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

I was approved for a credit card with Capital One for {$500.00}. They mailed me the card but then blocked it before arrival and called me stating they needed to verify my identity. I received a call from a gentleman name XXXX who referenced a Fraud investigation reference number of XXXX. I called back and was advised that they needed me to email my photo identification and social security card to an unsecured email address. Not even uploading it in the account portal. 

I advised that I would not send this information to an unsecured email address but would happily go to the local Capital One location near me and present the information. So, I did. I went to the Capital One Branch location at XXXX XXXXXXXX XXXX, XXXX, TX XXXX and spoke with the branch manager who took a copy of my Tx Driver 's License and my Social Security Card and scanned it over to the Fraud team with the reference number provided by the Fraud Department. I was advised that I would hear from them in XXXX Business Days. That was XX/XX/XXXX. I had received the card a week or so before that. 

After not hearing back from Capital One by XX/XX/XXXX, I called them back and they stated they still had not received my information. However, today I received notification that Capital One has reported to all three credit bureaus that I have an open account with them. Why would you report that I have an open account with you, when I have an account that can't be used because you claim you don't have the information you need to prove I am who I am. You mailed the card to the same address on my Driver 's License, I physically walked into the closest branch to my home and presented the information you requested and I still can not utilize the credit that was approved. I have a card that is not valid but you are reporting to the credit bureau something different. THIS IS FRAUD on Capital One 's account. And I want it cleared up immediately. 

All I get from the Capital One representatives is they are waiting for the information that has already been provided. I ask to speak to a supervisor and they tell me the department that is handling the issue doesn't take calls and I can't speak with them.
Product: Credit card or prepaid card

We moved and forwarded our mail, AND WE CHANGED THE ADDRESS ONLINE. ALSO we paid off our card in the Fall. We made one new charge during this time and THEY STILL MAILED IT TO THE WRONG ADDRESS AND NEVER BOTHERED TO SEND AN EMAIL, CALL OR WRITE TO LET US KNOW WE HAD A LATE FEE, INSTEAD CONTINUED TO CHARGE US. We signed up for alerts and didn't get them. ALSO WE SIGNED UP FOR AUTO PAYMENTS AND THAT DROPPED OFF THE MAP, NO FAULT OF OUR OWN, YET THEY ARE REFUSING TO REVERSE THE NEGATIVE ( 1 MONTH LATE ON OUR CREDIT REPORT!!!! )
Product: Debt collection

I have sent Bull City Financial Solutions dispute letters and Fraud Affidavit informing them that I was a victim of identity them. I sent them this form on XXXX XXXX, 2016. Someone use my information without my knowledge. I have disputed this claim with both XXXX and XXXX and they have stated that Bull City Financial verified that the information that they are reporting is 100 % accurate. According to the laws, if the information is not accurate then they must remove this information from my credit file. In this case, this account must be removed because it does not belong to me and I have sent Bull City proof of this. I need your assistance in getting this matter resolved because I am tired of going back and forth with Bull City and the Credit Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked, through Credit Repair individuals, that my previous names and addresses be removed from my Credit Report. A company named XXXX XXXX XXXX has worked with me since XX/XX/XXXX. Previous addresses and previous married names that date back toXX/XX/XXXX continue to appear on my XX/XX/XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against the credit bureaus as well as XXXX XXXX XXXX for violating my rights as a consumer.
Product: Checking or savings account

So recently I seen that a amount of nearly {$8000.00} was taken from my account with Ally Bank and this shouldnt of been possible because for the last year I was using XXXX XXXX XXXXXXXX and I am disputing the charges with them but I have no access to any of my money so Im just trying to figure out whats going on because I have bills and rent to pay.
Product: Checking or savings account

I had a CD with XXXX XXXX, that was transferred to XXXX XXXX. I was told everything would remain the same, and for two years it did and I was very happy with them. This happiness induced me to open two more Cds with them for a total of three. The latter two CDS were opened with Goldman Sachs. My problem began when they began Using XXXX/Goldman Sachs and transferred these cds to them My problem began when in XX/XX/XXXX they changed my user name to my email address, without any authorization, and will not let me log in without sending to my email address a pin every time I want to Log into my account. I have complained to them numerous times about this problem. 

Today I filed another complaint with them and this time I insisted on a case # XXXX, with a person who said his name was XXXX who refused to provide his last name or employee ID # who said he worked in the XXXX XXXX XXXX Utah office. On the other occasions I complained they sent no written correspondence to say the complaints had been received. Today I requested a copy of my complaint and case # be sent to me. I was told sorry they can not do that. There is simply something very wrong with this situation. 

This use of email address as a user name and forcing people to accept this and logging into a site that is not secure like a bank is supposed to be is absolutely absured and not what I agreed to when these accounts were opened. 

Email can be hacked thus exposing my information to anyone that would hack or intercept an email. I DO NOT WANT MY BANK ACCOUNT NAME TO BE MY EMAIL ADDRESS, It then would let the hacker get not only information to these accounts but all linked accounts. I feel very unsafe with this institution, before they were very nice and responsible now they are HORRIBLE. Even their customer service and accessibility sucks too now.
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of 15 U.S. Code 6801 - Protection of nonpublic personal information section ( b ) 2 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Vehicle loan or lease

Request for my Title Information to be corrected with the State of Illinois I have been making numerous requests to XXXX XXXX and Wells Fargo to have my title & registration corrected. XXXX XXXX and Wells Fargo caused me to have a lien on title and now XXXX XXXX and Wells Fargo need to remove the lien. 
This is not an unusual request. It is unusual that these big companies are so uncooperative and not willing to fix a mistake that they caused. 
Time & time again I have been I have been asked to call these businesses but that will not correct my problem. I need these businesses to contact the state of Illinois to correct their mistake. 
Background : My vehicle was a Leased-Vehicle that I purchased over 2- years ago. The lease agreement was originated XX/XX/XXXX by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, Il XXXX with a phone number of XXXX. 
At present, Wells Fargo is listed on the title for my vehicle. XXXX XXXX XXXX is listed on my registration. Title information obtained from the Illinois Secretary of State indicates my car has multiple owners. 
I obtained the pay-off from XXXX XXXX XXXX I made lease payements to to While I was leasing the vehicle, What I need completed : Some business related to my lease transaction needs to contact the State of Illinois to Remove a lien. 
Visit the Secretary of State Illinois and verify the current status of the title. 
1. Visit the web page for Title & Registration Information : Title and Registration Status Inquiry ( ilsos.gov ) 2. Enter the VIN and Confirm Wells Fargo is still listed on Title 3. Follow the instructions to change the title and contact the nearest Secretary of State Facility or call XXXX with corrections to remove Wells Fargo & XXXX XXXX XXXX from my title. 

Attachments : PDF Copy of this complaint Summary document of background information Current title information obtained XX/XX/XXXX from the State of Illinois Secretary of State Recent letter from Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

this inquiry was put on my credit report illegaly by a company i have never done business and shared my personal information. i do not remember owning this account nevertheless a status appeared stating XX/XX/2019 i opened this account, it does consist with other consumer reports i have, the company is Caine & Weiner Company.
Product: Credit reporting or other personal consumer reports

On XXXX, I filed a dispute ( XXXX ) with Equifax for a lender error on my student loan account with XXXX XXXXXXXX, serviced by XXXX. I included my letter from XXXX admitting their mistake for terminating my auto-pay without notificationjust 4 months before I had paid it off on XXXX well as a promise to remove negative reporting. 

Equifax responded to the dispute on the same day by changing the " amount past due '' for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to {$0.00}, but they did not fix the payment status of months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from " XXXX days past due '' to " paid on time '', nor did they change the status of my account from code XXXX " XXXX days past due '' to code XXXX XXXX XXXX XXXX, '' and finally still have my account as " first delinquent '' in XX/XX/XXXX. 

Upon further review on XXXX, I discovered not only these unfixed errors in my " payment history '' view for my closed Georgia XXXX account, but also in my " XXXX history '' view, there are now amounts past due, balances, and scheduled payments for XX/XX/XXXX and XX/XX/XXXX, 9 months after I paid off the loan. 

I filed another dispute on that day, but was only allowed to select two of the errors ; the resolution that day was, again, to change two " amount past due '' values, but not the account status, monthly payment status, nor " date of first delinquency. '' I called Equifax and XXXX today XXXX for help. Three levels of Equifax customer representatives claimed that they have no way of making the appropriate changes per their resolved disputes, other than filing more disputes. Moreover, the ( very rude ) escalation supervisor informed me that I couldn't even file a dispute within 30 days of the prior one. XXXX 's automated system hung up on me upon entering my account information, because the account is already closed. A human representative was not able to help me for the same reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX XXXX  for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) 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 demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows in this letter above. I have reported this previously and this company replied the information would be removed back in XXXX and it is XXXX but the information is still showing on my consumer reports ( CFPB Compliant # XXXX )
Product: Debt collection

I continue to receive collection letters from a servicer that has not proven it has authority to send me collection letters.
Product: Credit card

Send large check for payment. After 6 days, I became concerned because the payment had not posted. I stopped payment on the check out of concern and called Cap One to let them know my concern. Cap one acknowledged receipt of my original check but said it not been processed. I three way conferenced with my bank XXXX XXXX and Cap One. I ask them to go ahead and process my payment to avoid any late fees. They basically said and asked me to resend a 2nd check which would make me past due. This caused unwarranted late fees and I fear a hit on my credit rating. In a nutshell they were so hateful and totaling unwilling to just work with me. I am XXXX XXXX XXXX and battling XXXX XXXX. This has caused so much unnecessary stress. I mentioned that I would potentially file a complaint with the CFPB and they essentially just laughed in my face.
Product: Credit reporting or other personal consumer reports

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable XXXX and I implore you to correct this mistake by promptly removing it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX 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: Payday loan, title loan, personal loan, or advance loan

I am attempting to pay off my loan with Tesla Financing for my solar loan.

I could not find this option anywhere on their website or app, it is not there ( despite the instructions that say you can find the info on the app- it is absolutely not there ). 

I chatted with Tesla support and they gave me the phone number for Tesla Financing. I called the phone number and they indicated the only way to get help was to email Tesla finance to get instructions to pay off the loan, which I did on XX/XX/scrub>XXXX XXXX XXXX I received a canned email that pointed me back to the phone number I had already called, who already said they could not help me with a payoff, and they sent me a link to an online page which did not include instructions to pay off the loan. 

I emailed Tesla finance again on XX/XX/XXXX, letting them know I wanted to pay off my loan, and neither the phone number or email support had given any information on how to do this. 

10 days later, on XX/XX/XXXX, I emailed again because I had not received a response. 

On Tesla 's website, there are " statements '' which do not include a loan balance or percentage rate, and on the " terms and remaining balance '' section of my account, there the APR is listed and the end of term, but NO BALANCE. 

I am utterly dumbfounded how anyone providing loans could operate without letting customers pay off the loan. 

I expect clear, immediate instructions, including my payout amount, and I want to be compensated for the 2 months interest and payments I made while trying to pay this loan off. These practices do not even remotely comply with the truth in lending act.
Product: Credit card or prepaid card

On XX/XX/2022 I received a bill from Capital One for {$39.00} for a charge I did not make. 
I also contacted the vendor, who agreed with me. 

On XX/XX/2022 I mailed a cover letter with pertinent bill copies to Capital One c/o " Disputes '' ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX. 
( Copies Attached ). 

On XX/XX/2022, I received a bill again, this time with a late fee, now totaling {$65.00}. I immediately sent another cover letter with pertinent bill copies to Capital One c/o " Disputes '' ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX. 
( Copies Attached ). 

On XX/XX/2022 I also sent a personal check for {$65.00} to Capital One in order to maintain my excellent credit rating ; done under duress. 

I was informed today that they did not receive my check. 

Capital One has ignored me completely on this issue, with nary a word or correspondence from them whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion have been reporting fraudulent accounts under my name XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX These are fraud, I didnt benefit, apply for, and authorize these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope this disputed account is removed. 



XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 my personal bank accounts were levied by Attorney XXXX XXXX for CashCall , Inc. All of my money, totaling {$2100.00}, was seized by a judgement gained against me in XXXX County Superior Court . My bank, XXXX XXXX, notified my after my money was seized in writing of this judgement, stating that, " by law they were required to deduct money from my account and they may withdraw money in the future in response to the legal order. ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX Please ensure that all information is accurate DEPARTMENT OF TREASU Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX CXXXX XXXX XXXX  Account XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX XXXX XXXX Account Number:40**** Please investigate and delete it from my credit report.