23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX ( XXXX ) Account name : XXXX Account # XXXX XXXX ( XXXX ) Account name : XXXX Account # XXXX ( EQUIFAX ) 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Credit Bureaus keep on saying that the item displayed on my credit report are correct!! The accounts are not a charge off, they were paid off and were not late! I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX,
Product: Credit card

my Apple Card charged me XXXX from XXXX which I never used need my money back
Product: Credit card or prepaid card

I am writing to file a formal complaint against Capital One regarding their lack of support and unwillingness to provide financial hardship assistance for my Capital One Quicksilver Card. I have been facing significant financial difficulties, making it increasingly challenging for me to meet my financial obligations, particularly in paying my bills. I have been a loyal customer of Capital One for over 10 years and have always made my credit card payments on time. However, due to unforeseen circumstances, I have encountered a series of financial setbacks recently that have severely impacted my ability to maintain a stable income and meet my financial obligations. As a result, my monthly income has decreased significantly, making it difficult for me to cover even my basic living expenses, let alone my credit card payments. I frequently contacted Capital One 's customer support team to ask about possible options for financial hardship aid because I was aware of the seriousness of my situation. I was shocked to find the individual I interacted with to be unhelpful and uncaring about my situation. Despite my explanation of my financial problems, they offered no workable alternatives or support to help me get through this difficult time. I requested information regarding potential programs or options available to customers experiencing financial hardship, such as a temporary reduction in interest rates, a payment plan, or an extension on payment due dates. Unfortunately, the representative informed me that no such assistance was available and suggested that I should continue making minimum payments or face the consequences of late fees and possible damage to my credit score. I find this lack of consideration and understanding from Capital One deeply concerning. The company 's refusal to provide any form of financial hardship assistance leaves me feeling abandoned and disregarded as a loyal customer during my time of need. I have always prioritized meeting my financial obligations and maintaining a good credit history, and it is disheartening to be treated with such disregard when I require assistance the most. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Capital One adheres to its responsibilities and obligations as a credit card issuer. I believe that credit card companies should be obligated to work with their customers during periods of financial hardship, providing reasonable options and assistance to help individuals overcome temporary financial difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is making it difficult for me to dispute an inaccuracy on my credit report. They have an unverifiable bankruptcy under my account, and despite my letters where I include a photocopy of my social security card, driver 's license, utility bill, and signature, they still aren't allowing me to dispute this inaccuracy. 

Experian is keeping a bankruptcy on my credit report and claiming that they verified it with XXXX. 

The issue with this is that XXXX deleted this public record from my report due their inability to verify it. 

I checked my credit report on XX/XX/XXXX, and I still see the record on my Experian credit report. 

I have a report from XXXX dated XX/XX/XXXX that doesn't report any public records. I'm not sure if this was a mistake on their end, but I think they need to be held accountable since they're reporting something unverifiable and making it difficult for me to ask for them to verify this public record. 

I'm attaching my social security card, driver 's license, recent utility bill, the letter from XXXX stating they deleted the record, the XXXX public record page on my XXXX report, and the letter from Experian.
Product: Credit card or prepaid card

I purchased 2 items and a membership fee on Amazon.com in 2019 using Chase-Amazon card that was offered as a promotion at the time of purchase. The items totaled {$64.00}. All subsequent purchases on this account were made via another Amazon card ( XXXX-Amazon ). I was unaware that I had two accounts and made consistent full payments on the latter. I received no card, nor any bills, nor any correspondence electronically or by mail from Chase in the intervening time. 

Recently, I received mail from a collection agency XXXX demanding {$310.00} for some outstanding bill. I have no outstanding bills but I understood it to be a dental bill for my daughter where there was some confusion with the Health insurance so I immediately paid what they asked. I then received, for the first time ever, a letter from Chase saying the matter has been resolved. When I contacted them to ask them what this letter referred to they told me it was in relation to the matter stated above. I explained to them that I did not have a Chase Card and never received any prior communications from them. They said the matter had been handed over to XXXX XXXX the collection agency. 

It was only after contacting Amazon that I discovered what happened. My problem here is that I never received any correspondence whatsoever from Chase saying that there was money owed. Surely, the credit card company has an obligation to make an attempt to contact me by phone, email, or letter prior to passing the matter to a collection agency. This all seems very wrong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for the removal of false information that another credit reporting organization had discovered and erased. 3 Credit Bureaus have disregarded FCRA rules and my request for verification because of your silence or a response that I consider frivolous. I need to amend my records and fix mistakes that XXXX credit bureaus made. The objects are listed 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 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

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report.

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citibank advertises on its website that upon checking bank account opening they provide bonus cash offer after certain conditions are met. Back in XX/XX/2023, I opened a checking account online through the citibank website. At the time the offer was XXXX $ bonus rewards upon opening checking account and maintaining XXXX $ balance in the account for 70 days after 20 days of account opening. I have fulfilled all the terms of the account and when I checked back with the citibank representative they confirmed that the conditions are met but still the rewards isn't being issued. They created a ticket for their backoffice to investigate and I am being asked for email communication or letter from the bank confirming the offer. I didn't receive any such communication besides citibank has that offer on their website even today but with changed terms. I have done several follow ups with the bank and each representative gives me different answers. I am tired of their poor customer service and very disappointed in them. I feel cheated by the bank. I need this to be resolved.
Product: Credit card or prepaid card

I opened a XXXXXXXX XXXX XXXX XXXX ( Comenity Capital Bank ) store credit card in 2022 for the first time. I believe that XXXX steered me to a predatory division of their store credit card company because they re-issued the store credit card to me within a month after I received the first one and because of their merciless late fees and fines applied to my now closed store credit card account. Usually credit card companies issue new credit cards AFTER the first credit card expires, but XXXX issued two different store cards to me without reason. They told me that the original credit card was no good and to use the new one._______________________________________________________________ The problems with this company became more evident in XX/XX/XXXX XXXX  after I paid my bill in full within the same month of the due date, XXXX. My first and last bill for {$15.00} was due XXXX was paid XXXX in full. I did not make any new purchases at XXXX or charge any additional items on the store card after making the final payment in XX/XX/2022. I CLOSED the account shortly in XX/XX/2022. Nonetheless, XXXX and its bank continue to send bills to me with compounding interest and fees as if the account is still open. Closed accounts are to be sent to collections, but not in this case. They reported the account to the collection agencies. They did not send the account to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX  of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX Capital One XXXX XXXX Coaf ( Capital One Auto Finance ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.
Product: Payday loan

XXXX XXXX using ace payday loan as their own name to collect funds not owed to them. Ace was not aware of them using their name. I asked consumer financial to stop calling me but they wont.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I have discovered a fraudulent account that is actively being reported on my credit report, this fraudulent account is XXXX XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, also I have discovered fraudulent hard inquiries, the hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, please remove this information from my credit report as soon as possible.
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. I told XXXX, XXXX, and Equifax to reinvestigate this account that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

With each bureau, I disputed inaccuracies with how the account shows on my reports. ( XXXX  XXXX XXXX ) Ive requested for the account to be deleted due to the inaccuracies but each time, it only updates the account. The inaccuracies are as follows : Last payment reports as XX/XX/XXXX when two reports reflect XX/XX/XXXX as the last payment. Account status reflects PAID on a report and In Collections/Charge Off on another. On XXXX, it reflects as Paid in Settlement. The Times XX/XX/XXXX is inaccurate. On one report, it shows XXXX. On another, it shows XXXX. 

No action has been taken to delete the account when inaccuracies are being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX-XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit

h 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you sup
ply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

In XXXX of 2019 I contacted XXXX XXXX from XXXX XXXX XXXX regarding a collection with XXXX XXXX XXXX. I scheduled automatic payments through my checking account every 2 weeks starting XX/XX/2019 until debt was paid in XX/XX/2019 to the total of {$1500.00} XXXX XXXX paid every 2 weeks ). Last month ERC came up on my credit report for the same company XXXX XXXX XXXX for the amount of {$1500.00} this debt has been paid with the original creditor and I have my statements and bank info to show it has been paid. I would like ERC to remove that derogatory collections on my credit report because it is showing up as a new collection when it is not. This is poor practice of collecting a debt that is finalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX offered me a no credit check offer that " would not effect my credit score and no inquiries. As I was neither looking for a card and definitly did not a hard inquiry for any reason I accepts the offer to see if I was pre qualified after I applied I received a hard inquiry. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX to resolve the matter and have the inquiry removed. discover rep acknowledged that the offer I responded to would not have had a hard inquiry and that the application I filled out was the correct one. However refused to remove the inquiry as they stated that despite all the evidence once they run a report they will not remove the inquiry. It has severly damaged my fico score.
Product: Credit card or prepaid card

On XX/XX/2022 I submitted a remittance payment through XXXX XXXX Mail to Capital One for {$330.00}. Per UCC XXXX, if tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Capital One Bank did not honor my instrument. On XX/XX/2022, I received a Letter from Capital One staying my account ending in XXXX was closed. The letter also included that Capital One removed my name and address from Future Capital One Credit Card offers. As a Capital One customer I feel discriminated and devalued. Prior to this encounter, I never missed a payment. It is concerning and alarming how Capital One is allowed to violate Federal Laws against customers. All calls are recorded per Capital One Policy, pull the call, I never requested for my account to be closed.
Product: Debt collection

In XX/XX/XXXX, I saw an entry on my credit report from Ad Astra Recovery for a loan they alleged I took out in XX/XX/XXXX. I sent a request for information proving the debt was indeed mine because I am certain I have never had any business dealings with this company. The first response was a generic response with just my personal information such as date of birth and last four of my social. ( which can be obtained through public records ) See attachment. I then submitted a dispute through the XXXX credit bureaus because according to XXXX what they provided was not proper validation so I requested that the information be removed from my credit file. The debt came back as " verified ''. In XX/XX/XXXX, Ad Astra sent me a settlement offer stating that I can make bi-weekly payments of {$220.00} to settle the debt however I refuse to settle a debt that has not been proven to be mine. See Attachment. I reached out to Ad Astra in XX/XX/XXXX, again requesting proper validation according to FCRA and Texas Finance Code, This time they responded with a " contract ''. I combed through all pages of documents NONE of which had my signature agreeing to the terms of this alleged contract with the original company nor did it include any documentation agreeing to a contract of terms of payment in which I have defaulted with Ad Astra. I believe this company is trying to take advantage of me as a consumer as if I do not know my rights. They have ignored my multiple request to validate this debt according to federal and Texas state law. So far what I have received in generic documentation that can not be used to conclude I indeed owe this debt. Again I do not have a contract with Ad Astra and the documentation showing a contract with the original company does not include my signature. It is obviously a typed fill in the blank contract. I want this removed from all XXXX bureaus immediately and all collection attempts ceased.
Product: Credit reporting or other personal consumer reports

I am a XXXXm 's Club Member who applied for a XXXXXX/XX/XXXX that said XXXX and XXXX number only with No Guarantor. The system asked me for my Date of birth to verify I was not a computer and I did not give my social security number. I recieved a notice from XXXX XXXX andXX/XX/XXXXthat I had a hard inquiry on my credit report from XXXXXX/XX/XXXX. I did not give them permission to pull my personal credit and the Denial letter that I have attached does not have my name on it, the name is my XXXX name.
Product: Checking or savings account

Wells Fargo closed 4 of my accounts. 1 personal and 3 XXXX. They closed accounts based on a false wire recall. I have been with the bank for 26 years. I had a bomafide contract with the individual that requested the recall. Well Fargo refused to listen to me or provide any details.