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

I have a MasterCard through Capital One that was subjected to fraudulent activity when Capital One issued a virtual " Fast Card '' to a man in XXXX, FL, on XX/XX/XXXX. I was alerted ( via my email address ) to this new account they issued, along with changes to my address, phone number & email address ( which were all done over the phone ). I immediately called Capital One 's fraud department & told them about these fraudulent activities and sent them copies of my NC state issued driver 's license & social security card. I was issued a case # XXXX. All changes to the account settings were reversed & I was told any fraudulent charges would be reversed. They also cancelled my credit card ( along with my son 's card that is attached to my account ). They told me they would send me a new card in the mail. At this time, they also issued the criminal in Florida a new card as well - I discovered this while checking in to see if my account had been straightened out. So more fraudulent activity started taking place, more promises of resolution. I withheld one of  my payments during time after hearing they allowed this criminal to open a Visa account in my name ( I was told it was immediately closed by the fraud department but I have no way of knowing because it was a new account that I have no access to, not a hacked version - I have no Visa accounts ). After the bulk of the fraudulent activities were cleared up, I resumed my payments, making a double payment to make up for the one I missed. This entire process to date started on XX/XX/XXXX &  continued through XX/XX/XXXX. I contacted Capital One this month ( XX/XX/XXXX ) twice to resolve some remaining issues, but was first told by customer service that someone from fraud would call me back & the second time was bounced back & forth from fraud to customer service for 35 minutes only to be told no one knew how to resolve any of my problems. My issues : 1. My interest charges are still divided between Purchases ( mine ) & Cash Advances ( fraud ). 2. My interest rate went from 23.99 % to 24.24 % during the time of this fraud case. 3. I was given a {$25.00} late charge during the 2nd month of the case for withholding payment until Capital One started resolving the fraud. 4. The extra {$16.00} I was charged so Capital One could issue a " Fast Card '' to the criminal was never refunded.
Product: Consumer Loan

On XXXX XX/XX/2008, I entered an agreement with BMW Financial to lease a BMW XXXX series for a term of 3 years. My payments were roughly $ XXXX/month with a down payment of {$2500.00}. In XXXX of XX/XX/XXXX, I was laid off from my employer, and realized that the monthly payments were too high and decided to return the lease. I had XXXX potential sellers for the car in which BMW was unwilling to handle the sale of the car. I returned the lease to BMW in which the car was sold at the auction for {$24000.00} with a deficiency balance of {$8500.00}. To this day, I still do n't understand the point of BMW declining the sale of the lease car in which I provided potential sellers and selling the vehicle at the auction. It 's a win win situation for BMW, because they were able to capitalize off a consumer like me. Now that I am trying to buy my XXXX home, I have a derogatory account from BMW. The car was n't over mileage nor in any comestic damage when it was returned. BMW made it 's profit with the monthly payments and was able to sale the car without ease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the following companies and I have not yet to receive any type of response. Im requesting to get these items removed because I did authorize these companies to pull my credit. Its going on 60 days since I write these companies. I requesting that these inquiries be deleted from my credit file/ all credit report/ credit ( Transunion, XXXX and XXXX ). Here  are the following companies : XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX on XX/XX/XXXX XXXX/XXXX-XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XXXX ; XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX   XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX / XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what else to do, I have disputed these with the credit agencies and the collection companies. The information below is inaccurate, false and unverifiable and needs to be removed off of my credit file. Please help XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : $ XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$330.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$870.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$450.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX - Duplication and unverifiableremove Balance : XXXX XXXX XXXX XXXX - Unknown and unverifiableI tried to verify and get no response Balance : XXXX XXXX XXXX XXXX - XXXX - says I owe {$220.00} but past due XXXX inaccurate and false and unverifiablebecause I have tried and got nowhereREMOVE Balance : {$220.00}
Product: Student loan

In XXXX, I completed a consolidation for my student loans. In XXXX, the Public Service Liam Forgiveness program began. A borrower who worked in a qualifying public service job was required to have consolidated loans and make 120 payments on a qualified repayment program. I had all that! As I neared the end of what I thought were my 120 payments, I contacted my lender to inquire about how to proceed. At that time, I find out my consolidated loans arent in the right program. I had consolidated my loans as FFEL, and that didnt count. I spent 7 years paying that didnt count. I had to go through another consultation in a Direct loan program and start 120 payments all over again. 
As I do more research, I see that there are many, many people in my same situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a 609 validation letter to XXXX  on XX/XX/2021 I also submitted a validation letter to XXXX  and Equifax on XX/XX/2021 I haven't had a response within the 30 days required for an investigation I've also sent non-response letters to all 3 bureaus I've also included documents which I sent the three bureaus thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$890.00}
Product: Student loan

I put my defaulted loans in rehab through XXXX XXXX and made my 9 on time monthly payments. Navient, now XXXX, says they don't know what happened and that my loans were never rehabbed. Now I'm getting letters that my taxes will be offset because my loans are still in default. Years ago, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was advised to forbear my loans because I couldn't afford the XXXX a month payment. My loans were only for {$25000.00} at that time. I've reached out to Navient and XXXX XXXX to resolve this and they keep telling me to just keep making my monthly payment and eventually the loans will be picked up by a lender. I don't know what to do.
Product: Student loan

On XXXX I submitted my payment for student loans, which was {$270.00}, to Ed Financial. I received a confirmation email, and my funds were pulled from my bank account at XXXX XXXX XXXX XXXX. It was transacted XX/XX/XXXX. Today on XX/XX/XXXX, I received my statement from EdFinancial, stating that I owe {$550.00} on XXXX. Claiming I paid late, and will charge me {$270.00} for a past due amount. This will be compounded to {$280.00} for a total of {$550.00} on XXXX. That's an additional 94 % of my payment, nearly doubling my next payment for something I paid on time. I paid my loan on the date due, and it was transacted the following day, and I am being charged a % XXXX increase on my next payment. I have the emails saved. My account on EdFinancial does not even have my payment in their system. Having checked today, my recent payment on file is from last month, though my bank account shows proof that I paid my loans on the due date XXXX. It is still not in the system, though I was paid and charged for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FURIOUS WITH THE EQUIFAX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX! I HAVE BEEN TRYING TO RESOLVE MY ID THEFTI SSUE FOR THE PAST FEW MONTHS AND THEY ARE REFUSING TO HELP ME. I HAVE TRIED REACHING SEVERAL DIFFERENT DEPARTMENTS DIFFERENT SUPERVISORS AND MANAGERS, NO ONE KNOWS WHAT THEY ARE DOING, NO ONE IS HELPING OR GIVING ME ANY RESOLUTION. THEY REFUSE TO GIVE ME VIABLE EVIDENCE PURSUANT TO SECTION XXXX XXXX IN THE FAIR CREDIT REPORT ACT. I AM TIRED OF GOING BACK AND FORTH AND NOT GETTING ANY RESOLUTION. TELLING ME ADDRESS NAME SOCIAL AND BIRTHDAY MATCHES IS NOT VIABLE EVIDENCE, OBVIOUSLY IT MATCHES THATS WHY I AM A VICTIM OF IDENTITY THEFT. THEY HAVE NO SIGNATURES FROM ME GIVING APPROVAL OF THE OPENING OF THESE ACCOUNTS. I NEED YOUR HELP CFPB IN HELPING ME RESOLVE THIS ISSUE, I AM SICK AND TIRED OF DEALING WITH THESE COMPANIES WHO ARE ROBBING ME FROM MY PEACE. ITS BEEN TOOOO MANY MONTHS ALREADY. OH AND I WILL ALSO ADD THAT EQUIFAX REFUSES TO BLOCK ANY INFORMATION THAT IS REPORTED AS FRAUD PER WHAT THEIR SUPERVISOR SAID, SHE SAID THAT WE DO NOT FOLLOW FEDERAL LAW, WE HAVE OUR OWN RULES AND PROCEDURES, WE WILL INVESTIGATE FOR 30 DAYS. THEY DO NOT COMPLY TO THE RULES OF SECTION XXXX IN THE FCRA. AND SHE CLEARLY STATED EQUIFAX DOES NOT COMPLY WITH FEDERAL LAW, THEY FOLLOW THEIR OWN RULES AND REGULATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Comenity Banks system outage that has been going on for the last month. I, along with millions of other users, have been trying to make our payments. They claim to have an easy pay system online now, that does not work, and their call centers are also entirely shut down, making pay over phone impossible. No account information is available either, thus unable to see due dates, amount due, interest, etc. One of my accounts with them has already been reported as late- which must be immediately removed, as it is inaccurate reporting as it was by no fault of my own but the companys that I, as so many others, are unable to submit payment. I want action taken and this issue to be resolved promptly. I do not believe my information is safe, nor do I believe they are making any attempt at accurate reporting.
Product: Credit reporting or other personal consumer reports

I submitted an opt out letter to the company and received no response. Its been more than 21 days at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am a victim of identity theft and XXXX XXXX 
I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Experian comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 
XXXX fraudulent account 's ( XXXX XXXX XXXX ) opening date is XX/XX/XXXX ( When I had not even stepped foot in the United States, had no Identity, and no Social Security Number ). I arrived in the United States as a XXXX in XX/XX/XXXX. It was physically and scientifically impossible for me to open that account. You can see that my Social Security Number was issued after the opening date of this fraudulent XXXX XXXX  XXXX account. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was XXXX  and XXXX out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX XXXX XXXX in my lifetime, they are both from XXXX XXXXXXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the XXXX fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, first issued Social Security number demonstrating that the fraudulent XXXX XXXX XXXX account was opened before even I arrived in the country and had a Social Security number. Also attached is my XXXX XXXX by the Department of Homeland Security XXXX years ago proving that I was an XXXX  and victim of XXXX 
Please have Experian comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible.

It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Experian. 
I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

XXXX and XXXX - XX/XX/XXXX - called my employment often giving a court case and stating that I was being sued for a credit card debt from XXXX. They were awful in how in they communicated with both me and my employers. They harassed me and would not provide me with any information. They threatened that I would be served tomorrow if I didn't pay today. 

I called back and asked for their contact information for their business- XXXX and XXXX XXXX They would not give me everything. Said I should already have it.
Product: Checking or savings account

I have been a customer of Wells Fargo for 15 years. I received a email saying my account has been overdrawn of XXXX. So I contacted Wells Fargo because i know my account had funds inside. Wells Fargo said they was calling me asking did I want to proceed with the claim. The person hacked my account added a phone number to my account. Wells Fargo never spoke to me while this transaction happen. I found out thru my email. In right then I called. I went thru going to the office for they can check my phone to see do i have a tracking on my phone. They looked and seen i was in Alabama the whole time of the transaction took place. The check the recording in it wasn't me. He said the voice was deep. Indicating it was a man. I went to the police department to to a fraud on my account. I have done everything that wells Fargo has ask me to do. In still I haven't receive my funds of XXXX. I'm really trying to stay come. But I'm losing everything around me. Can you please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I was never given any dates of service, an itemized statement or any evidence they had to verify the debt. 

I was covered by XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX.
Product: Debt collection

EQUIFAX : Has listed on my credit report a debt collection from XXXX XXXX XXXX Acct # XXXX. I have asked them several times to verify this account with me and to send me verification of this acct. Within the timeframe. They have never verified anything. And this acct dated XXXX/2010 something from almost 7 years ago. They allow the company to report this on my credit report every month. An account that has never been verified. Also the company lists the date of acct as XXXX/10 and on another reporting system it is listed as XXXX/10 so the dates do not match up.
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX XXXX XXXX with said company and in response they verified the item as accurate stating that they have verified the information with the court. 
I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

This company has to respond to this complaint well after 30 days with no proof of re-investigation with the courts and I ask that this information be removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance XXXX -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX