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

XX/XX/2021 are you tempted to pay my utility bill whats the balance of {$3900.00} with my personal capital one quicksilver card. The card had a XXXX balance and was paid off and understanding for nearly 20 years. Credit card declined my charge without notification to me via phone or email even though they have all my current information on file, and upon calling them I found out that they put a restriction on my card. They then demanded that I send them a copy of my drivers license front and back, my Social Security card, and a current utility bill proving my home address. Although this request was made over the phone and they said that they would send an email requesting the documents for upload I never received the email in the system that was some sort of scam. 
I have another account with capital one bank that I used to run my XXXX XXXX. The account is also in good standing and is paid off every single month, I do not carry a balance. Without prior warning or any kind of notification in writing or via email, the business account was also restricted. After several phone calls to the United States and non-United States fraud department, I was not able to get my card reinstated and they are impeding my XXXX. They stated that their turnaround time is 7 to 10 business days in order to lift the restriction from my card. I did not have any fraud and I am the one who made the charge. I am not sure why the accounts were linked other than they are both under my name but are completely independent of each other and get paid from separate checking accounts. I demand that these people have a policy that can help resolve fraud transactions in less than seven days, Especially for a business card. Furthermore it is not acceptable that my personal account and my business account were linked despite them being completely separate entities.
Product: Credit card

I had my Credits card account closed and I was still making payments. Now they harass me after countless data breaches to the point of withdrawing out of my account to pay the bill even though they never told me the credit line was closed until months after when I contacted them about my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 with out my written consent.
Product: Mortgage

We have been paying out mortgage payment however out processing center Lakeview Loan CarXXXX Service has not been making out property taxes or insurance payments out of escrow. We have already contacted the company multiple times as well as the XXXX XXXX XXXX and nothing has been done to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is TransUnion knowingly reporting false information? 

TransUnion failed to adhere to the FCRA by reporting the wrong address on my credit report for US Department of Education # XXXX. I mailed a certified letter to the address they have listed on my report and it was " returned to sender ''. 

The data furnisher has not clearly and conspicuously provided an address in which to conduct a dispute of inaccurate information yet TransUnion continues to verify an undeliverable mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent certified letters to XXXX, XXXX and Trans Union specifically requesting my credit file. The dates on these letters were XX/XX/2021 and I mailed them certified XX/XX/2021 at XXXX XXXX at XXXX XXXX. All 3 agencies sent me my credit report instead of my credit file and deceptively told me that my credit report and credit file are the same ( they are not the same ). I spent {$8.00} for each certified letter only for these agencies to send me what I didn't request and not include the return receipt! I want my credit file! Not my credit report. And I want my money back.
Product: Debt collection

This company is reporting debt claiming I owe over {$1500.00}, I have disputed this debt it is not my debt, they are apparently ignoring me. I want proof that I opened this account, and the proof I owe you {$1500.00}. These junk debt buyers buy debts add stuff to it and try and collect all without even verifying the debt is vald. Their commission paid salespeople will do and say anything to collect a debt it is how they make their living. They have no clue or care whether it is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is impossible to enact a credit freeze on the Experian website. Myself, along with four other individuals I have spoken to, have all gone through the online form were denied and asked to mail in the documentation. 

On top of that, there's no easy way to access the freeze form on the Experian website. It's hidden behind the advertisements for XXXX, a paid service that is basically a credit freeze. 

Experian is purposefully making it difficult to get a credit freeze in order to promote their paid XXXX  service.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account and hard inquiry currently listed and showing on my XXXX, XXXX, and Trans Union credit report is fraudulent, not my account and is the result of identity theft : XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$4200.00}, and XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any account with XXXX  store card
Product: Bank account or service

I receive social security & XXXX I recently got a letter in the mail from them saying I will be penalized because I am over my resources with an account from Pnc Bank I am not banking with Pnc Bank I will not be able to support my self because SS/XXXX is going to stop paying me due to this I have not giving anyone permission to open up an account in my name I called customer service but was n't able to get help because I did n't have an account number to give them I recently change my name my previous was XXXX XXXX
Product: Debt collection

I disputed Jefferson Capital System due to identity theft as Ive recently received a copy of my credit report. This was for XXXX XXXX as I only have ever had one account with them and it was paid off on Time and closed properly. Jefferson Capital System closed my collection account however did not delete off my credit report. Termination of collection authority prior to payment of the debt requires, under the instructions in the CRA reporting manual, that the debt collector also delete their reported collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

final notice The information listed below are inaccurate and incomplete. The presence of these information on my credit report is damaging me and defaming my character and must be removed. I respectfully ask that these accounts be and removed from my file and blocked for the final time. 

My name is XXXX XXXX XXXX XXXX and this is the only name i want on my credit report, Kindly delete the following names below XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX My Address is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, Kindly delete the following addresses XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Find attached my Id card and ssn card as proof. 

I have informed you by mail and its passed 30 days, i here by give you 15 more days to delete this inaccurate information off my credit file.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
JPMCB CARD SERVICES XXXX and JPMCB CARD SERVICES XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with you in regards to XXXX. I have filed multiple disputes on two US Dept Of Education Loans reporting to my file that have ruled in my favor now four times.

The account has been closed after the dispute.

What I am disputing is XXXX  's reporting method.

Before the most recent dispute I was at a XXXX on my credit score.

After this company fraudulently reported information to my credit report it changed to XXXX.

After the dispute was approved and found in my favor my score changed to XXXX.

This issue has cost me dozens of points in my score and is not the first time that this has happened.
Product: Money transfer, virtual currency, or money service

A scammer posed as XXXX XXXX XXXX and had me balancing fake finance reports sent me money to send to vendors but this recent check just bounced and I called my bank to report the scam and they offered a wait but that Id have to pay off the fees
Product: Debt collection

On XX/XX/XXXX there were four pending charges from a company called XXXX, who is a payment partner with a company called XXXX. there were three charges in the amounts of {$100.00} and one was for {$5.00}, totaling {$300.00}. The debt collector InDebted has an outstanding balance of {$320.00}, which includes aThe debt collector indebted has an outstanding balance of {$320.00}, which includes a {$20.00} late fee. I immediately called my XXXX XXXX bank regarding my checking account. They did an inquiry and said it was some gambling racket. they declined the charges and reversed the pending charges on my bank account on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from the debt collection agency, InDebted And I am trying to resolve it as quickly as possible.
Product: Debt collection

I XXXX XXXX, also take the laws and statutes extremely seriously. The company known as Portfolio Recovery associates will automatically and obviously exonerate itself from any wrong doing. 
Portfolio Recovery associates is nefariously repeating the same argument that I proposed. That they ( Portfolio Recovery ) provided no adequate address for proper correspondence. According to the Fair Debt Practices Act, the entity pursuing the debt must not only provide their current correct mailing address, but also cease from contacting the Consumer when the Consumer requested the debt collect to cease and desist from contacting them. Do to the fact that Portfolio Recovery Associates does not have an accurate address of correspondence, I could not respond them directly. So when I stated above that I requested that they cease and desist contact, I did through your agency CFPB. Every Consumer has 30 days to repudiate the claims of a Third-party entity, such as Portfolio Recovery Associates utilizing the code 15 USC 1692g . 
This law states that the pursuing debt collector has to " VALIDATE '' ownership of the apparent debt. Which Portfolio Recovery Associates has not done. 
Purchasing a debt from a company does not make you the new owner of the consumers debt if the consumer provides a proper rebutle within 30 days of an initial letter from the debt collector. Portfolio Recovery associates knows this and that is why they are pondering to find loopholes in the law and keep giving you rhetoric.

That is why I have the right to tell Portfolio Recovery associates to cease and desist all forms of communication, including texts. They are a third party entity, and I did not sign any agreement with them. Furthermore I DO NOT WAIVE MY RIGHTS!

I stand boldly with the LAW. The Fair Debt Collections Act and the Fair reporting Act both have to protect me from predatorial debt collects that want to try to go around the law. I Am expecting another nasty text message from them soon. Lately, they have been claiming that I waived my rights and as result, Portfolio Recovery Associates has placed a Judgement on me. That is why I writing you. To prevent them from cheating the system and cheating me of my legal rights and protection!!
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 in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5535 ( a ) ( 1 ) ( A ) - ( B ), and potentially in contravention of recent findings in an administrative proceeding by the Consumer Financial Protection Bureau ( CFPB ). Here is a list of the accounts : Company- XXXX XXXX Date reported : XX/XX/XXXX Date assigned : XX/XX/XXXX Agency : Collections Amount : {$320.00} XXXX XXXX  Date reported : XX/XX/XXXX Date assigned : XX/XX/XXXX Agency : Collections Amount : {$540.00} XXXX XXXX Date reported : XX/XX/XXXX Date assigned : XX/XX/XXXX Agency : Collections Amount Owed : {$540.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 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 : {$0.00}
Product: Credit reporting

I have disputed inaccurate credit inquiries on my credit report with Equifax. Equifax states that they are a statement of fact and can not be deleted. This is a clear violation of the FCRA, as law states the burden of proof rests with the credit reporting agency, not the consumer. I demand the following items be reinvestigated and if no proof exists that they belong to me, i demand they be deleted immediately. 
Equifax Credit report # XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX XXXXL XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Failure of the CRA to respond in a timely and lawful manner will result in immediate litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my address information on my credit reports with XXXX, XXXX, and Experian. I have only one current address that should be on my account and all the other addresses should be taken off. I have filed many disputes even to get my credit reports correctly updated. My student loan accounts on my credit are numerous for one company XXXX. When I should have only one account for my student loans. But its spread out on my credit report. I want that fixed as well. Lastly, I have disputed companies on my credit to verify that the accounts are involved in litigation and once their investigated it still says its correct but its not most of the accounts are involved with litigation and should have been removed from my credit but there still there. These companies or XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and the XXXX company. My current address is on my license.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX my wife received multiple spoof texts and a call from what appeared to be USAA, our bank. Unfortunately, she shared, over the phone, some of her login information. Upon hanging up she realized something seemed off so she immediately called USAA. USAA 's fraud department confirmed this was fraud and helped her change her login information and change the address on our account back to our proper address. Today, XX/XX/XXXX, we noticed massive withdrawals from our checking account. We, once again, immediately called USAA only to find out nothing was changed in their system as promised and that a new card and credit card were sent to the fraudsters. We are still on the phone with them now but are getting the runaround. No one takes accountability over there. 

As a side note, when our son turned XXXX they shut access to his account off with no warning and it took nearly two months to resolve that. 

They are a disaster right now.
Product: Credit card or prepaid card

XX/XX/XXXX contacted TD Bank XXXX card service to have a balance transfer of {$10000.00} to my XXXX XXXX  XXXX XXXX XXXX XXXX. 
JXX/XX/XXXX the {$10000.00} balance transfer posted to my XXXX XXXX as {$10000.00} payment received. 
XX/XX/XXXX my XXXX XXXX XXXX was debited {$10000.00} and it was noted as stop payment. 
I immediately contacted TD Bank XXXX Card service. they claim that they never issued a stop payment on the {$10000.00} check. 
I contacted XXXX bank card services and they claim that TD had stopped payment. 
I spoke to supervisors at TD XXXX card services. they sent me letters and a copy of the check cashed by XXXX Bank card service. 
I wrote several letters to XXXX XXXX both the VP customer service and the office of the president of XXXX service. I included all correspondence and a copy of the {$10000.00} check they had cashed. 
I was contacted by XXXX XXXX from the office if the president of XXXX. ( XXXX ex. XXXX. I spoke to her giving her all the above details she told me she would look it and get back to me. I heard from her with in five days. NO solution she told me what I already knew that TD had put a stop on the check. 
I questioned her as to why on the back of the check was a stamp indicating XXXX XXXX bank was involved. They are our payment processing bank. I asked had she gone to XXXX XXXX no was the answer I received. 
TD bank XXXX card service and XXXX service XXXX XXXX both of these bank credit card services claim it is the fault of the other. 
I now owe TD XXXX {$10000.00} and that amount was never applied to my XXXX XXXX XXXX from XXXX XXXX. 
I paid {$400.00} transfer fee to XXXX XXXX. Where is the {$10000.00}. 


























4
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being I have rights under 15 USC, 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed because A According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1400.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2200.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$8900.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$3900.00} In XXXX standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$5800.00} In good standing XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$3500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$6000.00} In good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Davenmuehle mortgage company inaccurately reported a 90 day late payment on our mortgage. I have called them countless times to have it removed. Now we are trying to qualify for a new home loan, and we cant qualify because this is still on our credit report. The loan number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent XXXX three dispute letters letting them know I was a victim of identity theft and to also remove the bankruptcy that was on my credit report that XXXX and XXXX have already removed from my credit reports. As a result of me being a victim of identity theft, I placed a security freeze on all three of my credit reports and also XXXX so I completely don't know how TransUnion is verifying that this account is accurate and it belongs to me because I also have a copy of the fraudulent identification card that's attached to that bankruptcy address that I never lived at.
Product: Credit card

My account with CAPITAL ONE AUTO FINANCE - XXXX was never late! I have had exceptional payment history with capital one 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 me 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 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. CAPITAL ONE AUTO FINANCE - 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!
Product: Credit card or prepaid card

Jpmcb Card XXXX, DE XXXX ( XXXX ) XXXX I was logged in to my Online Business Checking Account when i thought it was an Pre-Approval Process to get a Chase Business Credit Card Not A Hard Inquiry Which ended up to be a Hard Inquiry