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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, 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: Prepaid card

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX my son, daughter and I leased a XXXX XXXX XXXX from XXXX XXXX. This vehicle was for my wife of 46 years who had been battling XXXX for some 5 years and was having major mobility challenges. The XXXX would be large enough to fit her person mobility scooter in the rear compartment. 

On XXXX XXXX, XXXX my wife took a turn for the worst and was again admitted to the hospital. She slipped into a XXXX on Wednesday, XXXX XXXX and XXXX on Saturday, XXXX XXXX. We were all devastated. I am still in shock and not able to overcome my grief. 

In XXXX, XXXX, I struggled to drive the XXXX XXXX over to XXXX XXXX and spoke to the associate with whom we originally obtained the lease. I explained to him the entire story relating to the vehicle and the XXXX of my wife. He spent some time conferring with other staff. Finally, he returned and reported to me that there was nothing that XXXX XXXX could do to help me return the vehicle. 

I am finding the death of my wife quite difficult and having the XXXX XXXX sitting in my driveway is a pungent stab in my heart each day. I have advertised the vehicle for sale in a variety of settings and on numerous swap lease sites. I have spent hundreds of dollars trying to find someone to take this vehicle. I finally found someone who said he would take over the lease. However, when I called XXXX XXXX, I was told that KIA did not allow a lease transfer so I lost that opportunity. Recently I decided on another strategy and thought I could just pay off the lease and then hopefully sell the vehicle. After paying for weeks of advertising I finally found someone who agreed to purchase the vehicle. I then called XXXX XXXX and they told me that I had to contact XXXX XXXX. I again contacted XXXX XXXX but the associate with whom we originally worked had left XXXX XXXX. I was transferred to several other people, to each of whom I had to go over the entire story. Finally, I was told that I could not just pay off the lease. There were other fees and charges but when I asked how much these might be I was told an estimated additional {$3000.00} but an exact figure could only be calculated once I began the process of buying out the lease. I was told I would need to drive the vehicle to XXXX XXXX for inspection and odometer verification. I can not do that because the initial 30-day vehicle tag has expired so I have no legal way to drive the vehicle on a public way. The vehicle has only 1,000 miles on it. 

I have continued to make the lease payments and I also have continued to maintain full insurance on the vehicle at a total combined cost of about {$500.00} per month. 

Frankly, I am lost. I need to get this vehicle off my driveway. The memories just seeing it there evokes such terrible grief that it is unbearable for me and my family. However, every time I seem to develop a plan, some barrier appears. It has been now months of struggling to relieve us of the pain of having this vehicle as a persistent reminder of the tragic death of my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information seems to have been potentialy impacted by the recent equifax data breach. I heard of the breach, entered my information, and recived a message saying as much. My spouse was the same. In finding this out, i was required to literally fill out more paperwork on a mobile phone, in order to enroll in a service that by enrolling in it prevents me from seeking legal action from any harm that may or may not happen. If it does, my finances are down the drain. It feels like we are being bent over a barrel for something that is NOT OUR FAULT!!!! I will not be extortioned by a company that has our information, AND CLEARLY HAS NOT HAD ENOUGH SECURITY IN THEIR SYSTEMS!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Experian recommend I get a new XXXX credit card, my credit score was XXXX. 
XX/XX/XXXX, I get my 4th credit card from XXXX. 
XX/XX/XXXX, my XXXX XXXX drops XXXX -> XXXX. 
Reason Experian gives is new credit and change of address. 
I changed my address in XX/XX/XXXX. 
XX/XX/XXXX, canceled my paid membership of XXXX dollars a month paid to Experian to monitor credit since XXXX. 
XX/XX/XXXX, filed a dispute with Experian about a XXXX late payment issue on XX/XX/XXXX, after talking with XXXX and XXXX claimed they had no such record. 
XX/XX/XXXX, Experian drops my credit score by 17 points.

So this year my credit score has gone from XXXX -> XXXX What is going on here?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit card or prepaid card

I had a business credit card with Captial One Bank. I spent over $ 60k on the credit card never missed a payment or was ever late. when i signed up they had a offer when you reach $ XXXX with in six months you get XXXX bonus miles, which ive reached. a month after Capital One shut my card down. I called, every Manager I spoken to looked over my account and said they are not sure why my account was closed and they were only able to tell me that I broke terms and conditions. I asked them what terms and conditions I broke and there response was they don't know. I wrote two letters asking what terms and conditions I broke and all i got back was I broke terms and conditions but wouldn't tell what terms I broke. I looked over the terms and conditions and no where does it state if my account gets closed are they allowed to confiscate my rewards. due to the fact that Capitol bank refuses to tell me what terms i broke, that tells me i didn't brake any terms and conditions and even if they closed my account down it doesn't state anywhere in Capitol Ones terms that they are allowed to confiscate my rewards. I haven't changed anything or done anything different since the first day i had my card. 


I have gotten back a response from CFPB regarding my credit card that was closed. The statement is false, it doesnt say anywhere in capital ones terms and conditions that if my account is closed my miles will be forfeited. Thats a false and a lie. I see that capital one is not there to help there customers. Ive read other blogs online that capital one closed other customers accounts for no reason. I will be going to my local news station to have them air this story. Capital one confiscated my miles for no reason. There customer service is terrible. They are not there to help there customers. I will also be filing a law suit in small claims court. Its states no where in terms and conditions that capital one has the right to forfeit any rewards if they close a customers account down. I will go to all media outlets to let customers know how capital one deceives customers into spending money on singing up for credit cards and closing them down for no reason. I will make sure my story gets everywhere and I will be filing a lawsuit against capital one. I have many news stations that are wanting to air this story how capital one just confiscates customers rewards. Ive read many blogs were the same thing happened to other customers. I paid my credit card in full and capital one fooled me into spending $ XXXX and when I got the bonus they shut my account down. It states no where that capital one has the right to forfeit my miles.
Product: Credit reporting or other personal consumer reports

I am filing this dispute to address the non-compliance of Equifax with the CFPB 's XXXX rule regarding the removal of medical debt. Despite notifying Equifax via a phone call on XX/XX/XXXX of the recent CFPB rule, both their customer service agent and supervisor refused to remove the medical debt item from my credit report. Instead, they opted to continue an " ongoing investigation, which they advised returned a validated, verified, accurate result, '' which is neither compliant with the current rule nor sufficient to resolve the issue. 
The medical debt in question is as follows : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : Last four digits for privacy : XXXX Amount Owed : {$2200.00} Date Reported : XX/XX/XXXX This refusal to remove the debt violates my rights under the CFPB 's updated rule. I have attached the documentation for both medical debts that should be removed, and I am requesting that the CFPB investigate this matter immediately. 
Please let me know if additional information is required to proceed. 
Enclosures : XXXX. Documentation of Medical Debt ( Attached Screenshot ) XXXX. Copy of Credit Report Indicating the Disputed Item
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXXXXXX 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 card

My information was compromised & fraudulently used without my permission ; While I was stationed XXXX, serving in the XXXX XXXX. 
My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ). 

I have never received any benefit from the fraudulent account herein, and/or its affiliates & under federal law, I am NOT responsible for the perpetrator ( s ) fraudulent actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found a late payment on the dates below : XXXX of 2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded I do ask that considering the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to continuing having the positive experience that I have had with you in the past. 


COMPANY INFORMATION XXXX/XXXX ACCOUNT NUMBER XXXXXXXX
Product: Debt collection

Previously disputed account through CFPB reference # XXXX account is reporting inaccurate on credit report stating and I have tried fixing this situation through bureaus and account continues to come back inaccurate. Results from CFPB complaint didnt solve the issue. Account continues inaccurate stating as XXXX acct. open by XXXX XXXX while closed by XXXX. XXXXMissing date on date verified by XXXX. XXXX is stating Open while derogatory and in collection all at the same time. This is impossible! Account has not been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX-Balance {$1000.00} XXXX XXXX-Balance {$370.00} XXXX*-Balance {$0.00} XXXX/XXXX-XXXX-Balance {$0.00} XXXX XXXX-Balance {$860.00} XXXX XXXX-Balance {$0.00} XXXXBalance {$5800.00} XXXX XXXX-XXXX-Balance {$11000.00} XXXX/XXXX-XXXX-Balance {$230.00} XXXX XXXX-Balance $ XXXX-Balance {$1700.00} XXXX XXXXBalance {$560.00} XXXX XXXX-Balance {$630.00} XXXX-Balance {$1000.00}
Product: Mortgage

On XX/XX/XXXX, my bi-weekly automatic payment was skipped. I contacted a representative to make the payment. The payment was moved to unapplied and then the 2nd payment made on XX/XX/XXXX was applied as unapplied. I contacted one of the representatives on XX/XX/XXXX, to request that both unapplied payment be moved to satisfy my XXXX mortgage. Then on XX/XX/XXXX, ( XXXX ) payments were moved from principal to unapplied to escrow. The total was {$100.00}. I have asked for several days to have the money moved back to principal. I was told that my escrow amount was short due to my property taxes increasing. However, I did not receive any documentation to support this explanation. My mortgage payment is showing the same amount that was shown last month and the month before. If my escrow balance was short, then my mortgage payment for XXXX would have increased. Normally, you have one escrow analysis per year and documentation is provided to state that an increase or decrease in your mortgage would be needed. This has not been provided. Subsequent principal payments were applied properly. This just does not make any sense to have to contact your mortgage lender XXXX times within a month concerning misapplied payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call Capital One several times about the reporting the one late payment that occurred over two years ago, by mistake of date of billing. Rep would not update information.
Product: Credit card

Discover closed my accounts only with a letter notice and no reason or further information. The account being closed was an activate account, with last transaction on XX/XX/2016, but receiving the closed notice on XX/XX/2016. Year-to-date spending is {$1600.00}. 100 % on-time payment and no fraud or any other risky activities. Contact Discover and being transferred to different departments and yet no further information but only been asked to write letter to a XXXX to request a reason. Meanwhile, Conflict information received from Discover online system sending email encouraging to join rewards program and also normal status in online profile.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my Credit Report and notice severe inaccuracies in my account, 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report my name incorrect and address In According with the Fair Credit Reporting Act 15 USC 1681 Section 602 A The personal information inaccurate must be Removed.
Product: Debt collection

They call once a week at least after repeatedly being told to stop calling. The debt they are attempting to collect is well over the 7 year statute of limitations so they have no right to continue this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX on XX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XXXX ( three months 2017 apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their funeral and I still have to get a head stone for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX certificate and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX certificate ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX XXXX. Also can you please have them stop reporting also until this investigation is resolved?
Product: Credit card or prepaid card

I've been the victim of identity theft, a paypal debit card was established in my name fraudulently. I received the card in the mail and have a account that I did not establish. Paypal customer service lines will not pick up phone calls ever it will always go to a line that hangs up ; and using their chat service I've gotten no resolution to identifying the fraudulent account to close it. I've been told to cut up the card, and have been given other non-answers to fix fraudulent charges on my account which is not resolving the issue of fraud at all. I've been trying to resolve this issue for over a week and it has not been handled appropriately. At this point the customer service has not taken any information to identify and close the fraudulently created account. I'm raising this issue because their customer service is not taking the issue of fraud and identify theft seriously by ignoring my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert of two hard inquiries to my credit. I have not applied for any credit cards or loans. The companies the had the inquiries are Elan Financial Service and XXXX / XXXX XXXX. I could not reach Elan and XXXX stated they didn't show anything. Contacted XXXX  to dispute it.
Product: Credit card or prepaid card

I have made several balance transfers to US bank on which I have paid fees up front and which carry a 0 % interest rate for a period of XXXX to XXXX  months depending on the then current terms. 

XXXX of these transfers was for {$170.00}, and was to have a 0 % interest rate that expired with the XXXX of XX/XX/XXXX, this is shown on the attached XX/XX/XXXX statement with a closing date of XXXX, on page XXXX, the XXXX line. 

The XXXX statement closed on XXXX, as shown on the attached XXXX statement, so the 0 % interest on the {$170.00} balance transfer ended on XXXX. On page XXXX of this XXXX statement it shows that I paid the full {$170.00} amount on XX/XX/XXXX and it posted to the account on XX/XX/XXXX, which is XXXX days before the 0 % interest rate was to expire. Therefore no interest should have been due on this balance transfer. 

In the XX/XX/XXXX statement for activity ending on XXXX, on page XXXX, there is an interest charge of {$2.00} related to this {$170.00} balance transfer, when {$0.00} interest was due. I texted with a representative of US Bank today for some time trying to resolve this issue without success. I was repeatedly told that the interest charge was for lagging interest, but if the amount was paid before the expiration of the 0 % rate there should be no interest. 

I know this is not a lot of money, but it is not correct and if this is US Bank 's policy then possibly millions of customers are being charged these incorrect interest charges, resulting in millions of dollars in fraudulent charges and profits for the bank. I stood by end of the deal and I expect US Bank to stand by their end of the deal and not try to change the terms at the very end.