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

On XX/XX/2023 at approximately, XXXX, I talked with a representative by the name of XXXX XXXX Capital One. I called to verify that the XXXX XXXX fee would be covered with my type of Capital One Venture card. The representative assured me that the charge would be covered. The charge is {$100.00}. He stated that it normally takes 1 to 2 billing cycles to be credited to my account. On XX/XX/2023 a purchase was made for XXXX XXXX which was in the amount of {$100.00}. I called Capital One on XX/XX/2023 to ask about the credit and was told by XXXX a Senior Account Manager in the Customer Resolution department located in XXXX, FL that they would not honor the {$100.00} as it is not a benefit of my card. He gave his Employee ID # XXXX. I explained that I was told by their representative that it was a covered benefit, and asked him if he could retrieve the call. He stated that he had seen a call and it was 13 minutes long, therefore he would not listen to it, and could not escalate it to anyone to listen to it. He said he would give a credit of only {$78.00} which is for TSA Pre-check, but would not do the {$100.00} for XXXX XXXX. I told him that was not fair as I was told by a prior rep that the fee would be covered. This is unacceptable that they have proof of what was discussed, but will not honor what their representative said would be covered. That was the purpose of my original call to verify the full charges would be credited by Capital One. Please help rectify the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The last letter I sent to Experian was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess Experian is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. I also reach out to the furnishers and they agreed to not report the accounts on my file. What else should I provide? Did I miss something? Again, I am a victim of IDENTITY THEFT and I do not remember having these accounts with these companies so please DELETE these damaging accounts from my file IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

I have been trying to re-new my income-based payment plan for almost six months. My old plan expired. Six months ago, I mailed in the application with a signed letter claiming my income as instructed. When I never heard back after a few weeks, I called them and they said that I had " checked off the wrong box '' so my new plan could n't be processed. They told me to check off the right box and re-send the plan in. But, when they transferred me to another department, that department said that I had checked off the right box, but that they needed better proof of income ( which I could n't provide since I was an independent contractor at the time ). They said they could n't help me further, and I was really confused. Flash forward to three months after that, I got a new job with an offer letter that I could use as proof of income. My loans were in deferment this whole time ( as they hand out deferments like candy because it only means more money for them ). I decided to try to fill out the online income based application on the federalstudentloans.gov website. I fill out the form then get a series of conflicting emails saying that I both was and was n't approved, and that the next step should be to upload the proof of income. So i decide to upload the offer letter responding to the latest email, but it 's been like crickets since then, I have n't heard from them and this was over one month ago. I do n't know what to do because my hope that my plan will get processed is completely gone at this point. Why do they seem to have so many problems?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance XXXX Balance updated XXXX XXXX XXXX Original balance {$2.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2700.00} past due as of XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$400.00} Balance updated XXXX XXXX XXXX  Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$400.00} written off. {$400.00} past due as of XXXX XXXX 
Status updated XXXX XXXX  Past due amount {$400.00} Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor-
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Unauthorized and Unrecognized Hard Inquiries from My Credit Report Dear TransUnion Consumer Relations, I hope this letter finds you well. I am writing to formally request the removal of several unauthorized and unrecognized hard inquiries from my credit report, as listed below : -- -- -- -- - XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- - XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- - XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- - XXXX. XXXX XXXXXXXX XXXX on XX/XX/XXXX -- -- -- -- -- XXXX. XXXX XXXXXXXX XXXX on XX/XX/XXXX -- -- -- -- - XXXX. XXXX XXXXXXXX on XX/XX/XXXX -- -- -- -- - XXXX. XXXX XXXX XXXX XXXX -- -- -- -- XXXX. XXXX XXXXXXXX XXXX  on XX/XX/XXXX -- -- -- -- -- - XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- XXXX. XXXX XXXXXXXX XXXX  on XX/XX/XXXX -- -- -- -- -- -- XXXX. XXXXXXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- -- - I have thoroughly reviewed my credit report, and these hard inquiries are neither authorized nor recognized by me. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the legal right to dispute any information on my credit report that I believe to be inaccurate or unauthorized. 

According to the FCRA, credit reporting agencies such as TransUnion have a legal obligation to investigate and verify the accuracy of disputed information within 30 days of receiving a formal dispute from a consumer. If, during this investigation, TransUnion can not confirm the validity of these hard inquiries or provide proof of authorization, it is mandated by law to promptly remove them from my credit report. 

To facilitate this process, I kindly request that TransUnion take the following actions : Initiate an immediate investigation into the aforementioned hard inquiries to determine their legitimacy and authorization status. 

Provide me with written documentation that proves the authorization for each of these hard inquiries. If you can not provide such evidence within the stipulated time frame, kindly remove them from my credit report as required by law. 

Ensure that all future communication related to this matter is sent to my address listed above. 

I have enclosed a copy of my credit report highlighting the disputed hard inquiries for your reference. I trust that TransUnion will handle this matter promptly and in accordance with the law. 

Please be advised that failure to comply with my request within the specified time frame will leave me with no choice but to escalate this matter to the appropriate regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ). 

I appreciate your prompt attention to this matter and expect a timely resolution. I look forward to receiving written confirmation of the actions taken by TransUnion in response to my dispute.
Product: Credit card

Although I disputed the amount I was charged and complained of being overcharged, but continue to pay my bill ... ..I was charged with late fees and interest. I complained my bill was wrong and wonder what I was being charged, because I was told XXXX thing during the opening of my account then something different afterwards ( the bill came ) and I believe I did n't owe but a few dollars, with late charges and others fees the bill is now over XXXX! I tried to resolved this, but someone kept hanging up when I ask to speak with a supervisor. I called again and was told my account is now with a collection agency and there is nothing I can do about it, but pay!
Product: Credit reporting, credit repair services, or other personal consumer reports

On all three credit reporting bureaus, XXXX, XXXX, and XXXX XXXX, numerous accounts reporting data from LexisNexis has and continues to cause great harm and injury to the Consumer 's Credit report and file. For Example, LexisNexis is reporting to XXXX, # XXXX that Bankruptcy # XXXX was dismissed, talking with the Clerk of Bankruptcy Court, she informed me from a document that the case was closed, not dismissed and that this Court does not report data to the Credit Bureaus. Also, for example, on a XXXX  report # XXXX, a Judgement # XXXX was opened on XX/XX/XXXX, stating date of last delinquency was XX/XX/XXXX, stating the account is has been delinquent since XX/XX/XXXX, which is false and these inaccuracies and many being reported by LexisNexis is causing great harm and injury to the Consumer XXXX XXXX and requires to be corrected immediately.
Product: Credit card or prepaid card

Was XXXX from having a XXXX XXXX upon discharge noticed fraudulent transactions called to disputes charges was initially told woyld take 5 to 6 mos called daily weekly until received resolution letter company denied sending letters was asked to send in copy was treated unfaidly and rudely by several employees supervisors had phone hung up on in face letter stated reimbursements only company denied sending letter and re cant reimbursement. as result became XXXX couldnt pay late fees delinquent charges and penalties
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXDisput XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute all ftc violations sent over 45 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute this account because it has been over 8 years that this account has been opened and I wanted it to be removed from my credit report. As the result, this account came back on my credit report re-aged. 

I spoke to Equifax and they told me my account can not be removed because with a {$0.00} balance I need to wait 10 years. And it is showing a new date as XX/XX/XXXX and this account will be removed from my credit report in XXXX. They re-aged my account and told me there's nothing they can do about that. 

They also told me to try and contact the creditor company and ask them to send an authorization to remove the account. 

I called the creditor company and they told me it is impossible that my account re-opened unless I applied for a new credit line which I did not. I tried to explain the situation to her which she did not want to listen, and she told me they can not remove anything. 

I know my rights and I know that they can not leave bad debts more than 7 years on my credit report and re-aging accounts are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 or my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After learning that my social security number may have been compromised in late XXXX, I initiated a security freeze with all three agencies. I have been calling them to find out how I can ensure that the freeze does not lapse. I had NO PROBLEM with XXXX ; they asked what state my freeze was initiated in and said it would expire early next month. They helped me over the phone to terminate the soon-to-expire freeze and immediately initiate a new freeze with a new 7 year time limit. 
Both XXXX and Equifax said they do not allow security freezes to expire. In each of these cases, I reached an overseas call center in XXXX. Even though I cited the Pennsylvania statute stipulating that security freezes will expire after seven years, they insisted they would not. Assuming the PA statute is in force, my freeze with XXXX  will expire on XXXX XXXX, XXXX, and my freeze with Equifax will expire on XXXX XXXX, XXXX. I am concerned that in spite of their assurances, their system will conform to the law and my freeze will be allowed to expire. I plan on calling again on the expiration date, but expect to hear the same thing.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to urgently request, for this time, the correction of the late open accounts on my credit file. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve this issue is unacceptable and constitutes a violation of my rights under the FCRA. 

I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and correct the late open accounts in my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to correct accounts : 1. DEPTEDXXXX XXXX Balance : {$6400.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
2. DEPTEDXXXX XXXX Balance : {$1100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
3. DEPTEDXXXX XXXX Balance : {$2200.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
4. DEPTEDXXXX XXXX Balance : {$6200.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
5. DEPTEDXXXX XXXX Balance : {$2500.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
6. DEPTEDXXXX XXXX Balance : {$2500.00} - Please take off the late things from this account because I think I made my payment on time. 
7. DEPTEDXXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account.
Product: Bank account or service

I am XXXX y.o. with a XXXX Checking account from Wells Fargo and debit card overdraft protection tied to my savings account. I was charge {$15.00} on XXXX for exceeding what I was told was a XXXX or XXXX transaction limit for withdrawals. That may be correct or not, I 'm not certain. What I do know is I signed up for alerts and received an email saying I was nearing the transaction limit. My complaint : If Wells Fargo can tell when I 'm nearing my limit they should be able to tell me when I 've actually reached my limit and give me the choice to exceed the limit and pay {$15.00} or simply cancel the transaction. I was not afforded that choice and do n't feel it appropriate to charge me {$15.00}. My regular balance is around {$100.00}, so I was essentially charged 15 %. I have to say, for a XXXX, that is a big hit!
Product: Student loan

1. harassing phone calls sometimes every two minutes,2.Talked to Three people once and answered questions for up to ten minutes. transferred to another person. Same questions. Transferred to third person. Same questions. 3. One phone conversation I was offered plan to pay {$5.00}. monthly for nine months and have account transferred. I agreed and asked for paperwork to verify this but they refused. 4. finally they e-mailed me a payment application which did not match the offer given me. 5. I got five different phone numbers for them and a couple different addresses. I was instructed to mail payment to XXXX XXXX XXXX XXXX GA.6. I XXXX one phone number and found numerous complaints. I XXXX bbb and found over 25 complaints where they harass, overcharge and bill and garnish for bills not owed or paid off. Reading their responses they appear to have a script for some answers and they also deny some actions and deny responsibility for others. They are slow to respond. At least one written response I made states they use scripts and I was refused a copy read to me concerning the offer made to make monthly payments..7. They charged me over {$850.00}. for two years and another bill they charged me {$130.00}. for one year.8. I do n't know if I can trust the above XXXX address and another at XXXX XXXX XXXX XXXX, TX due to all I have read about Credit Adjustments.9. My last dispute with them they said they would send a copy of my promissory note. They did and it had my name typed and not hand written.10. On checking the complaints filed with bbb.org, one dated XXXX/XXXX/17 states Credit Adjustments uses three different addresses using US Dept of Ed. I would like to settle my student loan debt but with a honest, trustworthy business. Preferably with the US Dept of Ed directly. 11. I think it was the last phone conversation they said they know I have a debit card. 12. I have paperwork but ca n't upload it here.
Product: Bank account or service

I lost my ATM Debit Card and requested not just XXXX card as a replacement, but I requested XXXX cards. I am a senior and a veteran and due to my medical condition, I need XXXX cards. Bank of America said they were unable to provide me with XXXX cards for my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTIONS XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2014 Amount : {$150.00} 1. Never had services rendered 2. Someone - else account ( not my account ) 3. Identity theft victim
Product: Credit card or prepaid card

I paid off my Best Buy Citi Card and I got a statement in XXXX which showed nearly {$3000.00} in charges I did not make to the card nor does the statements show where the {$3000.00} came from. I reported this fraud on both my secure web login in credit card portal and when I got no response or phone call I submitted a letter directly to the Best Buy Citi consumer assistance address, still no response and I keep getting bills which keep going up now over {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Called to demand deletions because the bureaus did not have consent and was hung up on. Told I was going to be transferred and was hung up on again.
Product: Money transfer, virtual currency, or money service

I was a victim of a fake Bitcoin scam I had a log on and password and I found out it was all phony I was sending my money through XXXX XXXX after buying Bitcoin and sending it to what I thought was my Bitcoin account after contacting a lawyer he informed me the company was fake
Product: Credit reporting or other personal consumer reports

please remove the following inquiries from my report. please see the following attached letters
Product: Student loan

I have been charged {$280.00} in the last 12 months for capitalized interest. I have never asked for a deferment or missed a payment in the last 12 months, yet I was charged this interest anyway. My loans were put into deferrment without my permission. I continued to make full payments while my loans were put into this involuntary deferrement. 

I wrote to Navient and asked Navient to reverse the {$280.00}, but Navient refused. Instead, in the reply from Navient, it stated that they received an update from my school and automatically deferred my loans. I never asked for Navient to do this! In fact, I dropped classes multiple times over the last year and have NEVER had XXXX XXXX student status for any entire month in the last 12 months. Navient acknowledged that I dropped the classes, but refuses to adjust the fees. The fees are equal to an entire monthly payment. 

The Navient representative told me that in the future, I can request that Navient update my account status so that school deferrment is not automatically processed. Of course, there were zero instructions on how to make this request and I do not see on their website where this is possible. 

Also, now that I am attempting to pay down my loans more quickly, Navient keeps changing my loan terms. Two times in the last six months the terms of my loans have changed -- both of which have the impact of lowering the monthly payment and extending the loan term, and increasing the amount of interest that I will pay to them. In addition, I paid two times in XXXX, the first payment was for the amount due and an additional {$45.00} and then 19 days later I made another paymnet of {$2000.00}. I expected the entire {$2000.00} would go to the principal since it was an extra payment made within 20 days of the first -- but instead I was charged {$2.00} of interest.