23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked really hard at turning my credit around and I finally got my credit to a fair instead of very poor and applied for a capital one credit card. Two weeks after using it transunion reported to credit karma and my score dropped 126 points, not to mention my bill wasn't due for 3 weeks or better. When calling capital one they say its transunion problem and to call them. Iv called 3 times now and they won't give me an answer. I was lied to by the second guy and was told I dont have a capital one card and it was a collection from XXXX & XXXX. Later in the conversation he said I had a balance for capital one? I said I paid it in full 3 weeks before due and I have no collection whatsoever and which is it? I dont have a capital one or I have a balance and he simply ignored me. Still dont have an answer why XXXX point drop for using the card. I shouldn't be punished for using my first card and wonder how many people they are doing this to? Very sad, very angry. My life dreams are on hold because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been charging me a subscription fee for 2 years and I can not access and have been locked out of my account. I can not use equifax and they are committing fraud by taking a fee for a service that is unusable and I can not get it corrected.
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THTA THERE ARE FRAUDULENT ACCOUNT ON MY REPORT, PLEASE REMOVE THOSE FRAUDULENT ACCOUNTS FROM MY REPORT, BECAUSE THEY ARE HARMING MY ABILITIES TO OBTAIN CREDIT.
Product: Credit card

I have been trying to cancel a membership with a XXXX that refuses to cancel my membership. This has been going on since XX/XX/2023. I am being charged {$170.00} XXXX XXXX since. Since the gym is refusing to cancel, I contacted capital one to block the company ( XXXX XXXX ), but they said I can not do that because it does not show as a reoccurring payment, apparently I am charged as a monthly payment. (? ) Therefore, i was told to cancel my card and receive a new one. I did that as that was their recommendation. however, the following month I was charged again. I called back and they said, oh they are set up to continue payment even if I get a new card, so they needed to shut that switch off and issue me a new card. they did that then I was told to do a dispute. So I talked to the dispute people and they were going to work on it for me. the next day I was credited {$1400.00} for the transactions that went through. I assumed everything was good. Then approximately a XXXX  later I receive an email about the papers not being filled out and the money would go back on my account. I quickly called capital one and the lady I spoke to told me if I get the papers in that day I will be good. I was on the phone with here for XXXX hours and submitted everything to her satisfaction. The next day or so I received an alert that my account was overdrawn. I use this card as a recurring payment method for house bills, so there is always a balance on it. When I looked they put all the money back on my card so, yes I was overdrawn by the {$1400.00}. I called and the lady I spoke to basically said everything was overlapped and the money will come back out, she even requested to expedite the process. about XXXX XXXX or so later there was a new letter on my account that stated my dispute was denied and if I want my money back I need to work it out with the business. I called them again and they stated they called the gym and the gym told them I had never tried to cancel. now, I showed up up to the business numerous times and many times they were supposed to be open no one was there, I would call and could never get anyone to answer, and I left numerous voice mails and was never called back. when I did get lucky to find someone there no one knew how to cancel the membership and they would have someone else take care of it. After all this I was able to track down the owners number and I spoke with them via text and they stated that they will take care of it and will let me know. I still have not heard back about it and I have received alerts stating that the payment was denied due to my credit card being overdrawn. I feel as if the credit card company did not want to deal with the dispute and I even question if they spoke with someone. Moreover, even if they did, I am in shock they they take their initial word over their customers word and did not even try to look into it more. now my credit will be impacted due to their negligence and I can't even afford to pay and have the payment taken down below the credit amount.
Product: Credit reporting or other personal consumer reports

Paid to delete on my account and it was never deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have this account under investigation this company is not following the CFPB rule and Guidelines, Truth In Lending Act rules and Guidelines, The U.S.Codes and or Del Law under Title 6. They have Committed fraud willingly and knowingly with XXXX XXXX XXXX. Attached are what they have done in depth. As this account is under investigation/ dispute this company is still reporting to the CRA and are still sending me Fraudulent Statements. This company disclosed nothing to me. This company has no License to do business in my state ( DE ). They are not backed by any government agency in the USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

I have had nothing but problems with payment on your account, the issue appearing to be on your end. The last 3 times I have paid my bill in full through my XXXX XXXX bill pay, you call me stating you did not receive payment. Then I get bills showing two payments received and one returned. The last time this happened, I closed the account. 

My phone log indicates I called you at XXXX XXXX  on XX/XX/XXXXXXXX  for the first issue ; at XXXX XXXX. on XX/XX/XXXXXXXX  for the second, and this last purchase indicates calls from me to you on XXXX, XX/XX/XXXX, at XXXX XXXX., follow up calls on Tuesday, XX/XX/XXXX, at XXXX XXXX, XX/XX/XXXX at XXXX XXXX., and today, XX/XX/XXXX at XXXX XXXX. 

Name : XXXX XXXX XXXX Account # : XXXX Dollar Amount : {$62.00} Description of Problem : This last purchase, I received the bill for {$220.00} and processed the payment through my XXXX XXXX bill pay with payment being mailed XX/XX/XXXX. 
I received a call XX/XX/XXXXXXXX  stating payment had not been received. I was moving that day and did not have access to my info. 
I called back on XX/XX/XXXXXXXX  and made a payment by phone for {$220.00} and I called the bank to stop payment ( however, it had cleared the bank ). 
I then received my bill ending XX/XX/XXXXXXXX  indicating my original payment was posted by you on XX/XX/XXXXXXXX  and charging me a {$30.00} late fee. 
I called XX/XX/XXXXXXXX  contesting this late fee. However, I was told that I had a credit of {$190.00}. I requested a refund of that credit and was told it would happen within a 30-day period. 

I then received my statement ending XXXX XX/XX/XXXXXXXX  indicating payment of {$220.00} received XX/XX/XXXX, and returned payment of {$220.00} on the same XX/XX/XXXX. The statement then indicates a returned check charge dated XX/XX/XXXX and a minimum interest charge of {$2.00}. There should be no charge as I was advised on XX/XX/XXXXXXXX  that I had a credit of {$190.00}. Therefore, there is no interest to be charged. And the fact that you hit me up, yet again, for a duplicate payment by phone, and then have to refund it should not cost me anything. I contest these charges. I requested you to close the account in XXXX because of the shenanigans with the processing of payments. 

Please reverse all charges for returned payment and late fees as they are not due to my lack of response, but rather your mishandling or inability to timely process payments. I further demand that all negative reporting to credit unions be removed
Product: Credit card or prepaid card

I completed a refinance on our home in early XX/XX/2023. As part of it, there were checks cut to pay off bills, one of which was Aspire credit card of my wife and myself. The total amount sent to me from the escrow company was {$2900.00} ( it was a combined about for both cards ). I wrote each account number of the check, our names and last 4 of XXXX for each respectively. I sent it over night via XXXX through XXXX on XXXX XXXX to which it was received on XXXX XXXX. Aspire did not post the check until the XXXX XXXX, not the date it was actually recieved, after I had to inquiry multiple times as to where it was. Then they posted it only to XXXX account which left one account unpaid and the other with an overage credit of {$1500.00}. I requested the overage on XXXX XXXX and was told it would be 7 business days to process and the check would be sent and to me within the next 10 days after that. However, as of today at XXXX XXXX on XXXX XXXX ( 10 business days later ) there still remains a credit on my account. I keep being told it is 7 business to process and 10 days to get the credit back. We are past the time frame. I want the credit on the account returned to me within 48 hours via overnight delivery or to the payment account I have on file with them via direct deposit.
Product: Mortgage

A XXXX representative told me that I Could make mortgage payments in multiple payments online and my partial payments would be held until the remainder of the payment was made and would then be processed as a full payment. On XXXX XXXX, XXXX a partial payment of {$500.00} was not held and was applied to the principal instead. The remaining {$780.00} was paid before the due date which would have made the complete payment on time but instead was held until the next partial payment for the next month was made, generating a late fee and a late mark on my credit report. When I called to complain I was told that the {$500.00} principal payment would be reversed and I would be credited any late fees due to the issue. I was advised by another XXXX representative not to make partial payments to avoid this issue and began making full payments at that time. The reversal was not done as promised, no late fees were credited and after many phone calls to XXXX and promises to correct the issue by XXXX, nothing has been done. Incorrect reporting of late payments and the generated late fees have persisted every month since, adversely affecting my credit rating even though my account is current. Every XXXX representative I speak to on the phone has agreed that my account should be current if the reversal was done and late fees credited, yet no one at XXXX has actually done anything to resolve the issue.
Product: Payday loan, title loan, or personal loan

Ocean Park funding was emailed about my debt consolodation with XXXX XXXX and they said they would stop the automatic draft. I didnot trust them so I had my bank to put a stop payment on the bank account. However the last XXXX paydays XXXX XXXX has continued to try to take money out of my account. My Bank informed me they have been able to block it but said if the company tried to change the name they could succeed and I would have to come in to the bank for further solutions to the problems. They have tried to take a total of XXXX dollars out of my account. 

I would like them to stop and work with XXXX XXXX XXXX
Product: Vehicle loan or lease

My vehicle has been paid off for over a month, yet Southeast Toyota out of XXXX XXXX  has been sending false information to XXXX Credit Reporting Agency saying that I still have a balance of XXXX XXXX which is not true!! This company has been constantly sending in wrong information destroying my credit, and making me look bad to other creditors! I have my title proving they are wrong for doing these issues!! This is happening because I called them out by charging off my car under false pretense, just to get extra money from me, and the government!!! This entire matter should be investigated!! They are also saying I had an installment agreement with them, which is not true! I paid this car off in full, not a lesser amount like they have been stating to XXXX, to get government charge off money!! If anything, I overpaid them!! I paid the remaining balance which was {$650.00}, when it should have been only {$300.00}, but the stuck me with another {$350.00}. I will be sending in documents that prove what I am stating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Date reported XX/XX/2021. 
I had debt collection from CitiBank for XXXX $ and I have paid this amount ( as soon as I got this notice ) to collection agency. 
I owe nothing right now to CitiBank. 

I had financial struggle at that moment, since that I have never had an issue with debt collections. 
Also I've tried to contact CitiBank support with no luck. 

Nowadays this negative mark hurts my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of navient education is reporting 6 late pays on all 3 of my credit reports and mailed off letters on XXXX XXXX asking them to kindly remove because that information is incorrect. and they have not done so. I also disputed this information before that
Product: Debt collection

This debt was never verified, which is a breach of the FCRA! I have requested numerous times that the signed contract with my signature as well as monthly statements for ALL charges be mailed to me to be verified as I never received any letter offering me to verify the debt, but they refuse. I also have disputed the account with XXXX and they refuse to remove it and instead within only a couple of days of my dispute put this on my account, which is NOT verified as accurate and also a breach of the FCRA!! I want the debt removed and dissolved for this reason and I want both the collection agency and XXXX fined for breaching the FCRA!! They can not follow the law AFTER they BREAK THE LAWS!!!! 

CBNA Your information may have changed since XX/XX/XXXX Account info Account name CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance {$1600.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX Current / Terms met XXXX Past due 30 days XXXX Past due 60 days XXXX Past due 90 days XXXX Past due 120 days XXXX Past due 150 days XXXX Past due 180 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX to XXXX XXXX 180 days past due as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX, XXXX XXXX  30 days past due as of XX/XX/XXXX, XXXX XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1000.00} Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX XXXX, SD XXXX Comment Current : Completed investigation of FCRA dispute - consumer disagrees. 

Account closed at credit grantor 's request. 

Previous : Completed investigation of FCRA dispute - consumer disagrees. 

XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Checking or savings account

I opened an account with Simple ( an online bank ). They sent me a debit card and asked me to fund the account. I deposited {$2000.00} in the account and started using the debit card. One or two days later, they froze my account and ask me to submit sensitive documents online ( picture of social security card, bank statements, etc. ) I said that I was not comfortable doing so and would like to close the account. They replied saying that I can not take any action before verifying my identity. Two years later, the funds are still sitting in the account and I have no way of withdrawing them. 

tldr ; funded an account only to have my money frozen for more than two years with no way to get it back without uploading a copy of my social security card online.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022.
Product: Vehicle loan or lease

I have mailed 2 checks to GM Financial and neither has been processed. I have tried to reach them by telephone and email but have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # : XXXX Balance : {$6600.00} I have filed complaints with FTC, Credit Bureau and Creditor and this information is still reporting on my credit file. According to Section 605B of the Fair Credit Reporting Act, I needed to provide proof of my identity ( I did ), the specific information that is a result of identity theft ( I did ) and a copy of the complete and submitted Identity Theft Report ( I did ). 
Experian, XXXX and XXXX have not corrected their reporting of this information.
Product: Debt collection

XX/XX/2019 amounts ; {$1200.00} actions that were taken ; I tell you that this account is not mine name XXXX XXXX XXXX account number ; [ XXXX ] address ; XXXX XXXX XXXX # XXXX XXXX XXXX , NY XXXX Social Security number [ XXXX the debt is not mine, please delete it
Product: Debt collection

I sent a certified letter to the company on XX/XX/XXXX, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I advise them any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if they could not validate the debt, they must request that all credit reporting agencies delete the entry. That failure to respond within 30 days of receipt of the certified letter may result in small claims legal action against their company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 
They signed for the letter on XX/XX/XXXX at XXXX XXXX. They did not respond to my letter at all. They also failed to mark it as disputed on my credit reports. This is a violation of federal and state laws.
Product: Checking or savings account

The day I flew out of XXXX, XX/XX/XXXX they decide to close my account. I believe it was because I charged something in XXXX when I was there or use one of my cards. Im not completely sure but I also deposited money into my account before I left. It was above XXXX but I was just making sure I was covered for my trip considering I would be gone for a while. Im back in the country now and I received a letter of account closure XX/XX/XXXX. The bank is JP Morgan Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has XXXX XXXX on my hard inquireys when it has been in lock down for 2 years. How is it possible to keep getting inquireys when my file has been. Locked for years. This happened on XXXX XXXX XXXX? I tried calling police but they don't think it is fruad because the company or person didn't steal anything but my credit score which is theft to me. They said if everybody wrote complaint about hard inquirey that the local police couldn't do anything else to help people that didn't loose points buy articles like a house. This happens every couple months to years. They have their customer service in XXXX and they aren't taught are laws but XXXX laws that are nothing like our laws when it has to do with FAIR CREDIT Reporting Acts? This can destroy Americans futures. These 3 credit bureaus should not be aloud to use XXXX laws ( XXXX not American XXXX. )