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

Capital One bank took over Walmart account for over 5 years never late never past due even if account was max out payment was no more then XXXX I check my account on XXXX they are now trying cover up fraud by Capital one they list no payments since XX/XX/XXXX when they took over account they also do not list actual payments that went from XXXX in XX/XX/XXXX to XXXX to XXXX to XXXX in XX/XX/XXXX yet they claim it was due to balance owed which is 100 % not true my high balance is XXXX I have cards with highs from XXXX to XXXX and monthly payments are no higher then XXXX Capital one keeped adding late fees even though I was not late they started this as soon as they took account over on XX/XX/XXXX they claim they reversed all charges late fees well how does my monthly payment go from XXXX to XXXX dollars, what they have done is not reported true facts since XX/XX/XXXX on credit report to cover up this fraud which I will attach a copy of also when I called on XX/XX/XXXX it went to collecting not customer service that is the number they have listed on XXXX after talking to 3 different people the last one refused to answer questions about reported incorrect info and why if i call it goes to collecting when account has never been past due ever also why the monthly payment went up XXXX in XX/XX/XXXX for no reason if all late fees were cancelled they refuse to fix credit report and now covering up fraud by not reporting facts from XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX  XXXX XXXX BALANCED {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted an identify theft report to equifax about some inquiries that are on my credit report and they have failed to validate who the spoke to during theyre investigation saying that those inquirs are factual according to the FCRA these inquires must be removed if stated as FRAUD
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early of 2018 I started a modification of my mortgage. I had paid my mortgage every month but not on the first of the month. I was not 30 days late. I continued to make my payment and in XX/XX/XXXX I started to make my payment on the XXXXaf the month, gor the month of XX/XX/XXXX. I was told at that time that my modification was accepted and I was in the trial period. I still tried to make my XX/XX/XXXX payment but the lady wouldn't accept it. She said because of the modification she couldn't take it and that it would mess up the modification. At that point I asked her if this would mess up my credit would I be reported late. She said no it would not be reported late because I was now in the modification. We discussed other things then I turned around and a satirist second time are you sure this is not going to affect my credit negatively. She again said no this was a recorded conversation.

Later when I looked at my credit report a couple months later I had indeed been marked late for 30 days and then consecutively after that I had been marked late. I had paid my modification on time I am now in the set modification. I have not missed a payment I've paid it on time they still will not correct this. I called and talked to customer service they went back and listened to the tape and they said you did ask twice and she said twice it would not hurt your credit. they said that they would try and call the credit reporting department and put in a complaint to get this taken care of and I would be notified. Twice I've tried to take care of this problem with them and twice they refuse to report correctly. I am taking it to you guys hoping that they will correct it I am going to have to get a lawyer if can't do anything.

Since all this has happened my modification is not being reported. They haven't reported that my loan amount was lowered my payment was lowered they have not reported that I've been on time. It seems like they are doing anything they can to destroy my credit. I was never late on my mortgage and I would have probably not went through the modification if I knew it was going to destroy my credit like this. It saved me {$300.00} but I can't get a new car or it's going to cost me another XXXX. My insurance has went up on my house and my car. So they really haven't saved me any money.

the recording on the phone call happened XX/XX/XXXX or XX/XX/2018 and then I spoke to somebody I believe again in XX/XX/XXXX. The phone call in XX/XX/XXXX agreed that they had told me wrong and it was their fault. But the credit reporting department is refusing to do anything about it. If you could get the recording from those days you will see exactly what I was being told. I want all lates removed off of my credit report, all bureaus. I want my payment on the credit report to show correctly reflecting the modified rate and I want the amount that I still owe to show correct modified amount.

I also think that there should be fines to this bank for reporting incorrectly on purpose after being notified and listening to the recordings.

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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These companies are not the original creditors. They are claiming to be original creditors, and reporting on my credit charging interest, however they have not been able to provide me with any original documents, signatures or proof. Information they have on file is inaccurate and does not match. I want these items deleted from my report if they can not prove my address, zip and information within 30 days as required by law, and I also did not furnish any of these accounts with written instruction. They violated my rights. 

They are not the original creditors, and do not have any documentation on file. 

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

I found out that you are not removing files after I sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not REMOVE the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following are inaccurate items ; 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 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 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

EQUIFAX CREDIT BUREAU IS REPORTING INACCURATE NEGATIVE ACCOUNTS AND INQUIRIES ON MY CONSUMER REPORT : XXXX ) XXXXXX/XX/XXXX AMOUNT SHOWING : {$76.00} ACCOUNT XX/XX/XXXX : XXXX DATE : XX/XX/XXXX XXXX ) XXXX & XXXX BANK AMOUNT SHOWS : {$79000.00} DATE : XXXX / XXXX / XXXX ACCOUNTXX/XX/XXXX XXXX XXXX ) XX/XX/XXXX DATE : XX/XX/XXXX AMOUNT SHOWS : {$280.00} ACCOUNT XX/XX/XXXXXXXX LIST OF INQUIRIES : XXXX ) XXXX DATES : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.
Product: Checking or savings account

I have an active bank account with Peoples United Bank, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX. 

When this account was opened, it included a debit card which I did not attempt to use until recently. The card did not work several times which prompted me to go to the bank. I was told it was shut off because it was not actively used. I had never been notified that it had, in fact, been shut off and informed them of this. 

A bank rep then issued me a temporary card to use until a new card could be processed and delivered by mail to me. The temporary card is embossed Preferred Customer where my name would normally appear. 

This card also does not work. I have used it twice to process an order with XXXX only to get a later response of Payment Revision Needed. This prompted calls to XXXX and Peoples United Bank trying to figure out why. 

The call to XXXX XXXX Customer Service had a representative questioning me whether the card was activated ; I informed her it was done by the bank rep who issued it to me. She had me change my pin, also. She also notified me that my new card might arrive around XX/XX/XXXX. 

XXXX informed me that payment for both of the orders was rejected by the issuing bank. 

In yet another phone attempt, I contacted yet another Customer Service Rep at the Bank. This rep insisted everything was working properly. 

Fed up with the cars being rejected, I went back to the Bank and withdrew {$600.00} in cash. I requested {$500.00} remain in the account as I need to bridge an account into a new bank. ( Do you blame me? ) I requested a check be made out to me, XXXX XXXX and Cash, for the balance. I was told the check would cost me {$5.00} and the Bank would not allow the check to be made out to cash and me. They would only allow my name on the check. 

Seeing as I have literally spent hours at this point actually being physically present in this bank and spending time on the telephone with bank employees trying and trying and trying to resolve matters, my approximately $ XXXX still sits there where access is impossible unless I go back to the physical bank for the third time and attempt to make a withdrawal for the balance in cash. One can only imagine the roadblocks theyll have ready to stop me from getting my own money. 

There is something steadfastly wrong with their practices that none of their employees can figure out this problem as to why the Preferred Customer card is NOT working.

I need my money as soon as possible and I would ask that you assist me in addressing my issues with Peoples United and helping me get my funds. 

So much for being a Preferred Customer. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX
Product: Credit card

On XXXX XXXX, 2016, a check in the of {$1900.00} was mailed to Barclaycard. As of today, XXXX XXXX, 2016, this payment has not posted to my Barclaycard account. My bank account has been debited for the check 's amount. XXXX XXXX XXXX XXXX XXXX has provided me with a copy of the front and back of the check, which shows it was deposited into a XXXX XXXX account owned by Barclaycard.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXXXXXX XXXX XXXXnquired on XX/XX/ XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00} Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have regions bank - life green checking account - ending in XXXX. As per the terms and conditions document that i got at the time of opening this account it clearly stated that maintain a monthly balance of {$500.00} to avoid any monthly fees. In the month of XX/XX/2021 - the average monthly balance is more than {$500.00} but still on XXXX XXXX XXXX Regions bank charged me {$8.00} as monthly fees. Chatted with XXXX XXXX and told her the same. 
Attaching the terms and conditions document along with the chat.
Product: Debt collection

This is in regards to a loan that has since received a default judgment against my husband and myself.  The loan was originally for XXXX, signed in XX/XX/XXXX.  The debt was paid down to below $30000 when this was sent to court and now has accumulated to over $57000.  We lost our business in XX/XX/XXXX, where shortly after my husband moved to XXXX to work.  Shortly thereafter, we separated and I moved to XXXX to help take care of a grandmother who was in the late stages oXXXX XXXX.  She XXXX in late XXXX and I moved back to XXXX in XX/XX/XXXX.  Paperwork shows that the loan was defaulted on by my husband, whom had the vehicle, it was then sent from XXXX XXXX to an attorney who filed a judgment against us in XX/XX/XXXX.  They state that a notification was served on me but there is absolutely no way they could have as I was not living in XXXX at the time.  Later in XX/XX/XXXX the account was turned over to a collection agency by the name of XXXX XXXX who then sold the account to Kohn law firm in XX/XX/XXXX.  We were NEVER sent any paperwork on this account when it was sent to either collection agency!  The only time I knew about Kohn law firm handling this case was when they stated garnishment proceedings on my husband in XX/XX/XXXX.  I did not know then that we could send a verification letter to these companies to verify the debt with them and now Kohn law firm says that I am entitled to a verifaction letter as it is past the 30 days notification!  How can that be when they never sent a letter to us regarding this debt?!!!  I have sent all information to the judge handling the case as well but nothing has been done.  This is not right and I would like something looked into regarding this.  I should be entitled to a verification of the debt from Kohn as well as XXXX, yet neither one will give this information!!!!  Kohn law firm continues to collect garnishment on this case even after my husband notifying them that he now falls under the federal poverty level!!
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts and inquiries associated with my credit file, as I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Please remove the following accounts from 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX XXXX are alleging that I owed an amount of {$15000.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. Account Number : XXXX
Product: Student loan

According to the Department of Education, it states that borrowers who made payment during COVID " can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). '' The borrow must contact your servicer to make the request. 

My servicer is NelNet and they said that only payments that I made during forbearance are eligible. According to their records, I requested for forbearance once ( in XX/XX/XXXX ) and that request was good for only 90 days. In order to stay in forbearance, I needed to make a request every 90 days. As such, I am not entitled to any reimbursement for payments that I've made after that initial 90 days ( because I didn't request for forbearance ). When I requested the initial forbearance, it was not clear that it was only for 90 days. I had requested forbearance in the past and the typical duration is a year. 

I would like the CFPB to contact NelNet on their policy/rules on payments made during the payment pause as I don't believe it meets the intent of the Department of Education 's guidance. I believe NelNet is using technicality ( whether the loan was in forbearance or not ) to avoid or reduce the amount of the reimbursements they need to make. For example, based on their eligibility rule, I'm entitled to be reimbursed for only 3 months - {$790.00}. However, based on the Department of Education, all payments made during the payment pause ( from XX/XX/XXXX to XX/XX/XXXX ) are eligible for reimbursement which would be {$2800.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX with the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, phone # XXXX is attempting to collect a debt from an account that does not exist. The letter is in reference to a XXXX Citibank credit card account, which does not exist. I only have a membership with the XXXX XXXX, and have no credit account with them. The collection amount is {$280.00}, charge-off date XX/XX/2018. Letter was received XX/XX/18.