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

Dear CFPB, I spoke with XXXX at Capital One ( Employee ID # XXXX ) on XX/XX/XXXX who was unable to resolve my issue. 

I am writing in response to my credit card accounts that were closed in XXXX. Before my accounts were closed, a Capital One representative promised that I would be able to redeem my rewards at any time and that I had nothing to worry about. However, when I called in the redeem the rewards, I was not allowed to do so. I attempted to redeem my rewards online and that failed too. 

I had {$4700.00} unredeemed rewards cash on my CapitalOne Quicksilver Card ( Credit Card Number : XXXX XXXX XXXX XXXX ) against a balance due of {$3500.00}. 

I had {$2700.00} unredeemed rewards cash on my CapitalOne Quicksilver Card ( Credit Card Number : XXXX XXXX XXXX XXXX ) against a balance due of {$1300.00}. 

Because I was unable to redeem my rewards to pay my balance due, CapitalOne pushed my accounts into over due status. CapitalOne charged me interest on both of my accounts amounting to hundreds of dollars for late payment. 

I was charged {$290.00} in interest on my card ending in XXXX. 
I was charged {$140.00} in interest on my card ending in XXXX. 

In short, CapitalOne broke its promise to me as a customer. Capital One seized my no-hassle rewards. This pushed my card balances into late payment status. And Capital charged me interest that it had no right to charge me. 

I had no choice but to pay the balance and the unearned interest, because CapitalOne threatened to report me to the credit agency. 

As a XXXX XXXX XXXX and a XXXX  without easy access to credit, I feel I have been taken advantage of. CapitalOne is a bank run by a privileged XXXX  male, who took advantage of me and abused his power to turn a profit and broke its promise to me as a customer. 

I would like CapitalOne to honor its promise to me and send me the rewards cash in the amount of {$7500.00} plus refund me the {$430.00} interest that CapitalOne charged me that CapitalOne were not entitled to. 

I have attached screenshots of the final account balance and rewards cash of each account. I have also attached statements showing the monthly interest charged to me to which Capital One was not entitled.
Product: Credit reporting or other personal consumer reports

CFPB and FCRA please see attached files. proof of how Equifax not doing proper investigations. from dispute to finish dispute in 1 day and same day comes back investigated i have disputed numerous times XXXX XXXX XXXX XXXX XXXX. also, charge offs that have filed the 1099c but still reporting balance and negative information that was forgiven. 

Dear XXXX Equifax, Due to the recent lawsuit filed against Equifax on XX/XX/year>. I insist you conduct an investigation as you are required by the FCRA Law. 

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide to me in exact detail via mail and not through your online portal. Your online portal is garbage. 

Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. 

Dont play with me and make me CRASHOUT on your HOEASS and sue you locally because XXXX ready to be thrown hands fam. 

XXXX XXXX XXXX
Product: Debt collection

PROCOLLECT , INC XXXX This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
Product: Debt collection

The contract was closed i do not have the truck contract was closed its affecting my credit score and i already caller the innovate loan told me to open a Dispute with XXXX and i need help i had good credit and its lowering it please help! i have proof of the first refund of the payment because contract was closed It was the dealer fault.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to the provisions of 15 USC XXXX ( a ) and FCRA XXXX ( b ). I am a victim of identity theft as a result of a data breach, and I have identified several fraudulent items on my credit file that I did not authorize. 
The details of the fraudulent accounts are as follows : XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$250.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$14.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$120.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$180.00} XXXX. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$600.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$15.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$560.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$410.00} The details of the fraudulent inquiries are as follows : XXXX. Creditor Name : XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX  XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX : XXXX o Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage. I received a credit report on XX/XX/22 with an adverse item on it - a {$1600.00} XXXX defaulted balance. I have NEVER used XXXX for any reason. The item was reported by AFNI Collection Agency. Phone XXXX. They told me it was an XXXX cell account number with an address in NJ. I told them I have never lived in NJ, and did not have such an account. AFNI said they would send me a fraud reporting kit and if I returned it within 10 days, they would clear the report to the credit bureaus. I never received this fraud kit. I called several times, was told about 10 days later that they mailed the kit to the FRAUDULENT address. I told them I had already provided my correct address, and did so again. They said they were mailing a replacement. It is now 3 weeks later. I've received nothing. 

I then contacted XXXX Customer Service fraud reporting phone number directly. They have a recording saying they are too busy to speak to anyone, but to report online. I did. I received an email saying I would get a response in 5 days. I have received NOTHING. I have called XXXX repeatedly, asked to speak to a supervisor, the legal department, etc... It is impossible to get a response. I get forwarded to the same recorded message.
Product: Debt collection

I had hired an attorney who missed represent me and released my credit card information to the public. They also sent my information to an Illinois collector company with the wrong amount on there asking for more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Consumer Report and noticed that the companies listed I did NOT authorize anyone employed by these companies to make any inquiry and view my Credit Report. In addition I did not give Equifax permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serous breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.
Product: Vehicle loan or lease

Subject : Concerns Regarding Forged Signatures and Improper Vehicle Repossession. 
In Violation Of : 15 U.S. Code 6802, 15 U.S. Code 1692f, 15 U.S. Code 1605, 15 U.S. Code 6821 I hope this message finds you well. I am writing to address a serious matter involving my recent dealings with Wells Fargo and the dealership. I believe it is crucial to bring to your attention the issues I have encountered throughout this process. 

In XXXX, I made a formal request to Wells Fargo to provide me with all correspondence they received from the dealership. Subsequently, upon receiving the contract, I discovered that several of my signatures had been forged on various documents, including the Gap waiver form and the contract itself. This discovery was deeply troubling and raised serious concerns about the integrity of the transaction. 

Immediately after notifying Wells Fargo about the fraudulent signatures on the contract, I experienced a concerning response from their representatives. Instead of addressing the matter transparently and rectifying the situation, it appeared that they attempted to conceal the associated paperwork. Moreover, despite being informed of the forgery, Wells Fargo denied any involvement in any wrongdoing and has displayed a lack of initiative in resolving this issue. 

Furthermore, it is imperative to highlight that due to the forged signatures on the contract, Wells Fargo did not have a legitimate security interest in the vehicle in question. Despite this fact, the financial institution proceeded to illegally repossess my car, causing me considerable distress and inconvenience. 

Regrettably, I felt compelled to make payments under duress, as Wells Fargo remained unresponsive to my plea for resolution and continued to withhold any remedial action. This situation has left me feeling unfairly treated and burdened by the financial implications of their actions. 

As a valued customer, I had expected a higher standard of ethics and accountability from Wells Fargo. However, the manner in which this matter has been handled thus far has left me deeply disappointed and concerned about the bank 's commitment to addressing such issues responsibly. 

In light of the gravity of these circumstances, I kindly request a thorough investigation into the matter. I implore Wells Fargo to take immediate action to rectify the forged signatures, address the illegitimate vehicle repossession, and ensure that a proper resolution is reached in a timely and satisfactory manner. 

I appreciate your prompt attention to this matter and expect to receive a response from the appropriate department at Wells Fargo as soon as possible. If necessary, I am willing to provide any additional information or documentation to support the investigation. 

Thank you for your understanding and assistance in resolving this distressing situation. I look forward to a prompt resolution that upholds the principles of honesty and fairness that I believe Wells Fargo should embody. 

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

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I checked my Experian consumer report and noticed several incorrect addresses and names listed on my report. 
I sent a letter to Experian in XX/XX/year> explaining that the personal information was incorrect, and I attached 2 proofs of ID along with the letter so that Experian could verify my identity and have proof of my actual correct address.They returned with only having updated SOME of my personal information but not all. So, on XX/XX/year>, I sent Experian another letter reconfirming my correct information along with proof of address and ID, demanding that they remove ALL inaccurate addresses and names from my consumer report. But once again, they have failed to remove the incorrect information, violating my consumer rights and federal law 15 USC 1681s-2.The letters were delivered certified mail and were signed for by Experian representative, XXXX XXXX- on XX/XX/year> and XX/XX/year>. 
USPS TRACKING NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been patiently waiting for Experian to correct this information, and for the last 2 years, my life and that of my children has been extremely negatively impacted by Experians gross negligence regarding reporting accurate information on my consumer report. We have been unable to qualify for an auto loan, home loan, or favorable credit terms due to incorrect information linked to incorrect addresses and names that are not mine showing up on my consumer report. It has cost us thousands of dollars in high interest rates, as well as loss of income due to being denied jobs for derogatory information that is incorrect on my consumer report. Experian is in clear violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; Additionally, Experian has made it impossible for a consumer to reach an actual human agent to discuss this violation of the law. I have tried calling over twenty-five ( 25 ) times and using different menu options, but not one time have I been able to reach an actual person. Experian is hiding behind an AI system that continuously states I am unable to transfer you to a specialist, so that they can break federal law without any backlash from the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and medical fraud. XXXX  and Equifax ( who exposed my personal information in the data breach ) have left collection accounts on my reports that I have submitted to the police and submitted subsequent reports to both bureaus. They know I am an identity theft victim, yet continue to post the derogatory information from " XXXX XXXX " who also has been reported to the FTC for their actions. The fraudulent information remains on both reports, and I can get no resolution. XXXX  gave me no issues about this, did the right thing, and promptly removed the fraudulent information.
Product: Checking or savings account

I had {$18.00} in my checking account when I received a refund of {$15.00} From XXXX. That brought my balance to {$34.00}. I purchased XXXXwo separate items, One for {$21.00}, and another for {$5.00}. Those two purchases would have brought my balance to {$7.00}. Next morning I check my account and saw that my balance was a negative {$8.00}. From my bank statement it looks like i got charged the {$15.00} again. I called them and ask them to fix the problem, but they did not help at all.
Product: Credit card or prepaid card

This is NOT a duplicate complaint. I am STILL sending the company messages and NO ONE is STILL responding to me. As late as LAST week. So no, this is not closed as they are STILL IGNORING me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied at XXXX XXXX  today XX/XX/20 and when they ran my credit I was told that I did not qualify to rent without a co-signer because there were accounts in negative standing on my credit history. I was confused to hear this because I don't have any accounts with negative payment history or at least that's what I thought because when I checked my credit report I saw two accounts that I never opened. The accounts are from these companies " XXXX  XXXX '' & " XXXX XXXX XXXX ''. I never opened any account with these companies nor do I have any written/verbal contract with them and I did not give anyone else permission to open any account with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not take part in any payments that might have been made towards these accounts. I have filed this report to the best of my knowledge.
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 XXXX. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( 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. XXXX ( 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

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

I have reached out to this company multiple times asking to prove that I owe this debt to their company. I haven't received any responses.
Product: Mortgage

they have doubled my payment and have given me no way to keep home unless i accept double payments instead of moving owed money to rear of loan and keeping % where it is and allow me to keep home..
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023
Product: Mortgage

I am in foreclosure with HSBC Beneficial. In XXXX, the Office of the Comptroller of the Currency ( OCC ) sued HSBC for failing to meet the requirements of the Independent Foreclosure Review. I filed a complaint with the OCC and they advised me to file a complaint with CFPB. I would like to know what HSBC agreed to do for their mortgagees like myself who were placed in foreclosure with out the proper steps taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 USC 6802. I hereby inform you that I am opting out of any and all authorizations, whether they were given to you in written, unwritten, verbal, or non-verbal form. 

As a consumer, it is my right to control the disclosure of my personal and financial information. I understand that the FCRA grants me the ability to limit access to my credit information, and I am now exercising that right. By opting out, I am requesting that you cease the collection, sharing, and reporting of my personal and credit information to any third parties, including but not limited to creditors, lenders, and other credit reporting agencies. 

Please ensure that my name and all associated personal information are removed from your databases and any future credit reports. This includes but is not limited to my social security number, date of birth, current and previous addresses, employment history, and account information. 

I kindly request that you confirm in writing within 30 days of receiving this letter that my opt-out request has been processed and that my information will no longer be shared or reported. Furthermore, I expect that you will comply with the FCRA regulations by not providing my information to any unauthorized parties in the future. 

Please consider this communication as a formal notice of my decision to exercise my rights under the FCRA. Failure to comply with this request may result in legal action taken against your agency for violations of my rights as a consumer. 

Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost professionalism and ensure that my rights under the FCRA are fully respected. 

Sincerely,
Product: Checking or savings account

1. Bank of America would not release my CD to me. It matured XXXX. They told me it was because it was being held to secure the business credit card.

2. Bank of America promise they would use the CD to pay off the account, close the card account, and mail me a check.

3. Bank of America then : renewed my CD without my approval, did NOT pay any amount towards the credit card account, and have not sent me the balance.

4. Bank of America now sends me a letter telling me that they will continue to renew the CD until the credit card account is paid off.

In short, Bank of America is holding my {$1000.00} CD monies ( that already matured, and I should have authority to demand redemption of ) paying .03 % interest, while charging me 26 % interest on a {$810.00} balance that I could more than pay off with the CD proceeds.

THIS SHOULD BE ILLEGAL!