about a year now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me XXXX  Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 4. This charge-off is past the statute of limitations in my state of California for them to legally collect from me. Since they can not legally collect from me, having a past-due balance is inaccurate and illegally reporting since charge-offs can not have a past-due balance XXXX XXXX Account Number : XXXX Remove this inaccurate charge-off. I am pursuing litigation against them as they are reporting inaccurate information. 
5. I am disputing this account for inaccurate information because you are reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while Equifax is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX  XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

I Ask them to verify and send over information regarding their verification. They just sent that the information was verified which I know it was not. It was an automated system that just sent out that they verified this false information.

I have proof from the original creditor with all the original information and none of it matches whats on my credit report. I disputed the accounts stating that these accounts were incorrect and I gave them the option to either update this account on my credit file or remove them per the FCRA.

They chose to verify incorrect information that does not match the original creditor information. I then informed them if you can not verify this information properly you must remove it. You can not just have an automated system shooting out that this information is verified and must stay on your report if you did not do a proper investigation.

This is harming my credit score beyond comprehension and it is stopping me from getting fare rates for housing and transportation. I am a regular consumer and just would like companies to follow the law.
Product: Debt collection

There are fraudulent accounts in my report that are hurting my score so bad. kindly remove them as soon as possible. Thank you 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 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: Student loan

I am writing to bring to your attention a serious issue regarding the mishandling of my student loans by my loan servicer which has resulted in my eligibility for student loan forgiveness being over looked. 
I am very grateful for the programs and initiatives that have been implemented by the Department of Education to provide relief for student loan borrowers. I have began educating myself on the various options available for forgiveness and I believe I meet the criteria for eligibility under the Borrowers Defense program. 
Unfortunately I recently discovered that my loan servicer Navient failed to properly handle my student loans and neglected to consider my eligibility for loan forgiveness despite meeting the criteria. Navient did not provide me with the necessary information, guidance, or assistance needed in pursuing forgiveness options. The mishandling of my loans has caused very significant financial distress and has hindered my ability to achieve financial stability. As a responsible borrower I have fulfilled all obligations required of me. It is very disheartening to realize that my loan servicer 's negligence has resulted in preventing me access to benefits that I am rightfully entitled to. In addition to Navients negligence in assistance with loan forgiveness the servicer has also been extremely negligent in communicating loan terms as well as transfers, this is in addition to the predatory lending practices the servicer has participating in while servicing mine an countless other borrow loans. I am kindly requesting the Department of Education conduct a thorough investigation into this mater and take any and all appropriate action against my loan servicer for their mishandling of my student loans. Additionally, I urge you to please rectify this situation by ensuring that my eligibility for loan forgiveness, as well as any correspondence with my loan servicer that supports my claims. I am more than willing to provide any further information or documentation required to support my case. I trust that the Department of Education will take this matter seriously and address it promptly. I have faith in the system and believe that my concerns will be thoroughly investigated and resolved in a fair and just manner.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME OR I HAVE ANYTHING TO DO WITH THE COMPANIES. 

NOTE : MY PERSONAL INFORMATION WAS COMPROMISED BY XXXX, XXXX, XXXX, AND XXXX XXXX  WHICH I WAS RECENTLY NOTIFIED.
Product: Money transfer, virtual currency, or money service

My full name matching my id XXXX XXXX XXXX, Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX I went to use my Bank of America UI debit card it was declined. I went directly to a branch and they advised me that I needed to call. While on the line for over an hour, I spoke to a BofA agent who took over an hour to assist. Honestly, it did not seem like she knew what she was doing. When I reviewed my statements, there was a Charge to E-Bay for {$2000.00} made on XX/XX/XXXX that was unauthorized. In addition, there were roughly XXXX charges ( well over {$2000.00} ) to XXXX XXXX in XXXX XXXX that I also did not make. These were reported ; however it is well over a week now and I still DO NOT have any credits. In addition, I looked at my balance today and there is a charge made on XX/XX/XXXX to XXXX XXXX for {$21.00} that I also did not make. I just activated my new card today, so how can anyone make charges to the account? Did this come from the prior card number? Bank of America also said they would be sending out letters and I have not received anything. These are the ONLY funds that I have and need and need some assistance ASAP, as I have bills that I need to pay.