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

I called Capital One Bank on XX/XX/2021. 
I spoke with with customer representative and told them I want to be removed from their email and mailing list. I told the customer representative I don't have an account and I don't want to have an account. I told the customer representative that that Capital One Bank is harassing me. I said they are sending me letters every two weeks ans they are emailing me constantly. The customer representative then asked me for my social security number. I told him no. I said I want to speak with your supervisor. I told the supervisor the same thing and informed him that the customer representative was asking for my social security number after I told him I want to be removed from the emailing and mailing list and that I don't have an account and I don't want an account. The supervisor told me he was checking to see if I had an account. I told the supervisor that's not what he said or did he even asked me if I had an account. The supervisor said he will transfer to their technical team. I told the technical person on the phone to stop sending me emails and mail that is asking me to join them. I told they sending me mail for about two months straight since the date of called every two weeks. I told in the letter they said they ran my credit and I quality for a loan. I told them I don't know how they got my information. I told them I haven't tried to get any loans so they shouldn't have my address or my email. I told them they keep emailing me and I asked them to stop. I was informed to do a removal of my information over the phone and I was asked do I have time now. I said yes. They said they did a removal but I am still getting mail. I am feeling harassed. I do not want to be apart of Capital One Bank. Can you please help to stop them for sending me mail and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX XX/XX/XXXX {$220.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 611 ( 2 ) ( a ) states the credit bureaus have 5 days to notify me from when they receive my disputes.

15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union hasnt been reporting any credit and has no credit history under my social number. Ive called and they said theres nothing they can do because theres simply no one reporting any credit at all to them. This is now interfering with me getting a auto loan because they are the only XXXX who saying I dont have any credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX do have a hard inquiry on my credit from XXXX of bmo harris bank thait is fraud that I did NOT authorize by any manner. I have talked to the bank on 3 occasions and they have not removed it. I do not and have never had acct with this company by any means. this is a fraud attempt that they refuse to contact the credit reporting agency to have it removed. XXXX XXXX will not remove without bmo harris bank stating to remove the inquiry dated XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a 609 requesting verification of a debt that is not my account with XXXX and TransUnion. Both agencies failed to verify the debt and in return the collection agency mailed me a fraudulent statement with an incorrect name, address and dates that can clearly be proven to be incorrect. I have disputed this account several times with no success of the account being properly verified, validated and/or deleted from my credit report. Both agencies continue to state that the debt has been " updated '' and that " account is disputed, consumer disagrees ''.
Product: Student loan

I have been working towards Public Sector Loan Forgiveness ( PSLF ) for the past 10 years. I have engaged in qualifying employment for 120 months as of XX/XX/year>, satisfying the requirements of PSFL. In XX/XX/year>, I submitted a Employment Certification Form ( ECF ) via studentaid.gov in order to have the remainder of my loan balance forgiven under PSLF. That ECF was processed in XX/XX/year>, and I was determined to only have 115/120 qualifying payments toward PSLF, with the months of XXXX XXXX  not qualifying. After that determination, I submitted a Request for Reconsideration via studentaid.gov in XXXX of XXXX, seeking the months of XXXX to be considered qualifying months. Studentaid.gov failed to respond to that request, and instead suggested I submit a buyback request to buy back months of employment that did not qualify because I was placed on a mandatory SAVE forbearance. I subsequently submitted a buyback request in XXXX XXXX, and re-iterated my Request for Reconsideration to have the months of XXXX through XXXX count as qualifying months. As of today, I have not yet heard from studentaid.gov regarding either the buyback request or the renewed Request for Reconsideration. 

To put it bluntly, I am in PSLF purgatory ; I have qualified for forgiveness, yet studentaid.gov has not yet processed my buyback request or renewed request for reconsideration. Until they act on those two things, I am unable to avail myself of loan forgiveness I have earned, and am entitled to, under PSLF.
Product: Checking or savings account

Bank closed my account without warning and without reason, and has not reimbursed me for the remaining balance.
Product: Credit card or prepaid card

I applied for a Target RedCard and I was using it fine until this week and when I tried to place an order on the Target app it said there was an issue with the card. I called the number on the back of the card and I talked to a representative that told me I should fax or mail in a copy of the front and back of my driver 's license, the front and back of my signed social security card, and a copy of bank statements.

I have never had to send my personal information to any credit company in any company and just the thought of faxing over my personal information to some random person who I never talked to or have a reference to track back to is ridiculous. Therefore Im filing this complaint in hopes that this ridiculous motion is known.

When I asked what is the issue on why my card can not be in use they said they didn't know and it wasn't their department. Calling in there's no option to find the right department.
Product: Checking or savings account

In XXXX of XXXX, my checking account was frozen due to my banks inability to verify unemployment checks. Then after speaking with the bank I was told that the only way I could have my account reopened would be to have the issuer Employment Development Department come with me to my nearest bank with two forms of identification to verify my checks or it would be closesd. A bank manager at the XXXX XXXX XXXX, California branch then attempted to help me by speaking with corporate to no avail. Two weeks after my account was frozen I was then informed that my account would be closed. I then was informed by the bank that my account was closed as of the XXXX of XXXX, XXXX  and i would receive my funds with 10 business days. It is now the XXXX of XXXX, XXXX and I have still not received my funds. I have incurred late payment fees, I have had credit card accounts closed, and I have not been able pay my bills because all of my funds within my account are missing and unaccessible.
Product: Student loan

Recently, employees of DOGE hacked into the financial database of the Department of Education and had access to my private information. The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA. Your responsibility is to safeguard my information.
Product: Money transfer, virtual currency, or money service

They're not verifying my account and I've been waiting for over 72 hours for thus
Product: Money transfer, virtual currency, or money service

Coinbase suddenly restricted my account around 1.5 weeks ago without any explanation given. I did not violate any rule and only used the account to purchase assets for myself using my own funds. I now do not have any access to my funds or assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a credit score of about XXXX ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. 

I see several inquiries from XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ). 

I only allowed the XXXX XXXX dealership associate to make 1 inquiry.

I also see I have an additional 2 hard inquiries from the following dates : XXXX XXXXXXXX ( Bank ) XX/XX/XXXX SYNCB/XXXX ( Bank ) XX/XX/XXXX 2022
Product: Payday loan, title loan, personal loan, or advance loan

I have never been late on this personal loan. I started paying an extra amount of money on the loan with my payment or on another day of that week it is due. They are taken out interest on that extra money even though I paid my amount due on time. I called them twice and each time they stated no matter when I paid extra on the loan they will take out the interest on and lower that amount I put on the loan at that time. Now when I pull extra money on the loan it's stated I'm paid ahead until XXXX. Can they do that : taken interest out of extra money that should be applied to the principal and can the add it to the next month payment?
Product: Debt collection

Hello, I was in the process of getting financed for a loan when this account appeared on my credit from Apex Asset Management - Account XXXX XXXX. I immediately reached out to them and to date- I have not received a response back however the account was verified as being my debt according to XXXX  CREDIT Bureau . I never was informed of the debt before it was placed on my credit
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have the right to privacy as well as they have the responsibility of reporting with fairness.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] section 604 A section 2 : Also states a consumer reporting agency can not furnish a account with out my written instruction 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

Issue with XXXX order from cvs I ordered XXXX XXXX ale diet XXXX pack I ordered XXXX XXXX XXXX XXXX XXXX pack Instead I received non diet versions for all the XXXX packs XXXX a diabetic I cant drink these I expressed my frustration with XXXX  support They told me they attempted to issue a reorder but were unable to They then submitted refund request which was then declined by XXXX So now Im left with soda that Im unable to drink Im left without the product I ordered originally Im asking for a dispute to be opened on my behalf Ill go ahead and call discover XXXX if unable to submit a dispute through here I just figured Its best to explain situation over email/text then over phone Since I might forgot to add all details of issue Customer asking for dispute to be opened Transaction name XXXX XXXX CVS XXXX XXXX Amount {$54.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer reporting to report as of XXXX XXXX. I was a named plaintiff in the Santander multistate lawsuit. They are not allowed to report on the accounts from XXXX - XXXX. I am asking to have the late payments removed from my credit. I opened a dispute and they chose to update information rather than delete. 
Please remove late payments and the account from my credit file with Santander Consumer USA.
Product: Credit reporting or other personal consumer reports

To whom this may concern, Hello! I am attaching a FTC report containing 5 fraudulent accounts. I am submitting this two XXXX XXXX  to block the 1 account attached to this CFPB report as well as remove the address listed in the FTC report. 
I have attached 2 accounts in the FTC report to XXXX which are fraudulent accounts in lieu of FCRA 605B to be blocked from my XXXX report. 
Last I have attached two accounts with Equifax which were recently blocked and appeared back on my Equifax credit report without any kind of notice to me. Those two accounts are fraudulent per FCRA 605B and should be blocked from continuing to be reinserted unto my credit report.
Product: Debt collection

I believe that this company is in violation of federal consumer laws by assigning a unverified debt that I have no knowledge of I have due to the inaccuracies it has lowered my credit score and Is deformation of character
Product: Vehicle loan or lease

The car was over priced and then Repossess after a period of time then sold then I was left with a balance and the car wasnt even worth the price
Product: Credit card or prepaid card

I got a credit card with homedepot when i was buying a new freezer. They promised XXXX dollars off. The card only had a XXXX dollar limit and the freezer was XXXX. To get the XXXX dollars off i had to spend XXXX. I bought some more stuff but nothinh went through so we had to call customer service. Someone called and was goimg to fix the card but then they said the systems were all down. This is while i was at the store waiting. Everytime i called back they said the system was down huge waste of time
Product: Debt collection

Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. 

On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. 

First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. 

For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : CAVALRY PORTFOLIO SERV ACC # XXXX CAVALRY PORTFOLIO SERV ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
Product: Student loan

Hello. I am having trouble with student loans which I believed to be under the loan forgiveness repayment plan. I have been making payments for almost 5 yrs and am just now being told that the repayment plan Im in is not compatible with loan forgiveness. 

I had a XXXX and in 2007 went back to school for my XXXX. I was divorced with children and all that entails, and at the time of graduation I had approx. {$100000.00} in federal and approx. {$120000.00} in private loans. I heard about the loan forgiveness program through the XXXX for nurses in qualifying institutions, had my loans consolidated and was told to choose a repayment plan. ln order to ensure that I chose the right repayment plan, I had someone from XXXX on the telephone, guiding me in my choice, to be absolutely sure that I made the right choice. She told me to choose from XXXX payments, XXXX of which was the standard repayment plan-fixed. The others were income contingent, graduated repayment, and extended repayment. She told me that after I had made XXXX payments I could apply for loan forgiveness. During this time my loans have been transferred to different servicers. At no time, until this latest transfer have I been told that I was not in the proper repayment plan. The current servicer has informed me that I am not in the proper plan, that none of my payments so far ( approx. {$50000.00} ) will count toward forgiveness, and that if I now want to be in this plan my payments would increase to $ XXXX. I have no paper trail for the original advice that was given me, as it was via telephone. Was this representative misinformed? Was she a government employee? She worked for the XXXX is all I know. These loans at 7 % have only decreased to approx. {$100000.00} in 5 yrs. though lve paid {$50000.00} I could see this only slight decrease but my thinking was in another 5yrs ( XXXX payments total ) I would have basically paid off the loan anyway and they would really only be forgiving the interest. I am enclosing a couple of relevant documents, XXXX of which says that I am eligible for loan forgiveness, XXXX stating I am not in the proper plan because it is standard -extended. I am also including my original promissory note, pgs XXXX and XXXX which outline the terms and which also state I am in the standard plan, not standard extended as my current servicer insists. My initial payment plan of {$720.00} lines up with the standard plan also. 

My other issue is that the government claims it is helping grads get out of student loan debt, yet the way the 7 % interest is calculated, it is NOT helping those of us who are making our payments every month, on time for years. Again, lve paid {$50000.00} on a {$100000.00} loan with only a decrease to {$100000.00} in almost 5 yrs. t am XXXX XXXX XXXX, I will not be able to make this $ XXXX payment for another 15yrs. I have used any extra money to pay off my private loans and am getting close to that end, but because of this have nothing for retirement. Add mortgage, car payment, kids, college etc etc,. I really need some help with this, I need a champion
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint regarding inaccurate delinquency reporting on my credit file related to my student loans. XXXX incorrectly reported my loans as delinquent in XX/XX/year> to all three major credit bureausExperian, XXXX, and XXXX. This reporting is inaccurate for the following reasons : -My loans were in forbearance, meaning no payments were due at the time. 
-The loan balance was transferred from XXXX XXXX XXXX ( a federal student loan agency ) in XX/XX/year>, meaning XXXX XXXX longer serviced or owned the loan at the time of the reported delinquency. 
-I have no recordelectronic or papershowing that any payment was due for the reported period. 
-There is no documentation indicating that I was required to make payments on the dates associated with the delinquency. 

Since this erroneous reporting has negatively impacted my XXXX XXXX, I request CFPBs assistance in investigating this matter and ensuring that these inaccuracies are removed from my credit report. I ask that CFPB hold XXXX and the credit bureaus accountable for reporting only verifiable and accurate information per the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this issue. Please keep me informed of any actions taken regarding my complaint. 
Thank you.
Product: Student loan

XXXX promised me they would help me find a job if I ever needed help. They never helped and out out of business. Stuck with school loan for 21 years now. Maintained job that doesnt provide enough to help me pay it down. They added another XXXX to it some how thru there tactics. Not sure how to prove that as I cant find where they upcharge me ect. I still owe XXXX with a XXXX interest rate, there is no covid relief for a school that no job considers a school anymore. They just tell me there is nothing I can do about anything when calling them. Loan type FFELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiry on y consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights. Pursuant to 15 USC 1681 section 602 ( a ) states I have t
he right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2019-XX/XX/2020 for XXXX days late. 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.