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

We had made a {$500.00} deposit into the banks ATM on XX/XX/year>. There was a problem with the ATM XXXXm assuming because the money was not credited to the account. When going in and speaking to them they say there is nothing they can do until XXXX XXXX. So I am without my funds for two to three days. I live paycheck to paycheck and need my funds. I called customer service and still no help. The banks ATM took my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I mailed a certified dispute letter to LVNV and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 1200 complaints on CFPB they also have over 100 complaints with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX, and XXXX is govern by 15 USC 1681. And they have violated my rights numerous times! I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give them permission to furnish these accounts. 
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC section 604A section2 it also states a consumer reporting agency can not a account without my written instructions. I also sent each XXXX and investigation letter to verify everything on my consumer report was 100 % accurate if not to delete the account and they did not do it. 

I also sent a second letter letting them know that they did not a proper investigation to verify everything was XXXX percent accurate and showed them proof they are now willfully violating the fcra keeping inaccurate information on my consumer report I want it deleted
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX  XXXX # XXXX date opened XXXX XXXX, XXXX XXXX  XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX  XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX  XXXX acc # XXXX date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  acc # XXXX date opened XX/XX/XXXX XXXX  acc # XXXX date opened XX/XX/XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX  XXXX # XXXX date opened XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX # XXXX date opeend XX/XX/XXXX XXXX XXXX. XXXX # XXXX date opened XX/XX/XXXX XXXX
Product: Credit card

XX/XX/year> I signed up for the Capital One Venture Card which has an annual fee of {$95.00} and a sign up bonus offer where I have to spend {$4000.00} in 3 months to get XXXX points. Because I am at my XXXX location, I asked that the card get mailed to my XXXX address. As part of this application process and approval, I was asked to submit my government issued ID online to prove my identity. 

XX/XX/year>XXXX  I finally received my credit card in the mail. There was a lot of back and forth where I was on the phone with Capital One on sending the card to the correct address. This in of itself was very painful. 
My new card is locked and goes into " Restricted '' status because of potential fraudulent activity. I call Capital One, and they tell me I have to submit documentation proving my identity online. I immediately submit the documentation the same day ( US issued Passport, Birth Certificate, Social Security card, Driver 's License, and Proof of Residence which is my XXXX XXXX  statement ). I am told it will take 10 business days for them to review the documentation and get back to me. 
They never called me to follow up like they said they would. I tried the card on XX/XX/XXXX to see if it would work, and it seemed to work fine, but without notice from the company. 

XX/XX/year> My card goes into " Restricted '' status again, and I am asked to call Capital One. I call them and they tell me that I have to submit the exact documentation again to prove my identity. 

XX/XX/year> I call Capital One to get status on my card, and they verify the documents with me over the phone. They conference call XXXX XXXX  on the line to validate my residence and address with them. They proceed to tell me everything is fine and that my identity is validated. I can use my card again. 

XX/XX/year> My card again goes into " Restricted '' status. I call Capital One once again, and they tell me exactly what they've told me the past two time. I have to validate my identity and they are asking me again to submit the exact same documentation I've submitted to them two times already. This will be the 3rd time I am asked to submit my Driver 's License and my Proof of Residence online. 

XX/XX/year> I call Capital One and they tell my I have to wait 10 business days for any updates, and that they will call me. 

They have never called me and I have lost faith in this company. I can not use the card. I have been charged {$95.00} and want my money back, I will not be able to meet the Sign Up Bonus offer on spend at this point because the card is unusable. I would like compensation for my troubles.
Product: Credit reporting or other personal consumer reports

Contacted fraud rep stated that no matter if they were not mine they dont remove even if fraud 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX ****, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, US DEP ED XXXX, US DEP ED XXXX, XXXX Original Creditor : ) XXXX XXXX AES/NVI/JT  XXXX, XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a compilation fraud thing someone have stole my information and have be using it to get credit card and car loans in my name, address listed on my credit report Im not aware of and also hard/ softy inquiries Im not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person I am a living human being I have rights under 15 USC 1681. 
Equifax is governed by 15 USC 1681. 
They have violated my rights Numerous times. I demand the account below be removed from my credit report because. 
According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnished this account. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Only on my Experian credit file, it shows I have a late payment for a XXXX  XXXX XXXX ending in XXXX that I have closed and I know I made a final payment before it closed. The late payment only shows on my Experian and not my XXXX or XXXX credit report. I do not believe this is fair because I have never had a 30 day late payment on any of my credit accounts. I have dispute the results with Experian and they have told me that the missed payment is correct even though it is not. After that I have called XXXX XXXX customer support and they have confirmed with me that a payment has been recieved. I was then informed to send a letter to XXXX XXXX which I have and received a letter stating that the missed payment is still accurate. I don't know what my options are now to get this removed.
Product: Debt collection

There is a debt collection agency entitled NAR Inc appearing on my credit report that is significantly hurting my credit score. This charge showed up as a result of identity theft which has been verified by both the credit agency and NAR. NAR has indicated that I do not owe them any money but have not removed the account from my credit file which is impacting me significantly.
Product: Mortgage

Ocwen Mortgage is incorrectly reporting my credit history. They show XXXX accounts on my credit report when I have had only XXXX. They show late payments that they had agreed not to show as part of an agreement. I have informed them several times and they refuse to correct it which is a violation of FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX XXXX, 1997, Filed ( XXXX No. XXXX ) as well as a violation of the precedent set by the XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I told you people I didnt live at that address. I did that through the CFPB you ignored me telling you that and XXXX information about me to a third party. I had one of my old neighbors, contact the individual that lives in that unit and told him if they received anything for me to please return it to the original sender via certified mail, and I would make up the cost. I have proof, I also have proof you were told I didnt live there anymore. Not very smart of you attached you will find screenshots of my complaint to you through this agency that said I didnt live at The minute you sent something to me with the name of your company on the outside of the envelope which disclosed to a third-party I have a debt you openly and frequently violated the fdcpa. Oh, and I also have a picture of the envelope not very smart.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX   XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX me and my ex husband XXXX XXXX owned properties in XXXX CA. He indicated to me that we where losing them in foreclosure. He unfortunely went behind my back and filed for bankruptcy to save the homes and continue collecting rent. I was never made aware of this. He filed joint bankruptcy paperwork without my knowledge. My next step is to file a police report with the XXXX police dept. I am unsure if he filed taxes in those years also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX I  purchased a vehicle. I obtained financing through XXXX XXXX, but recently saw that the dealership must have submitted for approval to more than one lender ( in reality they pulled NINE hard credit reports for me ). My understanding was they would submit a hard inquiry and the best rate was what we would go for. I am so heartbroken to see nine hard inquiries on my credit report, over a year later. My MAIN concern, is that 3 of them have duplicate pulls. 

XXXX ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

XXXX ran a hard inquiry on XX/XX/XXXX And AGAIN on XX/XX/XXXX. 

XXXX ( which I believe to be XXXX   XXXX ) ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

The others ran were : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have read in many places that credit reporting agencies allow hard inquiries for auto and home loans pulled within 45 to 30 days to count as one inquiry on your report, but sadly mine all show as separate pulls of my credit, nine times. This is impacting my ability to obtain fair credit across the board simply because the car dealership I selected shopped around unbenonced to me. Any assistance in how I go about removing or condensing these hard inquiries from over a year ago would be incredibly appreciated. 

Many thanks, XXXX XXXX XXXX
Product: Credit card or prepaid card

Reached out to Capital1 asking for an interest rate decrease. I currently have 2 cards with them. I have a good credit score and always make payments on time.

My request was denied. When I asked why I was not eligible they said it was because I didn't meet the criteria. I asked for the criteria. I was told by the agent that they do not have access to the criteria needed for an interest decrease. How am I supposed to play the game if I do not know the rules, and the person representing the company also does not know the rules. 

Interest rate on card 1 ( XX/XX/XXXX ) 26.99 % Interest rate on card 1 ( XX/XX/XXXX ) : 28.49 % Interest rate on card 1 ( XX/XX/XXXX ) : 31.99 % How is that not an " unfair rate increase ''? ( CARD Act of XXXX ) Interest rate on card 2 ( XX/XX/XXXX ) : 29.74 % Both cards ' rates are calculated using the Prime Rate + margin so I don't understand why the rates wouldn't be the same. 

None of my questions were answered. I was never given a reason as to why I was not eligible for an interest decrease, and I was never told what I could do to insure I would one day be eligible for a rate decrease.

My credit score has only increased since opening the accounts, and so I really don't understand.

I have transcripts of my conversation with the Capital 1 Agent that I have attached.

Also, does usury caps protect me from credit card rates? I'm in NJ and there is a usury cap of 30 %. 

Thank you so much, XXXX
Product: Debt collection

There is a debt for {$3600.00} on my credit report coming from the debt collection agency Americollect Inc. I sent Americollect, Inc a debt validation letter on XX/XX/2022 to verify the debt that was appearing on my credit report. Today ( XX/XX/2022 ) I opened up my mailbox and opened up the return letter that I received from them ( that was sent XX/XX/2022 ). In the letter that they sent me there was the hospital charges bill that had procedure codes, procedure description, and personal medical information. I know my rights and I know that this is against HIPAA violations to do so. I specifically asked for the validation of the debt and not my hospital charges/charge descriptions/info that is against my HIPAA rights. Initially, in my debt validation letter I had asked to just have the debt cleared from my credit report. I'd still like to have the debt irradicated and if Americollect Inc can't clear it, then I will have to take legal action for having my HIPAA rights violated. 

Thank you.
Product: Prepaid card

I was first prevented from using my card or even able to take funds out of my account that was funded from unemployment PUA. Card would get declined and unable to access fund withdrawal from ATM. When I called, US bank reliacard they said, account funds were taken back from, PUA unemployment. I called PA Unemployment and they said that their agency did not do what US Bank claimed and that the issue was with US Bank, not them. After speaking to Unemployment and learning that their agency did not have any parts of taking my funds back I called US bank XX/XX/XXXX  and received a different answer which was US Bank sent back funds to unemployment due to not verifying identity within timeframe. Claiming PA unemployment was sent aprox {$15000.00} from my account by US BANK. When I called unemployment they looked up my information in their system, which was the only recipient depositing funds to Reliacard account, they did not find any red flag that suggests their agency took back funds, nor did they receive any funds back from USBANK in connection to my name. PA Unemployment said that the matter is with USBANK as they denied requesting or receiving back any funds that were issued to my reliacard account. After giving USBANK the PA Unemployment 's response to their claims, I am no longer given any further answers. When I currently call USBANK customer service either say that they aren't trained in the dept to handle my call and transfer me to another dept, which automatically ends call, or I am told that they can't find my account information. No explanation of any merit has resulted from communication with USBANK when seeking the reason {$15000.00} funds have been removed from account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried fixing this several times and TransUnion has not responded and has not fixed the issue and my personal information section. Which is mis-leading and its to much fraud stuff going on to have this wrong information on my file.
Product: Debt collection

Account name XXXX XXXX XXXX XXXX XXXX OF THE XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2013 This is a medical bill that I was unaware of and went to collection. I have written the company, but received no response. Every month they add amounts to this debt. I have contested this, but have gotten no resolution. This is not an interest bearing account and insurance should had paid this. Regardless, I will pay the original {$330.00} once I have the companies agreement that this is the amount and the account will be taken off my credit report. I have never received anything from the company or the original company that insurance did not pay this. I only learned after it was reported through pulling my credit report and the amount increased.
Product: Debt collection

As of XX/XX/XXXX Portfolio Recovery Associates, LLC has been contacting me by phone & mail, telling me that I owe them {$760.00} which I never borrowed from them nor anyone else. They say that they had bought this debt from XXXX XXXX which i already proved that it was a case of identity theft & that there weren't anyway that this debt was of my own actions. I was incarcerated for almost 2 decades which started in XX/XX/XXXX. The said debt had started in XXXX & i didn't get released until XX/XX/XXXX. 
Again, i've already proven this fact to XXXX XXXX w/ my release papers. This is an unlawful act on part of XXXX XXXX as a seller of a debt that resulted from identity theft, & an unlawful act on part of Portfolio Recovery Associates, LLC as buyer of such debt.
Product: Debt collection

On XX/XX/2018, I received a phone call and voicemail from XXXX XXXX stating she was attempting to contact me to locate me from the civil litigations department, and they were sending a couier to my place of employment within 24 hours if I did not contact them, and there would be a case filed against me resulting in a judgment. This same message was also left on my husbands voicemail as well just 2 minutes after calling me. When I called the number back I spoke with XXXX XXXX who stated she was a representative with an attorney 's office, and I asked her if she worked for the State of Texas Attorney 's office since she was calling from an XXXX number and she told me she did. I asked for the name of the attorney and was only told there are several attorneys in her office. So I asked for the name of the company, and she state United Recovery Solutions to which I replied this is a debt collector. I told her not to call again and send all correspondence through the mail. My husband not knowing what was going on returned the call on his voicemail and without verifying ANY information except his phone number proceeded to speak to him freely about the alleged debt, and told him they were sending a courier out to serve me with papers at my place of employment. Shockingly no one ever showed up. On XX/XX/2018 I called this number back and spoke with XXXX who informed me no courier would be coming and asked if I was aware there was a notice to appear filed against me. I told her no because I was never served any papers. She asked if I would like this information over the phone. I told her no I would like everything in writing. She immediately hung up the phone. Throughout the day on XX/XX/2018, I spoke with several people in this office and recorded all conversations. Several times I was hung up on, and put on eternal hold as soon as they heard my name. Every time I called back. When I asked for a physical mailing address the phone would " break up '' only then and with each person ... I was denied a full physical address. I requested a letter in my email from this " company '' and even the letter head does not have a complete address.