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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated.

This is the item I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( inquiry ) XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

A company Called Texas Guaranteed, later renamed Trellis Company sued me in the wrong jurisdiction, the state of Texas, and I have never even been to Texas. I live in New York. They started garnishing my wages while I was working at XXXX XXXX and that was how I learned they were suing me, they didn't even sue me first to obtain a judgment, they just started garnishing my wages. They also added over {$2000.00} onto my loan. I spoke to the federal government in XXXX and was told I had no federal student loans, they were all private. How did these 2 loans suddenly become federal loans? I was forced to pay {$130.00} per month to Texas Guaranteed, now known as Trellis in exchange for them to stop garnishing my wages, which they were taking over {$200.00} a paycheck as a garnishment. I told them several time they were suing me in the wrong jurisdiction and that it was illegal but they did not care and stated they could get away with it. NSLDS states the total borrowed on one of the loans was {$2900.00} & with an outstanding principal as of XX/XX/XXXX of {$2300.00}. The second loan states the total borrowed was {$11000.00} and the outstanding principal as of XX/XX/XXXX was {$9100.00}. The loan was also for some reason put in forbearance without me knowing or being told on XX/XX/XXXX. I will attach documents but Texas Guaranteed now known as Trellis added on fees, sued me in the wrong jurisdiction, started illegally garnishing my wages to force me into a payment plan from the wrong jurisdiction and added on thousands of dollars in fees to my loans. I had to switch the loan to another service provider because they were not providing me tax forms for the IRS so I could do my taxes and I have need them held accountable for their actions. I would like the loans to be wiped out and the fees taken back and to refunded for the payments I was forced to make to this company as a result of my wages being garnished and me being sued in the wrong jurisdiction. I need them to be held criminally accountable.
Product: Checking or savings account

On XX/XX/year>, cash was withdrawn from my account with a teller, I didn't notice the withdraw until XX/XX/year>, I called it in, and they told me it take three to five days, and they closed my account and gave me a new on. I went into the branch got my new account number and set up a passcode so this wouldn't happen again I tried to take extra security measures. I called almost every day to see if they to see if they had any updates. On the XXXX I spoke to a representative and they told me that they had stopped the investigation on the XXXX because they received an allege call claiming to unfreeze the account because it was a false claim. I never made that call they said that they reponed it when I called on the XXXX to ask if they had any updates and the processes started all over again mind you, I was never made aware the situation. The fraud representative told me they would expedite the case so I can get answers. On the XXXX money was withdrawn from a different branch and with a teller on the new account I was given. I have no idea how they were able to get this information in order to accesses my account online there is all these steps for verification, and I have no alerts. I reported to Chase various times that I am dealing with Identity Theft, and I have a police report. How these people got withdrew with money Chase Bank is unable to answer. I going to take extra measures to make sure Chase bank I liable for the money that was stolen from me. I spent various hours speaking to someone representatives and no one has been able to help me.
Product: Debt collection

American Express continues to call me, send me emails, and threaten legal action on debts that are past the statute of limitations. 

All debts are to be forgiven after seven years.
Product: Checking or savings account

I suddenly got the notice of account restriction and the account is under review. It took two weeks and nothing happens while I can not move money. I made a call but they only said they will continue the review.
Product: Debt collection

My mother received a letter in her mailbox from Results Unlimited LLC sometime in XXXX. It was for collection of a debt that I had from a previous apartment complex stating that I owed {$770.00}. I called Results Unlimited and spoke with XXXX and asked if I could make a payment arrangement as well as provide her with my current mailing address as well as confirming my phone number. She agreed and updated my information. I called on XX/XX/XXXX and I spoke with XXXX again and provided her with my checking account information. Two weeks had past and I still did not see the money taken out of my account. I called again on XX/XX/XXXX ( No answer ) and on XX/XX/XXXX. I spoke with XXXX again and she stated that she wrote down the wrong account number. I verified the correct account number with her and ask that she process a payment of {$450.00} on XX/XX/XXXX and the remaining {$320.00} on XX/XX/XXXX. That was the last form of communication that was made between me and this company. On XX/XX/2021 I got a call from my mother stating that a warrant in debt had been placed on her door. MY MOTHERS HOUSE SHOULD NOT HAVE BEEN SERVED. ESPECIALLY when it comes to MY personal information and they even had all of my updated information. I have not lived at my mothers house in over 6 or 7 years so why on earth would they just post a freaking warrant on the door? What if my mother didn't live there and someone else did? Now my business was posted on the front door of my mothers house when it should have never been served in the first place. I called this morning XX/XX/2021 and spoke with a XXXX or XXXX and explained the situation and even offered to make the payment but she still tried telling me that I have to pay court fees. She stated that they tried mailing me at my address but my mail was being returned as non-deliverable. That's funny considering after I updated my address back in XXXX, they sent me a letter no problem. I promise my house didn't up and walk away. It's their fault that they didn't properly collect the money in the first place. I did my part. I communicated and cooperated to resolve this debt and now I have a possible judgement. This place needs to be shut down and they should be counter sued by all of the other people they have screwed.
Product: Debt collection

XXXX is an illegitimate system and failed form of verifying documentation and including and up to ILLEGAL to convert LEGAL notarized affidavits to numeric codes. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit card or prepaid card

Capital One XXXX XXXX Checking complaint All our family has been a faithful customer of Capital One for over 20 years. Without any notice or explanation they simply closed our checking, savings and credit cards even when we always paid on time. 

Capital One is refusing to tell us why they closed our accounts. This placed a hardship on our family because many bills were being paid with the credit cards. My daughter was stuck in Collage without any means to pay for food or anything else until days later we mailed her another CC from a different bank. My wife could not pay for anything at the grocery store in total embarrassment to her in front of the store clerk and other customers. Many bills bounced all of a sudden and we did not know why since Capital One never bothered to give us notice or explain the closures. 

We always paid on time and never did anything illegal. Capital One did not allow us to explain anything since without notice they closed all accounts and are refusing terminally to tell us why. 

I know Capital One has been sued for the exact same reasons in cause no XXXX XXXX XXXX XXXX XXXX XXXX XXXX : on behalf of himself and all others : similarly situated, : : Plaintiff, : : Civil Action File No. 
v. : : ___________________ CAPITAL ONE BANK ( USA ), N.A., a : National Banking Association, and even when they lost this class action lawsuit they continue doing the same wrongful actions against their customers.

I want a full explanation and a reconstitution of all our accounts and CCs plus an apology.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE LATE PAYMENTS OFF THIS ACCOUNT. MY PAYMENTS WERE NOT LATE AND ACCOUNT IS PAID OFF IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed item must be investigated. 

1. Number of the account reported by you is not matching with number reported by Creditor XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I respectfully request you to process the investigation as prescribed by my rights under the FCRA.
Product: Mortgage

I purchased a property approximately 16 years ago. Alien that existed prior to my purchase exist up to today. I have tried getting help with this issue and no one returns my calls or responds to my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I file a Frad case on my credit card with usaa but now they are trying to call me and leave me a voice mail that i could barely understand, not sure what the calling is about but it's stressing me out since i work 2 jobs and once i got the voice mail i could barely clearly hear anything, i think it would be more understanding if i gotten a letter in the mail instead to be more save.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is giving me a hard time disputing my reports online. I have submitted my correct information and it is stating the information is incorrect. When I called in, they will not help with the issue but instead are attempting to force me to do the process over the phone with them. I'd like to investigate each instance and then make a decision if I will dispute it or not. I have done this with XXXX and XXXX already but Equifax is not being helpful at all.
Product: Credit card or prepaid card

I went to the mall XX/XX/XXXX when I lost my wallet. I got alerted to the fact it was missing when Capital One messaged me about a charge for over 600 dollars trying to be made with my card. I went right to mall security and actually managed to talk to a cop that tried to help us with it. The thief had used several of my cards at a bunch of different stores. 

A little bit later after I was done with the cop I called Capital One and they told me I would not be responsible for any of the fraud. They canceled the card and refunded the payments. 

Early last month the payments came back. 

There were two different charges to XXXX for {$210.00} and {$400.00}, and three different charges to XXXX XXXX XXXX, {$230.00}, {$160.00}, and {$150.00}. 

This time when I called they said since the chip was used there was nothing they could do. I did not make these purchases. I have never shopped at these stores. According to their " {$0.00} fraud liability '' they shouldn't make me pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, Experian credit reporting company had recently received a dispute letter along with multiple documents on XX/XX/XXXX, and a dispute was initiated with a report number : XXXX ; stating evidence that the public record case XXXX was either have been reported inaccurately by the furnisher or is not on record with furnisher ( XXXX ). Experian claims that XXXX reported back saying it verified the public record. This is a complete lie and false claim according to the evidence, and due to the fact that the furnisher did not have any record of this public record prior to the dispute being filed. How is it your company is verifying information with a company that does not have the record on file. Your company is violating the federal law ( Fair Credit Reporting Act ) by issuing falsified verifications for my dispute. I have filed multiple complaints regarding this, and I am tired of your company falsifying fake verification 's. I have attached evidence of the dispute and of the furnisher 's statements. 

XXXX XXXX XXXX : XX/XX/XXXX address : XXXX XXXX XXXX, XXXX, MI XXXX
Product: Checking or savings account

Almost {$400.00} in fees is ridiculous, I tried to pay them off but fees kept being added on
Product: Vehicle loan or lease

XXXX XXXX called XXXX finance to inquire about 2-3 month deferment due to financial hardship because of this worldwide COVID-19. Was told to call back because car payment wasn't due until XXXX XXXX. Called again this morning XXXX XXXX to ask for the same thing due to financial difficulties. Was told there was nothing they could do or as they said and extension which is similar to a deferment. Asked when will I be able to pay or I can pay half. The representative stated that in order for me not to incur any interest that I should pay something. As if I didn't explain to her that due to unforeseen circumstances of the worldwide Pandemic that's affecting millions. I didn't get any type of assistance what so ever from the company. As you can see by the information they have put up saying they are here to assist during this time yet there hasn't been any assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of this account. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 my file at Equifax 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 items 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'd like you to remove the late payment from this account ASAP : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act Convergent and according to 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 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX XXXX  Account # XXXX 7. Account Name : XXXX Account # XXXX 8. Account Name : XXXX XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX Account # XXXX
Product: Credit card

When i received my XX/XX/XXXX statment, I noticed a late fee. I called customer served and asked if it were possible to remove the charge ( {$20.00} ) since it was an oversite on my part, and that in all the years that I had the account, I had never missed a payment. The gentlemen put me on hold and came back and said, yes he could remove the charge as a onetime exception. I was appreciated and what the balance would be after the charge was removed and it was {$40.00} and made that payment. WHen I received my XXXX statment, I saw that the charge had not been removed. I called and they refused to credit the amount and but offered me {$15.00} credit. I refused XXXX accept that because that is not what I was told - I asked to speak with a supervisor who would not offer the full credit that was promised. I received my XXXX statment and now I have a late fee opn my late fee. I sent a letter on XX/XX/XXXX explaining that. on XX/XX/XXXX they sent me a letter requesting that I call to resolve the issue. I did, and again went around and around, until a so called Supervisor agreed to make that credit on XX/XX/XXXX I have since received another stated with a {$42.00} balance. The bank reported this to the credit bureau on XX/XX/XXXX and my credito score dropped XXXX points!!!!! I ddid not have a XXXX credit score because i was in the practice of arguing over {$5.00} - it is the principal of the matter. This is sheer harrassment by this bank and beyong unprofessional.
Product: Checking or savings account

ON XX/XX/2019 I LOGGED INTO MY BANK OF AMERICA BUSINESS ACCOUNT TO CHECK MY STATEMENT ONLY FOR ME TO REALIZE THAT ALL MY MONEY HAD GONE. I IMMEDIATELY CALLED THE BANK TO REPORT IT. I WAS TOLD THAT I WOULD BE ISSUED A NEW DEBIT CARD WHILE THE BANK PROCESSES MY CLAIM. UNFORTUNATELY, THE BANK FAILED TO RESOLVE MY CLAIM. I HAVE FILED A POLICE REPORT TO HAVE THE ISSUE INVESTIGATED AND I WILL LIKE THE CONSUMER FINANCE PROTECTION BUREAU TO HELP ME RESOLVE THIS ISSUE BY MAKING SURE THAT THE BANK CAN CONTINUE TO PROTECT ME AND REFUND ME FOR THE UNAUTHORIZED TRANSACTIONS THAT RESULTED FROM MY CARD BEING USED WITHOUT MY PERMISSION OR KNOWLEDGE.
Product: Credit card

On XX/XX/2024, I noticed on my credit card account ( # XXXX ) had an unauthorized transaction for {$39.00} from XXXX posted. I never purchased anything from XXXX on that day, for that amount. Somebody else used my credit card information fraudulently ( which is unfortunate, because my account was relatively new ). However, I complained to Capital One, first as fraud claim, but their inept claims department decided it was not fraud simply because I had a history of transactions from that merchant. After speaking with a customer service agent, I then changed my complaint to a dispute of the charge. On XX/XX/2024, I submitted a lengthy response form and a screenshot of my XXXX account ( which shows no history of the transaction ). However, in less than an hour, their inept claims department rejected my dispute on the grounds that it " lacks all of the previously requested information needed to validate your dispute. '' All of these documents have been attached to demonstrate the fraud that Capital One is engaging in. Capital One can not even tell me what I purchased and are only willing to provide more information to me, such as XXXXXXXX XXXX reply to my dispute, if I provide a legal subpoena, or in other words, they appear to be hiding behind legal procedure in hopes consumers give up. Capital One 's transparency sucks, just like their claims of protection from fraudulent transactions.