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

I had an auto loan through Capital One Auto Finance Beginning in XXXX around 1 year after I had my SSN changed and called Capital One Auto Finance to make sure records were correct of this change. 9 months after letting them know and making my payments on time, more than amount needed and ahead several times. I go to their Web site as usual to make a payment and the account was not there. I then called Capital One Auto Finance they had told me they cancelled the account because they thought I was being fraudulent. They called SS Administration office with me on phone and they told them my info was correct. Now Capital One Auto Finance over 2 years ago said they would be fixing this and reinserting the correct and all of the credit info and payments back to the Credit Bureaus I gave them after going round and round with them over 90 days to fix it. Now after 2 years this date of XXXX they tell me they need another 30 days. I am done they had over 2 years they refuse to fix this. I paid my car off in full. They have severely hurt me financially.
Product: Student loan

I have you received an email that you are looking int my complaint XX/XX/XXXX XXXX and have heard from you since. 

Can you give me an update of your findings? 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lowes/Synchrony Bank has my information as a secondary on a credit card instead of an authorized user. I was only an authorized user on this account and not a secondary and it is effecting my credit report negatively. My husband XXXX has called multiple times and has asked for all of the documentation on this account. They have told him there is no documentation available to send ( XXXX at XXXX and XXXX at XXXX hours were the last two calls ).

My husband had filed bankruptcy on this card and it depicts correct on his credit report but it should not be on mine. my last 4 of my ss # is XXXX
Product: Checking or savings account

To Whom It May Concern : On Money, XX/XX/2024, I noticed there were two transactions at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas XXXX in the amount of {$200.00} each ( meanwhile I was at work during this time ). I proceeded to contact the XXXX XXXX to inform them that I had not received any money and that it was incorrect. I was advised I needed to contact Capital One to dispute the charges. I contact Capital One and advised I wished to dispute charges and was told that I would receive another card. I felt confident that my dispute would be won since ever time I have had any issues it has been positive. 
Last night I contacted Capital One to inquire of the status and was advised my dispute had been denied and was told I had been sent an email. I check my email every day, check my spam and always review my trash to insure I am not deleting an important message and I had not received anything of such nature. Feeling very discouraged by your lack of investigation, I requested my account in the remaining balance of XXXX or XXXX dollars be closed. Although this is/was not my primary account it is used for emergencies and the loss of XXXX is a large amount for someone trying to survive in this world. 
I have since done research and have discovered that CAPITAL ONE did not follow procedure and that my REGULATION E. RIGHTS were violated because no proof or evidence was ever provided to me regarding my denial. I do recall someone I spoke with last night say or it is because the user had the correct pin. We all are aware that hackers get into computers, stealing identities, holding companies as yourself hostage and requesting ransom because they know how to crack codes.
Product: Payday loan, title loan, or personal loan

I have had multiple contacts by email and phone ; some dates there are more than one call/email. I sent written notice, by email XX/XX/XXXX ( and a reminder XX/XX/XXXX ) that due to financial hardship, I would need to stop ACH payments, and payments would be sent by mail. I understand they had two days to honor my written notice to stop ACH payments. On XX/XX/XXXX, {$390.00} was taken from my account, so I promptly contacted Lending Club. During these contacts, I keep getting told different information, and as of today ( XX/XX/XXXX ), I  have not received the funds back yet. They have sent me a bill stating I didn't pay XXXX, when that is not true ; they took the amount on XX/XX/XXXX after I sent my written notice to stop payments. I have had calls on XX/XX/XXXX ( where I was told I would receive it back by XX/XX/XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I decided to correspond by email after that, in order to support a more complete written record. Emails were sent back and forth on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I keep getting told different versions of their resolution ; they'll send it back to me electronically & you'll get it, oh wait - we can't send it back electronically because you stopped ACH ( & no way to reactivate it to have the funds sent back electronically ), we'll mail a check, the check was mailed XX/XX/XXXX, then still not received, you should have it by XX/XX/XXXX ; we mailed it XX/XX/XXXX, then generic responses indicating it takes time for mail to be received ... Yet I received a billing letter dated XXXX. I was told to wait until XX/XX/XXXX, then contact them again. As it was not returned by XX/XX/XXXX, I emailed again, and received a generic response. As of today ( XX/XX/XXXX ), the amounts that should never have been taken have not been returned. During these multiple contacts, Lending Club has no concern that the amount should not have been taken per my XX/XX/XXXX notice, and has not made a viable attempt to provide resolution. I indicated that as I have not received support and resolution, I would need to request help via filing complaints I have detailed notes of dates/times & content of phone conversations, as well as emails back and forth. I'm not even seeking the funds caused from lack of funds in my account ( causing overdraft fees from my account becoming overdrawn ). It has been over 4 weeks. I would simply appreciate Lending Club honor my initial email XX/XX/XXXX indicating that as I am having a financial hardship, return the original funds that should never have been taken from my account on XX/XX/XXXX. I was not able to find a way to attach all of the emails sent and received ; I can provide copies of these as needed ; if needed - please let me know where I can send them.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account number : XXXX
Product: Credit card or prepaid card

Sychrony bank, XXXX XXXX has been making charges against card causing card to accrue interest fees and going over the credit limit. In XXXX {$2500.00} in charges were made by me and since then Ive paid religiously {$100.00} or more. These security charges caused the card to reach a balance of almost {$3500.00}. Recently I called about the security charges in which I spoke with a delightful person who refunded {$1800.00} and some change to the account in question which left the account balance around $ 1500+. I recently channeled this same situation through this site in which I was contacted by a senior specialist XX/XX/XXXX through email and advised to call to speak about situation. I called and was greeted with a voicemail saying this person would be on vacation for XX/XX/XXXX, understandable. A week later with no call back I replied back to email on XX/XX/XXXX saying I received no call back about situation and received an email saying because of security purposes that this couldnt happen through the channels of communication I asked for. In turn, I received another email saying the situation had been resolved with a late fee refund of {$45.00}, in which my ten years of credit history I have never been late on any payments. I replied back asking to be called because the way I was being treated was not very good. Till this day, the card has not been used since early XXXX but shows charges to be made and interest fees assessed. As of XXXX it shows over {$300.00} in charges made and over {$400.00} in interest accrued to these charges. I have not used this card so how could charges be made? Simple math shows that {$3000.00} at % 29 would be {$870.00} in interest, with me paying well over {$2000.00} since XXXX plus the {$1800.00} that was refunded and whatever payments Ive made this year should suffice for balance completion. I would like this situation to be resolved expeditiously in anyway before I seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first want to say this complaint is NOT from a third part credit repair company. I, XXXX XXXX XXXX, photo ID attached, am the living and breathing woman submitting this complaint to all three major credit bureaus TRANSUNION, XXXX and XXXX. 

I previously sent in my written instructions according to 15 U.S Code 1681b ( 2 ). I have also attached my instructions for my consumer report as it relates to items I want deleted. To further all three credit reporting agencies are in violation of 15 U.S Code 1681a ( 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. In addition all credit reporting agencies listed are in violation of 15 U.S Code 1681a ( 2 ) ( b ) - ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To further 15 U.S Code 1681b ( 2 ) has been violated as neither company has fully honored the written instructions of the consumer. In addition the consumer report should not have been shared as there was not permissible purposes such as a court order from a competent court of jurisdiction. I XXXX XXXX XXXX am the original creditor and ALL extensions of credit arise from the use of my social security account, defined under the Truth in Lending act as a CREDIT CARD. Lastly I XXXX XXXX XXXX am submitting this complaint ON MY OWN BEHALF I am seeking that the items listed in each letter be removed per my instructions as the natural person/consumer. I would like the CFPB to enforce the rights of the consumer
Product: Mortgage

Good morning My name is XXXX XXXX XXXX. I have a mortgage with Banco Popular de PR number XXXX. The investor according to XXXX is XXXX Bank. 
I need your help as I have run out of moratorium to make late payments. I wish to be allowed more options of these payments such as modifying mortgage payments and that the amount in arrears is allowed to be put at the end of my mortgage. 
I have tried on multiple occasions to communicate with the BPPR, but they tell me that the investor XXXX bank does not give other options. They always tell me NO. They can only give me the option of payment plan. I don't want to lose or sell my house because I wouldn't have anywhere else to live. I am a person who lost his job due to the covid 19 pandemic in the year XXXX. And I was able to get a job again in XXXX. 
I am an old and sick person. In order to keep my accounts up to date I had to work overtime. I have been hospitalized 3 times in XXXX. I am tired, stressed, depressed and without any help in solving this problem. 
I feel like they're not offering me all the opportunities that have been offered to thousands of people. I have communicated on multiple occasions, but they do not really help me and what they do is send me in multiple addresses and then realize that I do not reach any solution to my problem. 
I have called legal services of XXXX XXXX XXXX XXXX XXXX. XXXX lost and mitigation XXXX, or XXXX, XXXX XXXX, XXXX XXXX Since XX/XX/XXXX. Other Numbers that I called is lost and mitigation of XXXX Bank XXXX XXXX and they said there is no mortgage or information regarding myself appear on their records. 
Please help. My email is XXXX, my number XXXX. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 a credit card was opened in my name that I never opened. The phone number on my credit report I had never seen before in my life starting with a Kentucky area code ( 859 ). About half a year before this happened my ex had to move back to Kentucky because she had no where to stay and needed to see her mom because her mom was very ill. Its also the same address that appears on my credit report, which again I never lived ever at that residence, which is also in Kentucky XXXX I believe it was my ex because I started getting calls around XXXX about her whereabouts which is also the same time my XXXX XXXX started going down. The purchase amount was XXXX and the financial recovery number has to of called me 8 times since then. I never opened a chase credit card nor spent over a grand on a credit card.
Product: Debt collection

This debt was removed and rendered to XXXX XXXX XXXX XX/XX/1987 in final divorce discreet proceeding. This debt was then placed on bankruptcy under XXXX XXXX. I have provided information over and over this debt does not belong to me and want it removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX XXXXe Account # XXXX, XXXX XXXX XXXXk Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXXccount # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Bank Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, NXXXX XXXXt XXXX XXXX Account # XXXX, XXXXe Account XXXX XXXX XXXX XXXX OF XXXX Card Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXt # XXXX, has violated my XXXX. 

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

They have to things on there thats reporting same thing
Product: Debt collection

NorthEast Recovery Solutions LLC XXXX north XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXX contacted me regarding a debt I owe. The message they left on a business phone contained most of my personal information. It also contained language about a pending complaint filed against me in my county. I called them back at the number they provided- they gave me more data, but would n't let me talk in any way. Then my husband called them back, she did n't verify any data, just proceeded to give him all of the information and then proceeded to insult my character on the line. She would not provide any data as to who her company was or their contact information. I called them again and asked for her supervisor, her supervisor said that she sits right next to this person and that she did everything right. That she would not review her call and that she, the supervisor, had no superior to speak to. 
They proceeded to dial over and over again to all of our numbers, from phone numbers that varied. When I called back to discuss the reference number they left me and to ask them for their company name and contact information - i was disconnected. 
I called back and was told that I need not call them again as they would file harassment charges against me for merely asking them to identify themselves. 
The woman proceeded to contact my husband, to tell him that I was threatening them and using foul language with them. Complete and total lie. 
I filed a complaint with my Attorney General who confirmed they are n't even licensed to collect in the state of Colorado. 
Not only would they not identify themselves, they gave away personal information without verification, they defamed my character, and then would n't deal with me on my own debt and threatened to file legal action against me for wanting to know who I was dealing with. When i asked them to only communicate with me via mail, they said that I did n't understand the law and that they could do whatever they wanted to collect the debt. Additionally, they do not let you speak. XXXX XXXX or XXXX and XXXX XXXX were horrific and impossible to deal with.
Product: Credit card

I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Product: Credit reporting or other personal consumer reports

The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. It is deeply disheartening to think that despite my diligent efforts to provide the necessary documentation and follow your bureau 's guidelines, I remain in a state of distress, insecurity, and uncertainty. The toll this has taken on my financial stability and emotional well-being can not be overstated. I demand that you acknowledge and investigate my identity theft claims with the utmost urgency. It is not only my right as a consumer but also a fundamental necessity for restoring my peace of mind and financial stability. The following accounts have been reported on my credit profile : XXXX XXXX and XXXX XXXX XXXXXXXX XXXX Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I mail my third dispute letter XXXX, due to still not having my payments updated as current, all I ever received is it's been verified, with no proof. I requested proof of the previous investigation, I requested records of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late. XXXX  XXXX auto finance ( ( XXXX ) I asked for third time that you updated my payments to current. I have provided enough proof, that my payments were paid on time, or arrangements have been made do COVID-FCRCA ( 15 USC 1681 s-2 ( a ) ( 1 ), and XXXX XXXX Loan extension FCRCA-FCRA mandates that credit bureaus must report accurate information about a consumer 's credit history, including late payments, which means they can not report a payment as late if it was made on time even with a loan extension. I attached proof of my information. Update my information I will have to seek legal action. I also attached a complaint to the XXXX  state attorney general ( Consumer complaint ). 

Update the following incorrect information on my credit report. 

XXXX XXXX as current XXXX and XXXX are current- XXXX XXXX XXXX COVID government law, the coronavirus Aid Relief, and Economic Security Act, passed by congress, addressing the FCRCA ( 15 USC 1681 s-2 ( a ) ( 1 ). That the furnisher of data to the consumer reporting agency that allows consumer to defer payments, make partial payments, modify payments should not report the account as delinquent, but should continue reporting it as current. 

XXXX XXXX XXXX Each month state I'm 30 days late, Common sense I can't be 30 days late each month I can't be 30 days late each month that an error XXXX XXXX Both XXXX and XXXX are current, again common sense shows I should also be current for that month I was not late. If I was on time the month before and the month after, XXXX XXXX XXXX XXXX and XXXX show current how can XX/XX/XXXX be late? 

XXXX XXXX Both again XXXX and XX/XX/XXXX both show as current how can XXXX be late?? 

XXXX XXXX XXXX -I Provided proof I was not late and overpaid for those months and was not late XXXX XXXX XXXX - I overpaid my payments for those months I provided proof. 

XXXX XXXX is showing up 60 days late, I was given a loan extension, which should not report late on my credit report as late its the law- I provided proof of loan extension. 

Update my payments as current or I would have to seek legal action, I have additional documents as proof, yet you have not provided me with and proof these payments have been late but keep reporting my credit and damaging and hurting my credit. 

I asked if they can not provide me with information proof of the information within 15/days paid never late and requested updated copy of my credit report.
Product: Student loan

I was 100 % misled during the application phase of my two student loans with Sallie Mae. All of my other student loans are Federal and none are Private. They misled me to believing that I was applying for a Federal loan and servicing through Sallie Mae. I do not qualify for any of the programs offered by the Federal Government due to their misrepresentation of the application process and advertising.
Product: Debt collection

Jefferson Capital Systems , LLC knowingly violated the FCRA by placing XXXX collection accounts withXXXX and XXXX credit bureaus. Jefferson Capital Systems, did this without proper notification 30 days prior to reporting the XXXX accounts to the credit reporting bureaus. I never received notice such action was being implemented.
Product: Debt collection

I was sued by Pressler and Pressler for an alleged debt that i never knew from XXXX.
Product: Money transfer, virtual currency, or money service

I have an ongoing problem with paypal where they keep taking money out from the wrong funding source. This happened multiple times over the past 6 months. I will set my default payment method to my credit card, my backup as a credit card. Then they will charge my checking account. This time I took screenshots. 
These charges are from an ebay shipping agreement. I sold several items on XXXX, they sent XXXX $ each to my paypal account. I purchased shipping labels from them, in order to do this I had to agree to a billing agreement. The billing agreement said it would come from my default funding source, which I made sure was my credit card. 
This happened several times and my checking account was overdrafted. I called them to see what happened and they confirmed that this issue was affecting muItiple people. I asked them to cover my NSF fees and they agreed to a XXXX $ credit. Its been a week and they havent sent anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter on XX/XX/2023. I told the credit bureaus to " investigate all information '' on the accounts listed. Also attached is the letter I sent to all 3 credit bureaus. 

According to the FCRA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or a mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also some of the accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX  : XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX my car was total out my insurance company pay the book value of the car it XXXX but Wells Fargo is still making me pay the difference of the car the balance is left on the car of is XXXX I was on charge for this car could you please help me thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my XXXX XXXX that I don recognized everything on my credit from XXXX to XXXX I havent authorized