23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whom This May Concern : On XX/XX/XXXX I contacted their cardholder services customer helpline and informed them that I recently moved from my previous address at XXXX XXXX XXXX, XXXX, OH XXXX to XXXX XXXX XXXX XXXX XXXX OH XXXX. I assumed that I would have received my card before my official move, but it seems it has been lost in the mail. 
Their customer service representative informed me in order to have my account active, that I needed to provide proof of residency change. In my initial email sent on XX/XX/XXXX I included my internet bill from XXXX and Lease agreement to XXXX. 

The following day, XX/XX/XXXX I called confirming receipt of the documents that had been sent and was informed it takes up to 72 hours to receive the information and change it in their system, and I would receive an email confirmation once it was completed. Which I never received. 

I called again on XX/XX/XXXX and talked with someone in the back office about the documentation I sent and the lady informed me that a new card had been sent on the XXXX and everything had been received and updated. 

However, today, XX/XX/XXXX, I tried using my card to make a purchase on XXXX and then at XXXX 's and it was denied. When I called the customer service line and spoke to the supervisor, XXXX, they informed me that the XXXX was an incorrect email address and then when I sent it to the new email given to me by the supervisor XXXX, I was informed that the actual email is XXXX, it was blocked. I again tried two more times to email the new email address, but was unable to as it stated it is blocked. I am now trying to send the same email from my work email address and have ccd my personal email, XXXX to confirm it is the same person emailing. And again, the email was undeliverable to the new email address provided and it has been 2 weeks for my information to be updated, which is ridiculous. 

This is beyond frustrating as I have confirmed my address and identity in more ways than one and the address change should not take nearly two weeks to process. I am requesting this issue be resolved today immediately as it seems they have taken very vital information and have seemingly stolen it with zero update or communication. Should you have any questions or concerns, please do not hesitate to contact me either by phone or email. Thank you.
Product: Checking or savings account

I am filing a complaint against Capitol One regarding a debit card dispute for a purchase I made on XX/XX/scrub> 2024. I paid for an item but never received it, and my efforts to resolve this matter have been painful and unsuccessful. Capitol One has failed to resolve the dispute within a reasonable time frame and I have reason to believe they are unfairly delaying my case. Under Regulation E ( Electronic Fund Transfer Act ), which applies to debit card transactions, I have found that they have violated the terms of this Act. 

Here are the key details of my case : Transaction Date : XX/XX/scrub> 2024 Dispute Filed : XX/XX/scrub> 2024 Merchant : XXXX XXXX Amount Paid : {$220.00} Item Description : XXXX  Nature of Dispute : Goods never received Attempts to Resolve : I have contacted Capitol One multiple times via email, phone, and chat, yet they have failed to provide any resolution. I have also contacted the merchant directly over five times, but they have not responded. I have submitted evidence to Capitol One numerous times and have never had them respond to me/communicate other than " We have received your claim ''. 

Despite my efforts, Capitol One has classified my case as " non-regulated '', which is incorrect. Under Regulation E, debit card disputes, including those involving goods not received, must be resolved within 90 days or a provisional credit must be issued during the investigation. Capitol One has not issued a provisional credit and has not resolved the case within the required time frame. 

I request that Capitol One immediately : Issue a provisional credit for the amount of the disputed transaction. 
Complete the investigation and refund the amount of the transaction within the required timeframe. 
Confirm, in writing, that they have acknowledged their violation of Regulation E and will handle the dispute according to the regulations. 
I have been extremely patient, and Capitol Ones repeated delays and failure to properly classify this dispute are unacceptable. 

Please investigate this matter and assist in ensuring that I receive a refund as required by law. If further information is needed, I am happy to provide it. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My interest for XXXX was XXXX I was still on a hardship program and I was taken off in XXXX. After that my next bill for may was XXXX dollars minimum payment with the interest still the same when I was taken off the hardship. Now I know interest rates went up but tell me why for XXXX my interest is XXXX Why would it jump that high that doesnt even make any kind of sense. Now they tell me after the hardship program that they put interest from that then put XXXX dollars for something else honestly it does not make sense and confusing. To me it just looks like Im being cheated. Ive spoke to them so many times and they give me the same XXXX answers Ive went to news stations lawyers and still nothing works. I go to capital one they dont help you at all they just never answer you back or they have another excuse. XXXX so sick of them I hope they all go to XXXX because theyre sure making my life a living XXXX try to anyway. This time if they get someone to supposedly help me dont waste my time actually help me or dont even bother contacting me! I want answers I want direct answers! I want transparency about this bill. I dont want to hear any more lies!!!!!! oooh and another thing they stated I was late with the payments thats a lie I was on the hardship program how can you say I was late and Im on a plan?
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

The XXXX XXXX ( Equifax ) Acc # XXXX was deleted from XXXX and Transunion I reported this to Equifax, and nothing has been done/deleted XXXX XXXX XXXX Transunion ) Acc # XXXX was deleted from XXXX and Equifax I reported this to Transunion, and nothing has been done/deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on XX/XX/2022 for XXXX XXXX account-XXXX  because the reporting agency did not have my consent to furnish this account on my report. I got the results on this report via their website on XX/XX/2022 the dispute results states that Experians reinvestigation of the dispute I recently submitted is now complete. The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. this is several violations because one the term " investigative consumer report '' according to 15 usc 1681a ( e ) means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. so if this information was " certified accurate '' or specific factual information it should not be on my consumer report. Also I called Experian to find out more about the investigation and I was told that Experian does NOT have any documents from the " creditor '' verifying this account including my consent to furnish this account on my consumer report. I was also told by Experian over the phone that this item could not be deleted only disputed again and that they did NOT need my consent. They also claimed they did NOT have to do an investigation under the FCRA. I was also hung up on several times after being yelled at.
Product: Debt collection

Technically the debt in question is because of a Doctor visit I had in XXXX. What the problem is, is I am on XXXX and I submitted both my XXXX  and XXXX  cards to both the doctors office and the debt collection company over two years ago. I contacted XXXX and they said if any claims were submitted they paid them. They also said they have NOT received any claims for this particular bill. When I sent the copies of the cards to the debt collection company 2 years ago. They sent back the paperwork from my Doctors office detailing the services I received from their office. Which I thought was against Hippa! Well it is now 5 years pass the date of delinquency for Oklahoma Statute of Limitations and neither the debt collector or the Doctors office ever filed a claim and now Equifax is refusing to remove the account off my credit. So I have done my part in all this and now have resorted in contacting this office. Also on my Equifax consumer notes I wrote on there 2 years ago about sending the debt collectors my insurance and it is still on there.
Product: Credit card or prepaid card

On XX/XX/22 I attempted to manage my Klarna card via their mobile app. The application returned an error stating that my identity couldnt be verified. I did not agree to any additional credit checks so I am unsure what the verification is for. I was simply attempting to manage the account to prepare for an address change. I contacted Klarna using the number printed on the back of the card, XXXX, and was connected to a representative who sounded like they werent sure what I was talking about. After a silent hold, they came back and said they couldnt support me and that they would forward my request elsewhere.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX  : I have no knowledge of this account. This account does not belong to me.
Product: Debt collection

I lived in the XXXX XXXX XXXX in XXXX Connecticut for a year paid {$700.00} for a security deposit that I did not receive and I saw a report to the credit bureaus that I owe them {$3000.00}. I disputed it with XXXX and XXXX XXXX they deleted it from my account XXXX Still have it when I give them notice that I was leaving. They told me that I had to give them 60 days paid notice I said yes Im living there for 60 days. Of course Im gon na be paying you and I did when I disputed with XXXX they send a letter saying that amount was attached to me because of damages to the apartment, I was oddly ever at the apartment because I worked so much doing car service. I was hardly home I left the apartment, cleaned it from top to bottom even the blinds took pictures and videos and literally got rid of those pictures and videos from out my phone because my XXXX was full, so the statement that they say was damages to the apartment is false I believe is someway for them to try to collect. Im not really sure maybe the 60 days paid notice was them actually wanted extra money for me to give them notice I never heard of that before makes no sense to me.
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 # XXXX, Account name : XXXX XXXX XXXX  XXXX : XXXX, Account name : XXXX # : XXXX, Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX Account name : DEPT OF ED/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 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 or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to AMEND or RESOLVE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been repeatedly emailed by American First Finance. I have reached out to them repeatedly to give information about the debt they are trying to collect and they have ignored all requests for information. When I call they hang up on me, or do not answer at all, they seem to filter my call. I have written them asking them to provide any and all information about the debt and to cease contacting me. It has made no difference they continue to email, call and harass me. They refuse to give information about the debt or to work in any way to find a solution or answer to what is actually going on.
Product: Credit reporting or other personal consumer reports

After a careful examination of my credit report, I have identified a significant discrepancy regarding the reporting of an account. Despite having made timely payments, my report erroneously reflects two late payments. It is crucial for consumer reporting agencies to maintain the highest level of accuracy in their reporting. I assure you that there have been no late payments on this account. For your reference and further investigation, I have attached a copy of my report highlighting the concerned period, specifically XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX. Also, the No Data reported on XX/XX/XXXX. I respectfully request a thorough investigation into this matter and ask for concrete evidence if any late payments are claimed. Should these late payments not be substantiated, I urge an immediate correction to reflect the payments as made on time. Your understanding and XXXX XXXX of this issue would be greatly appreciated. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$89.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Account Number : XXXXXXXXXXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX  {$540.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$110.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$110.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$540.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has persistently refused to provide an accounting of this item, the correct balance, and insurance billing statements that show payments. It is clear they have little or no information and can not reconcile the correct amount owed, if anything. 

This is a medical debt. Repeated efforts through Experian, XXXX and XXXX to verify and update this account on my credit file have gone nowhere and they close the dispute without properly investigating it. I know this because each time, XXXX sends me a letter asking for any information I have about the account. This would have to come from the original creditor, the XXXX XXXX XXXX XXXX XXXX XXXX. 

If XXXX XXXX are reporting to the credit bureaus it is incumbent upon them to have all the facts. They do not, and they continue reporting unverified/unsubstantiated information about me and are simply running out the clock in an attempt to force a recovery of some amount on an old and poorly documented record.
Product: Credit card

I am writing to formally file a complaint regarding inaccurate information on my credit report. The report incorrectly lists information about a credit card account that is not accurate. 

Details of the Incorrect Information : Credit Bureau Reporting Error : XXXX, XXXX, or XXXX Incorrect Account Information : The balance shows {$1000.00} ( I asked for proof of this ) Correct Information : The balance was {$500.00} I have already attempted to resolve this matter with both the credit bureau ( s ) and the creditor, but the issue remains unresolved. I request CFPB 's assistance in investigating this matter and ensuring the error is corrected as soon as possible. 

I appreciate your prompt attention to this matter. Please let me know if additional information is needed.
Product: Checking or savings account

my complaint is against Capital one, in XXXX  I had a small cell phone business and an account to manage it with capital one several years earlier, but there was a time when the business income dropped drastically, and there were some payments that I could not complete, but Capital one instead of rejecting a single transaction which had no fund, left all the transactions that I was doing in process and then charged overdrafts for each of the transactions and that is how they came to charge me 5 or 7 overdrafts per day and In the course of less than a year they charged me {$7500.00} in overdraft, that contributed greatly to ending my small business and my health, my complaint is because I think that something like this must have a limit so as not to suffocate people.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempts to correct inaccuracies regarding late open accounts on my credit report. Despite my repeated disputes and submission of all necessary documentation, these inaccuracies remain unresolved. I request that you take immediate action to investigate and correct these inaccuracies on my credit report. If this issue is not resolved promptly, I will have no choice but to seek assistance from you and pursue further legal action if necessary. Please confirm receipt of this letter and provide a response within 15 days. Kindly help me correct the accounts : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$100000.00}.
Product: Payday loan, title loan, or personal loan

Went into branch and asked for payoff on X/XX/17 received payoff of XXXX. Paid off account at that time in person at branch. Branch had me sign a piece of paper with intention to close and payoff and sign- they faxed them to corporate headquarters. Checked status of account a week later and a balance was still showing. Called customer service and they basically said that 's the balance. They stated we never received letter of intent to close. I went into branch again and business banker stated the remaining balance was the banks fault and said he would waive it and ensure account was closed and paid off. Still nothing. Have called customer service 4 more times they say it 's not closed nothing they will do. Been back in branch and they say oh a few more days. Nothing. I want this account closed - I paid it off, I sent letter -- they are keeping it open. Giving me run around. Not good customer service. Bad policy. I have done everything correctly- got payoff, paid amount, sent letter .... they are giving me the run around, not helping.