23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX Capital One XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, UT XXXX PROOF OF LATE PAYMENTS Dear Capital One, I am writing to address the reporting of late payments on my account with your company. According to your records, there have been late payments on my ACCOUNT # XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX but I am requesting proof of mailed statements and separate disclosures for the dates you are reporting as late. 

As stated in 15 USC 1666 B Timing of Payments, a creditor must be able to prove that a late payment exists. The law states that 21 days before the payment due date, the creditor must send out a notice containing information from section 15 USC 1637 B Statement Required with Each Billing Cycle. This notice must be mailed or delivered within 21 days of the payment due date. It is imperative that you provide evidence that a statement was sent within the required timeframe in order to treat a payment as late. There are also certain disclosures that are supposed to be provided 21 days prior to my statement due date. These disclosures are separate from the statement. 
Please provide me with proof of these monthly disclosures you provided. 
Failure to comply with the procedures outlined in the FCRA ( Fair Credit Reporting Act ) has resulted in several violations of my consumer rights. I am in the process of concluding my paper trail before taking legal action. I urge you to update the credit reporting to reflect that the debt is PAID/NEVER LATE. 
I would appreciate your prompt response to this matter and ask that you cease reporting this debt as late until you can provide the requested documentation. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Product: Credit reporting or other personal consumer reports

In the wake of the devastation the XXXX of Florida has experienced due to recent XXXX XXXX, the several tornadoes, floods, and other Hurricanes, XXXX and several banks and creditors are working with state and federal officials to provide information on disaster relief resources and information. 

Many creditors and banks are also extending courtesy to XXXX Florida victims impacted by the XXXX disasters by furloughing/waiving Credit card XXXX credit reporting and loan payments. 

Several areas in XXXX Florida still currently have no electricity, no landlines, no running water and very limited cell service. 

Therefore, i am requesting that you stop reporting any delinquencies and late payments from XXXX XXXX XXXX xxxxx XXXX and XXXX. 

Please also waive any minimum payments due from XXXX for at least XXXX  days ; waive the minimum payment up to XXXX billing cycles. 

Do not report it as a late payment. 

Prevent and waive any late fees. 

The reason why insurers are acting so fast on this is if you remember after XXXX hit XXXX XXXX and XXXX XXXX hit Florida ( before mobile banking ) all of the credit card companies were cooperating with the exception of XXXX issuer. 

The media caught wind of it when they said if you can't make the minimum payment, we'll just add the late fee to your existing balance. XXXX XXXX then retracted and retroactively refunded late fees in XXXX affected areas.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Information Under Section 605C of the Fair Credit Reporting Act I am a victim of XXXX XXXX and the information listed below on my credit report is a direct result of that XXXX. In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : 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 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 XXXXXX/XX/XXXX As mandated by Section 605C of the FCRA, please block this information from my credit report within XXXX business days. I also request written confirmation of the actions taken regarding the removal of these items. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Wells Fargo has discriminated against me, I applied for credit card and see attached document. It says they require more information before approval. But in reality, they had already declined the card, as I called the number listed and it was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I viewed a copy of all 3 of my credit reports from Equifax, XXXX, and XXXX and I noticed multiple auto loan inquiries across all 3 Bureaus that were not Authorized by me. In late XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX with a check in hand from my own bank, I later found that the salesman actually blasted my credit report to multiple lenders for approval without my permission. I was approved already with a check in hand, after I repeatedly asked the salesman not to do so. Since then my credit file has suffered, All listed below did not have permissible purpose/authorization from Me to access my reports, this is also a violation of the FCRA.I have also contacted all 3 Three major credit bureaus as well as all financial banks listed below with no answers, I've also requested documentation on all inquiries listed below : Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The inquiries listed above have hurt my ability to obtain credit and are in violation of the FCRA 15 U.S.C 1681 ( b ) Ive also hired an Attorney to help me through this process to seek all PUNITIVE DAMAGES ALLOWED.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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: Mortgage

In 2010 I filed for Chapter XXXX bankruptcy in the U.S. Bankruptcy Court of Nebraska which was approved XX/XX/2010. At the time the largest debt was a mortgage which was held by Bank of America at the time of the bankruptcy ( previously the loan was owned by Countrywide Mortgage. This was a refinanced mortgage from an XXXX loan that we used to initially purchase the home. At the time of the bankruptcy I was going through XXXX for the XXXX. After the bankruptcy was approved my wife and I have tried everything imaginable to give the home back to the bank with zero success. We returned the keys to the bank, cleaned the house- moved out. We hired an attorney to try to conduct a short sale on the house, which the bank made so difficult it was impossible to short sell the house to repay the bank as much as possible. About two years later while I was XXXX at XXXX, TX I was contacted by a representative from BOA who tried to get me to rework the loan despite the fact that the mortgage was discharged in bankruptcy. I tried to explain to him that there was no loan to " rework '' because it was discharged in bankruptcy. He became very belligerent and I calmly explained to him that his behavior was n't permitted per the paperwork I received from the Bankruptcy court. He calmed down and claimed that he would do some more research after I gave him the bankruptcy case number and other info concerning the bankruptcy. Several months after that time my wife and I began receiving statements from BOA claiming that they were paying lawn care ( which we have learned has not been taking place according to our prior neighbors who claim that the city has been mowing the grass ) and homeowner 's insurance on the property and reflected an outstanding balance. Then BOA sued my wife and I in a foreclosure case in County Court. Finally we sought the assistance of a Legal Assistance Attorney with the JAG office here in XXXX where we are now stationed. We tried to settle this case by offering to execute a Deed in Lieu of Foreclosure which was sent to the attorney representing BOA. She submitted the settlement offer to BOA who refused the settlement offer because they claimed incorrectly that there was a HUD lien from the original mortgage that Bank of America ( or the predecessor Countrywide ) did not have cleared when they assumed the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Bank of America ( B of A ) customer. 

Last XX/XX/2020, my husband recently received a letter from the B of A dated XX/XX/2020 ( Ref. # XXXX ) expressing their condolences for my recent demise ( death ) stating how he should manage my financial accounts ( and indicating therewith the documents needed and steps to do so ). 

I am very much alive and no member of my family has ever made any report of my demise. 

Thinking that the letter is a result of a clerical error on the part of the B of A, my husband contacted the bank via the phone number they provided to report the incorrect information in an attempt to rectify the situation. However, the bank representative was unable and unwilling to help stating only that I should present myself in person to a local branch with proper identification to set the record straight. Further, the bank representative refused my husbands repeated request to find out from where or from whom the report of my demise originated, citing privacy concerns. This despite him insisting that such erroneous report has caused us a good deal of confusion and anxiety. 

On XXXX XXXX, I took time off from work went to a local B of A branch and presented myself in person along with evidence of my identity. However, a similar request that I made on the origin of the false report ( that has caused us much disturbance and inconvenience ) was also refused for reasons of privacy. This is despite having explained to the Bank that the false report and their obvious lapse in validating such information has caused us a great deal of trouble. Moreover, I explained that I am the aggrieved party and the one that has suffered the consequence of their lapse and questioned why their inclination is to protect the source of the false report instead of the affected customer ( myself ). At that instance, I requested the local branch to provide me in writing that such reason for their inability to disclose the origin ( identity of source ) of the false report of my demise and to guarantee that no such report will be entertained without proper investigation to avoid any future repeat of this distressing incident. The Bank, however, is unable to oblige to what I think is a fair and reasonable request. 

The situation I described above provides details to my complaint which, in sum, is a request for the BofA to disclose the source of the false report so that I may take the necessary action to prevent its recurrent ( especially in case of a malicious false report from any party who wishes me and my family harm or disturbance ).
Product: Money transfer, virtual currency, or money service

Wells Fargo account has been updated account numbers and overdraft fees over and over also payments are not being paid on time so credit card limit has been decreased for that XXXX XXXX account was not paid on time
Product: Money transfer, virtual currency, or money service

The amount taken from Me is XXXX $ and its for emergency hospital for my father inlaw they didnt get it now hes dead, the date i sent it was XXXX XX/XX/year>,,,, i sent XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be XXXX XXXX a legal complaint against you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i sent equifax a dispute in regards to a collection that appeared on my credit. Its been over 60 days now and i have yet to get an response it seems that my dispute was entirely ignored.
Product: Debt collection

Received phone call yesterday in regards to this. Loan was allegedly taken out in 2013, I was not residing at address mentioned in 2013. Also, I have never heard of a company reporting to a credit bureau after stating account would not be placed with credit bureaus. Second, this account if legit, is beyond the statue of limitations for the state of MaineXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with XXXX XXXX XXXX which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my XXXX and Experian accounts. 

XXXX XXXX requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.
Product: Payday loan, title loan, or personal loan

I have had many credit checks and monitoring and netcredit keeps saying they can not verify my identity and can not elaborate but i checked with the companies they use and they all reflect what I put on the loan application.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. thanks 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX I applied for a capital one Walmart credit card to receive the 5 % cash back rewards at Walmart .... I have an XXXX XXXX XXXX and earn close to $ XXXX a year ... All of this is in my application for credit. 

They approved me for only {$500.00} which is not only very low, but also not conducive to my credit worthiness and income... The credit limit is so low that it actually hurt my credit score MORE THEN it helped by opening this account. 

You see, typically your utilization rate decreases when your overall credit limit is increased which nets a positive impact on your credit score .... However the inquiry offsets that positive with a negative .... In this case, that inquiry 's negative impact was greater than the positive impact solely because of this incredibly low limit. 

I tried to reach capital one about it and apparently they can not even find me in their system, i have attached a copy of their letter to me stating this... So no resolution can be found with them under current conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act -XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : # # # # # # XXXX - XXXX XXXX BANK NA Account Number : XXXX XXXX - XXXX XXXX XXXX  Account Number : XXXX XXXX - XXXX XXXX Account Number : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - US DEPT. OF EDUCATIONXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : 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: Checking or savings account

It is not enough words to describe how horrible their phone system is and agents on the other end refused to clear their line or speak up, speak clear and simply hanged up. I finally got to check my account yesterday and discovered that my previous request about unauthorized transactions by some business that unknown to me. Repeated charges were not taken care of on my call in the past. I tried to do the transfer by XXXX and my account did not allow me to proceed and gave me a constant message that Account blocked. I called the customer service and was transferred to technical support. That service promised me to help and asked me to send him a screenshot that I did and I emailed. I asked the recipient to initiate the transfer and it was initiated by the recipient and he used his XXXX to request payment from my account from his side. It was done before three or two times with no problem in minutes.

I was told that money that were supposed to arrive in minutes, but did not arrive. I enter on my account again and tried to call and got unprofessional service when I was transferred to technical support that had a horrible connection, had a lot of noise, eco and impossible to hear anything and agent refused to clear the line. I found in my junk  mail box email from CITI Bank that asked me to confirm XXXX transaction that was unusual, because three previous times it did not require. The email said that they will keep my money for 14 days until I confirm and it wont let me to confirm, the same way like it did not let  me to use XXXX from my account. while I was on the phone I was kicked out of my account and now it won '' t let me back in. since I ordered a new ATM Card and I got no way to change the password. The CITI Bank refused to provide any help. I never heard back from technical support back by email or phone call either. It was look like a conspiracy. I lost access to my account and they won't help. In addition, they offered the reward up to {$1500.00} depending on the amount and also I got nothing. My nervous system got hurt.
Product: Student loan

I am contacting you due to several issues with Navient. I took a break from school several years ago. When I took a break I called my loan company to discuss payment options. Over the years I learned that I was never given all of my options to repay. I have a file of late payments due to insufficient payment options that worked for me. After some time I was told about the deferment program which I am currently on. I have not been able to renew on time every year because Navient never contacts me in advance to renew before the deferment ends. I have been on the program for years and the renewal is never updated on time. I have contacted Navient so many times since I am still unemployed with XXXX children. I even consolidated my loans because I did n't know what else to do. I 'm unhappy when I look at my credit report and Navient still shows all the old accounts separately when though the loans have all been consolidated. I 'm so lost and broke. I research to learn how to handle my loans on my own since Navient customer service is n't all that great. With no income how can I afford over {$700.00} a month in student loans alone. How can I feed my children? We have been homeless several times but Navient does n't care. I should be halfway done with 10 years with the IBR but does it count if I do n't renew on time? Is this Navients way of keeping me in a hole and preventing me from reducing my debt by end of year 10? Is there someone else I can talk to? Will the other accounts be removed from my credit report since I consolidated my loans? Is there any help for individuals with children, no job, bouncing from house to house just to make it? Now they are being sued because others are experiencing the same issue nationwide. How will this affect me?
Product: Debt collection

Jeffersons Capital Systems garnished my payment without any notice or a heads up before the process continues. I personally wanted to settle the debt but they knowingly sent the court papers to the wrong address. I specifically said KNOWINGLY because they came to serve me at my current address, the previous address is not my residence. On XX/XX/XXXX I started noticing that my paycheck was being garnished without any knowledge or notice, so i called Jeffersons capital system and wanted to settle the debt. On XX/XX/XXXX we agreed that if i pay and make half of the payment they would initially stop the garnishment, its XX/XX/XXXX now and my wages is still being garnished. I've called and i gave them my work fax number for them to send the judgement to stop the garnishment. They have not done so. XXXX the manager there and XXXX as well lied and say that they would try to fax it as soon as possible but my job still has not received any mail or fax regarding this matter. I have satisfy the amount owed and more but they have not send my job the final judgement yet. I cant pay my bills, my son needs school clothes and materials to start the year. I don't have any funds left.