23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account XXXX loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.AC 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumers to any agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/23 I had a bill pay issued from my Capital One account # XXXX for {$2000.00} and the check was lost in the mail. The vendor never received it. 

After the check was reported lost after 10 business days according to policy I waited for the refund. I have never received a refund. I have called Capital One over 15 times, spent 30 hours on the phone, I have been lied to at least 5 times by front of staff and management on when my funds will be returned. I have been a client of capital one in various ways for almost 18 years. 

I just started checking with them and I could not be more upset. I have an auction item that must be paid and Capital One is intentionally not refunding my money. I am without {$2000.00} to run my small business and Capital One is violating its own policies by not refunding me for a lost check. 

Many times I call customer service they are foreign, put me on hold, and then just flat out lie to me. 

It should be a regular course of business that checks are lost, stops placed on them and given a reasonable amount of time the check refunded. I am being held XXXX by Capital One and there is NO ONE who will fix my problem because they are an internet bank there is no where to go. 

Also, the calls to the foreign country were complaints go is a terrible line that is static filled and drops. My call has been dropped numerous times and only ONCE did Capital One call back. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1000.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$240.00} XXXXS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Original Creditor : 09 XXXXXXXX XXXX ) XXXX Balance {$7800.00} XXXX XXXX Original Creditor : 12 SPRINT ) XXXX Balance {$3900.00} XXXX XXXX ( Original Creditor : 06 XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$110.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX {$150.00XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance {$200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of the accounts below are not accurate. the open date, date last active, and date of last payment is not 100 % accurate. 

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

i attached a consumer report as evidence.
Product: Debt collection

This is a repeated caller claiming to be 5/3 Bank and saying they are calling to get payment on an auto loan. The number is XXXX. It calls daily, weekdays or weekends. I'm asked to give personal information, such as my birthday. 

I have checked with 5/3 Bank and its representatives. They say this is a scam call. 

I've told the person- it's a real person on the line- not to call me. They continue to do so. It needs to stop.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX of XXXX, I sent several letters asking them to either remove the account or update the account to PAID AS AGREED, since the Statue of Limitation for negative reporting had been reached as of now I still have not heard anything from them. 

On XX/XX/XXXX I called XXXX XXXX and after several minutes I was informed that they could not find the account on file and I should contact their customer support team to get this resolved, which as of now has not been resolved. 

I tried to dispute with XXXX, but they keep reporting this account as verified even though XXXX XXXX says they do not have this account active anymore and it was sold to another lender. 

I am asking that there is some type of resolution from XXXX XXXX  to either remove this account or update to PAID AS AGREED, since this negative information is impacting my ability to purchase a house.
Product: Credit reporting

experian refuses after numerious dispute attempts to remove XXXX XXXX XXXX and XXXX from negative accounts in the credit report chapter XXXX bankruptcy discharge papers were submitted in addition to student loan deffermen/tforberance documentation. ( XXXX, XXXX, us department of education ) experian will has refused to add account into satisfactory accounts/accounts in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company randomly increases and decreases my credit score on an almost daily basis. Today my credit score was decreased by XXXX points because a credit card is over limit. The card has not yet over limit for 30 days. Further, the card is slated to be paid down at the end of the month. I guarantee you, my credit score will not increase by XXXX  as quickly as it decreased. This company is engaging in terribly unfair credit reporting practices!
Product: Credit card or prepaid card

Capital one called the company asked about the 0 % interest disclosure it is not included on the statment on purpose it posted internally on the company computer when you call them. 

I asked for the interest posted t be disputed they declined told me could write to their general corresponsdence mail box via fax XXXX They did not feel like this was a scam, disagree
Product: Credit card

We submitted a promotional balance transfer from a Chase credit card to another credit card in the amount of {$14000.00}. If made within 60 days of account opening, fee was to be 3 %. We submitted request within 60 days, got confirmation of the request via email, saw it pending online as of XX/XX/XXXX ( pending status thru XX/XX/XXXX ), and on XX/XX/XXXX saw the transfer was deleted. Called Chase and reps initially told us nothing other than it was cancelled and wed receive a letter in the mail. Requested a supervisor who after verifying account information could only offer that the receiving bank must have different banking account info resulting in the cancellation and suggested we check with other bank ( XXXX ). XXXX confirmed account info we submitted was accurate and added they never received a balance transfer transaction submitted to them from Chase. Now promotional incentive is past and Chase will not reinstate offer at the 3 %. The fee is now 5 % - Damages are {$280.00} and it negates our ability to transfer the amount we initially requested.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits.

Capital one has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to insure my rights are upheld.

Thank you.
Product: Credit reporting

When pulling a copy of my Equifax, XXXX, and XXXX Report online I saw where there was a public record reporting negatively against me. I have a copy of a letter from the clerk of courts in XXXX County from the XXXX where this judgement is indeed an error and does not pertain to me. This lien clearly states that this lien is against a different tax payer and not me. With this letter I was able to dispute the public record off of my XXXX and XXXX credit reports with no problem. For some reason Equifax is giving me a hard time and will not remove this inaccurate information from my report. This public record is a false derogatory account that is affecting my credit score. I am in the process of attempting to use my credit. 
* I submitted a dispute to Equifax on XXXX/XXXX/2016 *I submitted a dispute to Equifax and to XXXX County Clerk of Courts on XXXX/XXXX/2016 * I submitted a dispute to XXXX County Clerk of Courts on * I submitted a dispute to the Consumer Financial Protection Bureau on XXXX/XXXX/2016 * now I am submitting a dispute as of XXXX/XXXX/2016 I am hoping that this agency is able to get his matter resolved I have spent lots of hours dealing with this and typing out all of these dispute letters. 

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

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challengeXX/XX/XXXX
Product: Vehicle loan or lease

on Friday XXXX XXXX  XX/XX/XXXX, I receive a call from my lobby saying a unidentified gentleman is here to " repo '' my vessel. I let them know Im on my way down to see what the matter is as well as who this main is and what he claims. The receptionist then tells me he has already trespassed on the property to private storage of my vessel. He does not disclose how he is or who he is representing, later validates he is contracted with NAVY FEDERAL CREDIT UNION.Showing only an order with my personal sold information and dwelling. I decided to call the police ; as we went over these matters, the man proceeds to trespass into car storage with tow truck. After standing my ground to my proven claims, he then leaves as well as XXXX Police this man nor company has any contracts with myself nor this vessel. I still have not received a response from CEO XXXX XXXX or Chairman XXXX of NAVY FEDERAL CREDIT UNION. I feel threatened as well as pain from the injuries this man has caused. Under FDCPA 809B,806, and 807 they have violated my consumer rights and rights under the Articles of Confederation. In addition, using harmful and illegal debt practices under 15 USC 1692. I am handling all civil affairs as needed but I will not tolerate this. XXXX XXXX XXXX this same man is snooping around the property.
Product: Checking or savings account

i previously had a Citibank checking account I became sick with covid and while I was sick someone stole my wallet and phone making several fraudulent charges on multiple accounts. When I began feeling better and started looking over my accounts, I immediately called the banks and disputed the items. Citi definitely did not properly investigate because if they would have, they would have seen the charges were fraud, this caused my account to be negative. They then sent me an email advising that they would be closing my account no further deposits, withdrawals, etc. would be able to be done on the account effective immediately. Well due to me being sick with covid I qualified for the rental state assistance which was to get deposited into my citi account and after receiving the email from them they accepted the deposit from the state and kept my rental assistance. i phoned the executive team and advised this money was only to be used for rent and I needed it I spoke with XXXX, and he advised that the payment would be returned by the XXXX of XXXX as of today 's date They still have not even processed the return of the payment.
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. Account name- XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that 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 the records of convictions of crime 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. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.
Product: Credit reporting

I sent a letter to Equifax on XXXX, requesting a credit investigation. To date, I have received no response from Equifax whatsoever. XXXX responded to me right away, but not Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get my free report from all three companies. XXXX XXXX XXXX were no problem. TransUnion would not let me see my report because the incorrect information in their file results in my answers to their " identity verification '' questions disagreeing with their erroneous data. A phone call basically resulted in a sales pitch for multiple services, none of which I need or want. I want to correct the info but they wo n't let me see my report! Examples : 1 ) What model year is your XXXX? I do n't even OWN a XXXX! 
2 ) What county have you lived in? My answer was " none of the above '' because none of the counties applied to me! 
There were a few others, the reult of which was I failed to prove who I was. I want to correct the data but I need to SEE it and they refused. This is unacceptable! 
Thank you for listening!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX section XXXX a ), it is crucial to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and a commitment to respecting the privacy rights of consumers. As recognized consumer reporting agencies, both XXXX and Experian, and myself as the consumer, possess the right to safeguard personal information, as emphasized by XXXX XXXX XXXX, outlining XXXX 's policy that financial institutions actively uphold customer privacy. Designated as a " Furnisher of information to credit agencies '' within the financial institution category, XXXX XXXX XXXX section XXXX a section XXXX specifies that a consumer reporting agency may only furnish a consumer report based on the written instructions of the respective consumer. Furthermore, XXXX XXXX XXXX ( a ) ( XXXX ) explicitly states that a consumer reporting agency is forbidden from including certain adverse information in a consumer report without obtaining proper authorization. Reporting this account as an adverse item without my permission constitutes a clear violation of this legal provision. In alignment with XXXX XXXX Code XXXX ( A ) ( XXXX ) A, it is prohibited for a person to provide inaccurate information to a consumer reporting agency if they know or reasonably believe it to be inaccurate.
Product: Credit card or prepaid card

I purchased an item on XXXX  with my Chase credit card on XX/XX/XXXX. The item was marked as " hand delivered to a resident '' when no one was home. I live in an apartment building and checked everywhere and with all my neighbors but no one had seen my package. I notified XXXX  and they sent a free replacement on XXXX XXXX which I did receive. The item was defective and not to my liking so I returned the item at an XXXX  location near home on XX/XX/XXXX. Nearly a month later the charge was still showing on my account so I disputed the charge. A day or two later on XX/XX/XXXX, I received an email from XXXX  stating that they had received my item and the return was complete.On XX/XX/XXXX the refund was posted on my Chase account. On XX/XX/XXXX I received another email from XXXX  notifying me they had received the dispute from Chase. A few days later I called Chase to cancel the dispute and I thought that was the end of it. Apparently, the claim was never closed, and XXXX contested my dispute with Chase with proof that I had been sent a replacement. The dispute was reversed and on XX/XX/XXXX I was rebilled for the item that had been returned on XX/XX/XXXX. I have called XXXX on several occasions and they tell me that all they see on their end is the original charge and the refund, no rebill. I have also called Chase 's claims department on several occasions and have been given several different stories : - " The rebill just posted yesterday, give XXXX a few weeks and they should see it in their system '' - " The dispute cancelled out the refund, you need to call XXXX to refund you again '' - " The rebill amount is sitting in XXXX 's bank ( which XXXX claims is Chase ) because of the dispute and they just need to contact their bank to release the funds '' - " XXXX never refunded you, the refund you see is because of the dispute '' Chase refuses to reopen the claim because XXXX has proven that a replacement was sent ( not the issue ). 

To date, no one can figure out where the money is. I don't have it, Chase doesn't have it, XXXX doesn't have it.They both keep pointing fingers at each other and I'm left with a balance I shouldn't have to pay.
Product: Debt collection

Pioneer Recovery has repeatedly contacted me past XXXX. They have contacted family members that I am not in contact with and discussed my debt. The company has also contacted my employment although I have repeatedly asked them not to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been a month since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my 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 XX/XX/2021
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has violated my federaly protected consumer rights to privacy codentally under Title 15 USC 1681 Account XXXX # XXXX Account XXXX # XXXX Account XXXXXXXX XXXX XXXX # XXXX Account XXXX  # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> when I initially found this information and some things are incomplete, inaccurate and according to the fair credit reporting act : ( Whenever a consumer reporting agency prepares a consumer reports reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates to ) according to Title 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 ( i ) they are suppose to do the ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ln generalf after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the fe of the consumer, or modify that item of information, as approphate, based on the results of the reinvestigation ; ( ii ) and promptly notify the funisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681-2 they are suppose to not furnish any information relating to a consumer that has reasonable cause to any consumer reporting agency if the person knows or believe that the information is inaccurate.
Product: Mortgage

ShellPoint Mortgage Service Originally they told me they never received documentation for my home owners insurance. I contacted my HOA and they told me they already sent it in. 

After a few weeks I get a final notice from ShellPoint that they have not received my documentation, so my HOA sends it in again. 

Shellpoint then starts charging me private insurance because the " never received it '' raising my monthly bill to XXXX, previously XXXX give or take. After some lengthy phone calls they were able to find my proof of insurance. They told me the amount will be refunded and my monthlys would return to normal. They have not, they are still the same after the increase; for over 3 months now. When I asked them, they said it's because of a balance on my escrow account, which is only there because of them trying this scam me again the previous year with this same insurance ploy. They constantly transfer me to another department, only to be transferred back to the previous department. Communication with them is poor and frustrating. They put you on hold for 45 minutes, then say we need to transfer you to insurance department. When you finally speak to insurance department, they say they already updated your insurance information, then they transfer you to the payment department ; just to be told we haven't heard from the insurance department. I want what I'm supposed to pay, I'm tired of being overcharged for a service I do not require ; and have proven it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX