23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made a transfer of {$6000.00} from an account to my Capital One checking account. Capital One has not shown the {$6000.00}, and indeed my checking account appears completely inactive. I tried to get information from Capital One, but was unable to. Apparently, there is a problem at Capital One, but, they are not admitting what the problem is, nor are they offering solutions, nor is there a time line for when the problem will be resolved. Especially going into the XXXX weekend, I am left without access to cash. I am also worried that my Capital One accounts ( both savings and checking ) have been caught up in some sort of theft.
Product: Credit card or prepaid card

I contacted AMEX in regards to XXXX payments we submitted that would be returned due to an accident involving our bank accounts. AMEX reassured me over the phone that a returned payment would not be an issues, rather that we would only incur a small {$39.00} fee. 

The returned payments came and went, we made substantial large payments to heavily pay down our balance in the amount of {$4000.00} & {$7000.00}. This was all fine until yesterday. We opened a new AMEX business account for another company and our account was sent to financial review, during the review they saw the XXXX returned payments, and charges with a company that they deemed was " affiliated '' with us, which they provided no explanation about how they came to this conclusion. After making this review they immediately closed my long standing account ( since XXXX  ) and also suspended our new account. 

AMEX baselessly closed these accounts and refuses to provide any valid reason for the closure even though we were upstanding users and made on-time honest payments for years. We were never late and never carried a balance over our limit.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will reporXXXX XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per IRS regulations, a XXXX debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS.

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations.

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the CreditoXXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Debt collection

I do not owe this amount. I have XXXX in my vehicle and it is mounted above the windshield as instructed. The machine toll neglected to read the device and I immediately called XXXX and was told my vehicle is registered with them and the toll machine did not read the device. I paid the toll via my XXXX account. I sent proof to the XXXX XXXX XXXX XXXX via mail to prove my case and was never contacted again. Now almost 9 months later I received a collection which has damaged my credit and reputation.
Product: Credit reporting or other personal consumer reports

verbiage 75 % F6 The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FC
BA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" I recently reviewed my consumer report and noticed an incorrect late payment record on my JPMCB CARD. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these pdates to be made promptly, in compliance with the law. ''
Product: Credit reporting or other personal consumer reports

My credit report on Equifax was built with ITIN number. 
A couple months ago I got my SSN number with SSA. I've changed my SSN number with all credit card companies, but the SSN number on my Equifax credit report is still incorrect.

It has caused me a LOT of troubles, including denied credit card application. I'm also unable to pull my 3-bureau credit report due to incorrect data in my equifax report .

I tried to file a couple of disputes with Equifax. Since I'm not a XXXX XXXX in the US, my SSN card have " VALID FOR WORK ONLY WITH DHS AUTHORIZATION '' on it. But it was still considered as a valid SSN card by SSA. XXXX XXXX XXXX XXXX ) But they responsed with " THE WORKER ID NUMBER IS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION FOR WORK PURPOSES ONLY. THIS NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY ADMINISTRATION AS A SOCIAL SECURITY NUMBER. ", which is completely nonsense as they are valid social security number and they will never change throughout my life.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Capital One continues to claim that the solicitations and advertisements they send me will not affect my credit to which is absolutely untrue and I have in excess of over 20 plus inquiries on each of the three major bureaus. I have sent out request letters to have this corrected and the inquiries removed to no avail
Product: Student loan

I had personal students loans in default and had a parent plus loan that was in good standing. My child was not able to receive all of the parent plus loan because of my loans being in default. When I was notified of this problem I tried consolidating my loans and my parent plus loan to get my loan out of default. I used the provider XXXX because my parent plus loan was already with them. I received a notice via email that my loans were denied. I was under the assumption the loans didn't go through. Come to find out at a later date that only my parent plus loan was consolidated. However I didn't want just my parent plus loan consolidated. It was in good standing. I tried speaking to XXXX and they said they couldn't reverse the loan and that I had to contact Navient. When I contacted them they said it was pass my 10 day mark. But I was not given a letter and or notification. I am highly disappointed. I did not get the serve that I wanted and am force to pay for something that I never agreed upon. Please I need help I want to see what a judge has to say about the matter. What is the process. Please email me back at XXXX Thank you for you attention to this matter.
Product: Credit card or prepaid card

My chase credit cars were closed, both Business and Consumer. 
I have never had a late payment, and Chase on the phone told me that for my safety and privacy, they can not tell me why. 
I went to a branch, where I was told that they have no information on this either, and are also not able to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters of Disputes Ive called them many times I explain the situation to no avail they sent me letters Stating Information is accurate this account is not open its closed account they are reporting wrong Information on my credit report well as the Response letters they sent me stating its open account which is wrong this account is five years old XXXX is reporting closed account TransUnion is Reporting open account
Product: Bank account or service

I received an offer from Citibank to open a new Citigold bank account in XXXX XXXX, which promised XXXX XXXX XXXX miles in exchange for making XXXX XXXX XXXX XXXX bill payments in consecutive months and for spending { {$1000.00} } on my debit card. I met these requirements in in XXXX XXXX and here is an excerpt of the message I received. 

" After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your XXXX account by XXXX/XXXX/XXXX. '' Now Citi is giving me a run around saying there 's delay and I wo n't get the bonus until XXXX45 days after today when I called. This has been going on for weeks. I 've tried contacting them over the phone and online, all I get is run around. I just want to get this resolved in a timely manner without having to chase them down. Does Citi want to alienate their customers? What kind of relationship do they want to create with the public here? After all, we did bail you out after you XXXX up in XXXX with the whole mortgage stuff. I mean come on!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were not a charge off, they were paid off .. I took care of the accounts and they were paid in full.. Remove this error from my credit report asap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
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, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name ; XXXX # XXXX, Account name : 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: Student loan

I am eligible for student loan discharge of 15 % under the National Defense Student Loan discharge program, which discharges portions of loans by certain percentages, on request, based upon time in a combat zone. I have served a year on a deployment and requested this benefit. I requested the benefit through my servicer, Navient, in XX/XX/2017. They denied the request saying it was for XXXX loans only. that is incorrect, it is for XXXX XXXX as well. See the actual code of the law XXXX XXXX XXXX ( 1 ) An institution must cancel up to 100 percent of the outstanding balance on a borrower 's Federal XXXX or XXXX loan for a borrower 's full year of active duty service that includes XX/XX/2008, or begins on or after that date, as a member of the U.S. Army , Navy, Air Force , Marine Corps , or Coast Guard in an area of hostilities that qualifies for special pay under section 310 of title 37 of the United States Code .

( 2 ) The cancellation rate is 15 percent for the first and second year of qualifying service, 20 percent for the third and fourth year of qualifying service, and 30 percent for the fifth year of qualifying service.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 15th 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 XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

loqbox.com We reviewed your Loqbox Save and have noticed that your auto payments were not initiated on your selected payment date. We apologize for any inconvenience this has caused. Due to this technical issue, we have unlocked your Loqbox Save and will be removing this tradeline from your credit report. This does usually take about 60 days to reflect on all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report reported by XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Belmont Finance LLC Pulled my credit report after I sent them a Right to Rescind Notice, A Cease and Diest Notice, Affidavt of truth Notice. I never request them to pull my credit. This is fraud and Illegal activity, A Company can not rebutt a natural person I have not sign a contract with Belmont Finance LLC, I sign with XXXX XXXX  They keep saying that every thing is acurate and they are reporting truth to the CRA, I have not been provided any type of proof that I sign a wet contract, A legal contract with Belmont Finance LLC They have not validated this account. The countinue to report my account late to the CRA. Late payments are illegal 15 US code 1681 A 2 A, Transactions are not included on my credit report so how can there be late payments. I demand that Belmont Finance LLC Leave me alone. They keep harrising me reporting negative false information that I did not Authorize them today.
Product: Debt collection

this company zfn and associates have been threaten me to go to jail also have faxed my job asking for my routing and bank account
Product: Mortgage

I have a home equity line of credit with Bank of America, and I responded to a letter which notified me of the option of applying for a home loan modification. I had previously signed up for paperless billing, so I was relying on their account access for getting my statements. Once I had applied and begun the modification process, Bank of America blocked my access to online statements. Furthermore, my online access no longer will tell me the payment amount due, and I am not even sure if my payments are being applied properly. When I called them to ask about this, I kept getting referred to many different customer service departments, none of which could help me, and all of which said that I would not be able to access my statements or account information while the modification process is active. I need a copy of my statement to submit to the StepForwardMichigan ( HAMP ) program, and I am unable to apply until I have this information. I believe Bank of America is deliberately trying to get me to stumble so that they can begin adverse action - I can not think of a legitimate reason for blocking account access for a customer in good standing.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and saw some inquires I didn't recognize. I am wanting the following inquiries to be deleted : XXXXXXXX XXXX  XXXX, XXXX XXXX and XXXX. These inquires happen on XX/XX/year>. I did not authorize these companies to run my credit. This is fraudulent.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX and 30 days  late payment on the dates XX/XX/XXXX, XX/XX/XXXX . I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XX/XX/1986, XXXX XXXX XXXX XXXX : {$4500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Someone used my SSN and other info to cosign a loan application through College Ave. When I found out, I contacted College Ave and let them know that it was a case of identity theft and I had not actually authorized this individual to use my info. Fortunately, the loan application was denied and no funds were disbursed. However, I still filed a police report for identity theft with the XXXX Police Department in Michigan Report # XXXX, Contact XXXX XXXX XXXX XXXX XXXX to verify ). I requested a copy of the application from College Ave so I can use it to support my police report and they refused to provide it, despite the fact that it was made using my information. As a result of their refusal to provide a copy of the application, College Ave is preventing me from seeking justice for having my identity stolen and used to fraudulently secure a loan.