23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX accounts XXXX XXXXXXXX opened XX/XX/XXXX and XXXX XXXX XXXX accounts XXXX XXXXXXXX opened XX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason. 

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

After opting out per 15 U.SC 6802 15 U.S Code 6802. With respect to personal information, Capital One, a financial institution, 15U.S Code 6802 ( b ) MAY NOT disclose non public personal information [ ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information ; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. to a non affiliated third party, UNLESS, ( A ) a financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ] Capital One disclosed in the application that they MAY disclose information to third parties, However Capital One failed to follow section B. ( B theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. Which was not done, and Permissible Purpose 15 U.S.C 1681 ( a ) Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. This right was not granted and Principal was not contacted, violating principals consumers rights. And a violation of 16 CFR Part 313.1 Purpose and Scope. As of XX/XX/2024 Capital One is still reporting non public personal information to non affiliated third parties, causing finacial harm to consumer. Consumer has suffered loss by not having access to credit and beinfg denied access to consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is repeatedly refusing to correct the information on the attachment, all showing incorrect dates. Because of their errors my scores remain low and barely go up. But when the dates are corrected and made accurate again including, last reported and last active to the right dates, not disputed dates then the FICO goes back to what it was months ago and shows minimal but some improvement. They need to correct the dates so my FICO goes back up not down with their errors. I will no longer keep filing complaints but go straight to court if they fail to be corrected on my actual credit report that creditors see, not their in house report that no one including me cares about. Those are nothing more than lies and proof that I can show the court and compare to the reports I run on the XXXX of every month, which are my true scores and actual credit that creditors see. They have a choice, they can fix it or meet me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Product: Credit card or prepaid card

I received a letter from Synchrony Bank ( Care Credit ) stating that they had closed my account for high balance reasons ( I have attached the letter ). They gave me no warning that they were going to do this. I have actually had a XXXX balance on this card for a year. When I called they said that they closed my account for non use, diabolically different reason than in their letter. When I asked him if this would affect my credit, he hung up on me. 

I called XXXX. The person I spoke with there said that it is on my credit report as " closed by creditor, '' or something close to that. He told me I could not dispute it because they just said they closed it and did not give a reason. 

I spoke with the Minnesota Department of Commerce first, who gave me your information. 

I hope you can help. I thought I was doing the right thing having a XXXX   balance. This card can only be used for medical, so it's not the type of card you would use on a regular basis. 

I don't want the card anymore, since I found out what a fly by night company this is, but I do not want this to appear on my credit report, thereby damaging my credit for no reason.
Product: Checking or savings account

i tried to open a bank account with bank of america online, ( i am a XXXX XXXX XXXX XXXX XXXX ) and pass all the verifications but at the end it deny me a simple checking account for no reason. see attached. when i call them they cant confirm whats the reason. can you please help a XXXX person under ADA.
Product: Credit reporting

I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the Federal Bankruptcy Court ( but no documentation to support that ) and if I had questions to contact the Bankruptcy Court at the address listed on my Credit Report. I sent a letter to the Bankruptcy Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently noticed and inaccuracy and FDCPA violation from Caine & Weiner attempting to collect a debt that doesn't belong to me. Caine & Weiner is reporting an inaccurate date of last activity for XX/XX/2022 on my XXXX Credit Report and a date of XXXX on my XXXX credit report. Under the Fair Credit Reporting Act inaccurate and incomplete accounts must be removed or deleted.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT - CFPB I am writing to dispute fraudulent information on my credit report under 15 U.S.C. 1681c-2 and request that this information be blocked. I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX  ) to support my claim of identity theft. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block the identified fraudulent information within four business days. 
The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX INQUIRIES : XXXX XX/XX/2024 As required by law, this information should be blocked for one year, at which point I ma

y request an extension of the block. During the block period, you are prohibited from reporting these accounts unless you have verified that my report no longer contains fraudulent information.

I have contacted the credit bureau multiple times to report these fraudulent accounts, but no resolution has been provided. This has severely impacted my ability to purchase a home for my children. It is especially concerning that other credit bureaus have removed these collections after determining they were fraudulent, yet this bureau continues to claim that these accounts belong to me. 
Additionally, I have requested contracts from the company in question that supposedly opened these accounts using my information. Despite more than 60 days passing, I have not received any response. This lack of action further supports my claim that these accounts are not legitimate. 
I respectfully request your immediate assistance in deleting these accounts and any related inquiries from my credit report. I have enclosed the FTC report for your reference and trust that this matter will be handled with urgency. 
RESOLUTION REQUESTED : Please delete these fraudulent accounts and inquiries immediately. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries to my credit report XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I enter into a payment arrangement with representative XXXX XXXX of XXXX XXXX XXXX. According to MrXXXX XXXX, I had an outstanding balance of {$1500.00} from The XXXX XXXX  XXXX. I was surprised because I was currently in the process with XXXX XXXX from XXXX XXXX of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. MrXXXX XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX XXXX XXXX blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX 's manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer respond.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is alarming and needs to be resolved ASAP!
Product: Credit reporting 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 ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$810.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX  Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$810.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX . Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX placed a collection account on my credit file. I disputed the account with the credit bureau. I replied to XXXX for debt verification documents as I have never dealt with or had any legal obligations with XXXX XXXX XXXX. They sent me documents. I again disputed the information with TransUnion for inaccurate information per the FCRA. After XXXX disputes and contact with the company, I am filing a complaint for violation of the FCRA. XXXX XXXX verified inaccurate and false information on my credit file. TransUnion continues to not hold data providers to the standard of the FCRA. I do not have any legal obligation with XXXX XXXX XXXX and I have never had any legal dealing with XXXX XXXX XXXX as they continue to report on my credit file. They also have reported incorrect balances and other pertinent information that should have triggered TransUnion to remove from my file. All the inaccurate information is a direct violation of the FCRA but furthermore verifying false information goes to blatantly damaging my credit history and rating. TransUnion allowed this after I submitted documents showing inaccurate information being reported showing their gross disregard for only reporting accurate data as required by the FCRA. By participating in reporting inaccurate data TransUnion is culpable because they must delete false accounts when presenting documents even if the company verifies them as accurate.
Product: Student loan

I have a private and federal loan with Navient, formly XXXX XXXX. Recently, I contacted them to reset my loan amount payments based on my income and to defer the payments since I 'm back in school full time. I was told they can defer payments on the federal student loan for 3 months, but it would cost {$50.00}. Otherwise, I have to continue to pay {$89.00} because I do n't have the option to base the payments off my income with either the federal or private loan which as an additional {$100.00} ea month. I 'm confused because this is a new law that was passed regarding school loans. Yet, you contacted this loan providers, and they tell you that you are incorrect. I 've had issues with the company before, and it continues. I 'm currently unemployed, and I 'm back in school XXXX. This company continues to draft payments on XXXX loans each month and threatens if I do n't pay them it will be reported to the credit bureau.
Product: Checking or savings account

I have had a Capital One 360 Account for over 3 years. Capital One 360 Accounts are online accounts that are advertised as " no fee '' accounts. 
When a member wants to make a remote deposit via their cell phone, the check amount must be entered when depositing a check. If the check is not even and has cents, a member can not enter cents. So for instance, if the check is for {$50.00}, the member must either enter {$50.00} in the 'deposit amount ' area or {$51.00}. If the cents is {$0.00} or greater, historically I have rounded the check amount up. If the cents amount is {$0.00} or less, historically I have entered the check amount as equivalent to the dollar amount and would not round up. So in XX/XX/2021, Capital One held a check that I deposited remotely and claimed that I entered an incorrect check amount. 
No one can enter the correct check amount because cents can not be entered. 
I am requesting an investigation into the Capital One 360 check deposit bank practices as their withholding of my check caused me to incur late fees for a bill that I attempted to pay. 
I had recently reported Capital One for other unjust practices just a month prior and I believe that I was retaliated against and this was why my check was withheld. There was no other reason for my check to be withheld other than retaliation. Historically I had always entered remote deposits that way. After over 3 years, why the sudden change?
Product: Debt collection

My original contract was with XXXX XXXX timeshare company, which was serviced by XXXX. My account had been in dispute with them because I tried to cancel my contract, and they claimed that I never spoke to anyone. They marked my account as 30, 60, and 90 days late, of which they made several phone calls after I asked them not to contact me. Then they closed my account and marked it paid with a XXXX balance. I never received any notification that the account was closed, transferred or sold. 

In XXXX I received a collections notice from XXXX XXXX XXXX. I called them on XX/XX/XXXX and spoke to XXXX to dispute the account. I advised her that I would also send something in writing, which I did. I also stated that I did not want to be contacted by telephone. However, I did not send my dispute documents certified. In the meantime, I never received any documents from XXXX to verify the account or the balance, which I do not believe is correct. Despite my request for telephone contact to cease, I received a call from XXXX, the account XXXX on XX/XX/XXXX, asking to speak to XXXX XXXX, who was a joint account holder on the XXXX account. 

After the account was placed as collections on my XXXX credit report in early XXXX, I called XXXX and spoke to XXXX, the account XXXX. She denied receiving my dispute documents, and asked me about the reason I was disputing. I told her that I attempted to cancel my original contract, she claimed she was sorry for my experience, but her tone an attitude proved otherwise. She was only concerned about collecting the balance and told me that my credit would be ruined and I would not be able to purchase a house or car. Shortly after, the collections showed up on my XXXX Report. The XXXX account was originally showing only on my XXXX account.
Product: Credit card or prepaid card

I signed up with a promotion with Capital One last year XXXX for 0 % interest for 9 months and I'm being charged interest. I called in last month in XXXX, gave the representative the information of when I received the promotion and I redeemed it in my dashboard. She told me should couldn't help me but would transfer it to a department that would contact me in XXXX business days. That department never called me back. I called in again last night. The first representative told me she saw the promotion but couldn't refund the interest and transferred to another department and that representative said he couldn't credit the interest fees and he didn't see where the first person when I called in XXXX submitted a case and now I would have to wait another XXXX days for it to be reviewed. I asked to escalate it and he said he couldn't and there was nothing he could do. I told him I was going to send a complaint because this is impacting me and he just apologized. Meanwhile, spoke with other department because a XXXX payment is not processing. The initial person told me she did something on the back end and to try in 5 minutes. It didn't work, so they transferred me to someone else who was supposed to help. When I was transferred they said I came in unverified and wanted me to give my full account number or ssn to a live person which I told them I wasn't comfortable doing can I type it in. The he said they were closed and if he put me back in the queue I wouldn't get anyone. I asked if I could file a complaint or if someone could call me back and he said they have 20 XXXX for returned calls and that is ridiculous. Now, I'm back on the phone in the morning for another 30 minutes after being on the phone for an hour last night getting the run around and being routed to the wrong places and the multi level verification that only has limited options. This has been an awful customer service experience all around.
Product: Credit card

I recently opened a XXXX XXXX AMEX card. I use it for personal and some business charges where appropriate. I travel often with XXXX and it seemed like a good fit. Unfortunately, the customer service and transparency that AMEX has historically been known for is not what I recently experienced. 

In my second month as a card holder, I received a late charge on a payment, which surprised me because I thought I had set up autopay correctly, which apparently I hadnt. The day I saw the charge, I paid the statement balance in full, set up autopay ( correctly this time ), and reached out to customer service. The agent was understanding and kind enough to waive the {$29.00} late fee and informed me that everything was taken care of. That was on XX/XX/scrub> 2025. 

I noticed this morning ( XX/XX/XXXX ) that I was charged a {$210.00} interest charge on XX/XX/XXXX, based on the statement balance ( more than {$8000.00} ) that I paid off in full on XX/XX/XXXX. I was surprised that the service agent I chatted with last week wouldnt inform me that I should expect to see that charge after they said everything was taken care of and they understood my situation. 

When I reached out today to AMEX support, I was told that there is nothing that can be done, and that I need to pay the interest charge. It surprised me as I thought the agent understood my issue and that all was resolved last week after reaching out, paying the statement in full, and correctly setting up auto pay. Both the agent, and their manager were unable to provide any additional guidance or support.

I asked to speak with a manager and was left on chat for 15 minutes with no response, aside from, please bear with me while I look into this. 

Please feel free to contact me at any time. Thank you for your time.