23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a credit card with Capital One. They made me a balance transfer offer, 0 % for 18 months. On Tuesday, XXXX/XXXX/16, via their website, I requested a check to be mailed to me rather than enter the information for the account ( elsewhere ) I want to pay off. 

This morning, XXXX, I received an email saying that my loan had been approved and posted to my account. I logged into my account, and saw that indeed my balance had increased by the amount requested. 

But, I have not yet received or deposited the check. It seemed to me that the loan should not be in effect until I deposit the check. Until then, nothing has really happened. 

I contacted CapOne through online chat to try to get them to reverse the charge ( and the clock starting on the intro rate ) until I deposited the check. Their policy turns out to be even worse than I thought. They told me that it can take up to two weeks for the check to be sent out, but that, indeed the balance posts and the clock starts from the day the loan is approved. 

Think about it this way. When I bought my apartment, I applied for a loan. My loan was approved. But my loan was not in effect until the closing, when funds were actually dispersed to the buyer. 

In this case, they are calling it a loan and have started the clock when the check has n't even left their building, let alone disbursed any funds! 

This ca n't possibly be right. Please make them address this abusive policy for all balance transfer customers.
Product: Debt collection

XXXX XXXX  extended credit to a fraudulent person for services. acct XXXX. XXXX has passed the bad debt to Credit Managment LP of XXXX TX and they sent me a letter demanding payment. 

First I have not had cable in over 22 years and am XXXX XXXX XXXX XXXX  customer. 
Secondly XXXX did not try to contact me at my permanent address. 
Third I only know XXXX extended this account to someone in Florida which I have never lived there. 
Fourth I have my Credit Bureau files " locked '' down with a pin. It appears XXXX did not perform due diligence to ensure the credit is good and valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information showing on my credit report. XXXX XXXX  is showing 2 loans on my XXXX XXXX  {$29.00}, XXXX and {$30000.00} with same open dates of XX/XX/2015. I have request that document showing proof of either loan with signatures or picture ID and/or Promissory Note. After several phone calls Neither have been received Nor have these items been removed form my Equifax or XXXX credit reports.
Product: Debt collection

To Whomever it may concern, I lost my home to foreclosure in 2006, prior to that I attempted to file for bankruptcy in order to save my home but it failed. During that time all of my bills were in limbo.Once everything fell thru I was contacted by I believe at the time XXXX XXXX XXXX XXXX and then Pressler and Pressler stating that they had purchased a debt from XXXX for a XXXX telephone bill of {$120.00} to which they state is now well over {$800.00} in which I 'm not even sure is mine. As the years have gone on I finally said lets be done with them and just pay it. I set up a payment arrangement with them and after my second payment, they placed a levy/hold on my bank account without notice and proceeded to try and take my money in which the court returned to me. I have been living in fear of them for over 10 years. They have harassed, threatened me and any family members that they could get a hold of. I 've moved and I feel like I 'm in hiding over such a trivial matter but it 's just the response to the fear that I have of them. They are by far the most ruthless and unethical law firm that I have ever come across or know of. I just want to be able to get a bank account with confidence without worry about whether or not they will find a court or judge to sign off on a judgement without knowing all the facts and proof that it 's a debt that I owe. And above all else without proper notification to me. Please help. I 'm not sure what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting unauthorized inforomation on my behalf. Under the law permissable purpose any consumer reporting agency may furnish a consumer report under the following cicumstances and no other. This company is reporting a bankruptcy. In accordance with the written instructions of the consumer to whom it relates. This is under the US code 1681b ( a ) ( 2 ) Permissible Purpose. I have not given Lexis Nexis any permission to do the following. Lexis Nexis is reporting information to XXXX and XXXX which is in direct violation to me according to the above stated law. Due the violation of this law XXXX and XXXX are also in violation of this law. Failure to have this information deleted will result in me filing a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer did not consent too nor authorize these inquiries that are reporting to my consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from XXXX, Equifax and XXXX. Everything is electronic I did not give them written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). I sent all XXXX bureaus an identity theft report via Usps mail via certified mail. Are they above federal law? Some of these XXXX XXXX Consumer reporting agencies are XXXX for profit corps doing work How are they able to share my consumer report without them contacting me for my consent to share my private information with these corporations. The bureaus humiliated me to the public and damaged my reputation. All XXXX bureaus decreased my score because of these inquiries. If you can provide me a copy of a credit application authorizing the disclosures of my files with my actual signature, I will accept the inquires. If such application is removed I demand these inquires be blocked and removed from my consumer report. XXXX stole my identity and sold my information via credit sale to these corporations without prior consent.
Product: Debt collection

XXXX Midland Credit Management is being inappropriate and unfair to me. They have refused to verify debt. THEY Claimed that they were going to sue me and constantly contact family members. I have asked them for required information on who they are and what's this debt all about and for the record I had no issue with setting up payment agreement. I sent them a certified letter return reciept. But there representatives have made mockery of my financial situation. Also they said they don't have to explain anything. They told me they have copies of all my credit reports and social security number and that it's already been given to a lawyer and I am in Big trouble now. They have yet to tell me I owe this particular debt and I just ask them to identify what's going on and they say pay now and save myself before it's to late. I asked them to stop contacting me cease and desist until they can be professional and they still contacted me.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time ( XX/XX/XXXX and XX/XX/XXXX ). The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date XX/XX/XXXX I'm not requesting you investigate this account and update these payments to paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus ; XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Dept of ed / XXXX ( XXXX ) Dept of ed / XXXX. ( XXXX ) Dept of ed XXXX XXXX. ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 s-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 in the inaccurate
Product: Checking or savings account

I have a cheking account # XXXX with Td Bank named cutomer relation chect was opened with my home mortgage loan with the bank loan # XXXX. On XX/XX/XXXX I sold my car XXXX XXXX XXXX to someone I never see him but all was online .on XX/XX/XXXXXXXX  I discovered that Td bank online stopped the transaction, I noticed that it was scam and fake check. After two hours aroung XXXX XXXX i was suspended online from any access to my accounts eaither checking or mortgage loan. I contacted TD Bank XXXX customer services XXXX XXXX on XXXX XX/XX/XXXX informed me that the bank took action against me by blocking me online and cancel my customer relation account. 
I did not do anything and I should not be punished, the one who should be punished and treated bad the scamer not TD Bank customer for above 15 years, I never ever delay payment one day or have even any credit issue. Td Bank treated me unfairly compleatly. I am a victm not criminal. I served the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please help me.
Product: Credit reporting or other personal consumer reports

I hope youre doing well. Im reaching out regarding a fraudulent inquiry on my credit report that was made online without my knowledge or consent. This is a serious issue, and I need it addressed immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX  - {$00.00}
Product: Credit card or prepaid card

Good evening. 
I would like to file a complaint against brinks pre paid card. I've had their service since 2017 and all of the sudden my routing and account number have been changed. This is an account that Social Security and XXXX XXXX XXXX send my checks via direct deposit, and now my check is lost in space somehow. I was never notified of the changez, 4 employees were extremely rude to me today. I have XXXX, XXXX, XXXX, and I am having a XXXX XXXX. In truly ready to go to the hospital, I can't provide for my family because this company has stolen my money by changing my account numbers.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX XXXX, XXXX informing me that they had a security data breach and my personal information was compromised, stolen and used by an unauthorized third party. The following information and bank checking and savings accounts currently listed and showing on my Early Warning Consumer Report is inaccurate, the result of the security data breach and identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for or opened a checking or savings account with the listed banks or credit Unions. Full Name : XXXX XXXX XXXX, DOB : XX/XX/, SSN : XXXX
Product: Credit reporting or other personal consumer reports

There are billing errors in my credit report showing late payments inconsistent with my history. I request immediate correction and an account update.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> RE : Request to provide Method of Verification To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of XXXX {$710.00}, affirm {$0.00} XXXX {$14000.00} XXXX requested an investigation because I felt the item was not being reported legally. 

XX/XX/year> I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.

2. What certified documents were reviewed to conclude your investigation?

3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am writing yet again to follow up on my ongoing dispute regarding the unverified and inaccurate negative accounts on my credit report. Despite multiple communications and your assurances of investigation, I have not received the resolution I seek.
Product: Credit reporting

Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me per the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Capital One sent me numerous brochures advertising free interest for one year if I signed up for their Platinum card. After receiving the card, I called them to make sure it was 100 % interest free for one year. I was VERY specific when getting confirmation from the rep. However, they still went ahead and charged me interested on my first balance rollover. When I called them, the representative eventually hung up on me. They have the call on file that was very, very specific about the card having no interest during the first 12 months. I would like for the Quality Assurance department to pull that call and listen to it. If I wouldve known they were going to charge interest during those first 12 months, I wouldve never used the card.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Account Number XXXX XXXX and Account Number XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX XXXX XXXX, Account Number XXXX XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX, Account Number, XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX XXXX, Account Number, XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report.
Product: Credit reporting or other personal consumer reports

I paid XXXX XXXX XXXX  to pay to delete however they are still reporting on my credit report
Product: Credit reporting or other personal consumer reports

The company, Jefferson Capital Systems, is attempting to collect a debt that does not belong to me. Its reflecting onto my credit report. Ive reached out to XXXX to investigate this matter via a debt validation letter. This letter is to provide a document of the supposed agreement between myself and the original creditor XXXX telecommunications. XXXX claims to have verified the debt but didnt supply me with the requested document displaying my signature signature of agreement with XXXX XXXX XXXX no longer exist. The company was acquired by XXXX and dissolved in XX/XX/scrub>XXXX XXXX XXXX. This is a complete violation of the Fair Credit Reporting Act.
Product: Credit reporting

Under Public Records of the " Credco Instant Merge Credit Report '' ( page XXXX of XXXX ) names a " State Tax Lien of {$40000.00} '' ; filed XX/XX/XXXX, Court Docket # XXXX. Data Source if XXXX, XXXX. This is INCORRECT INFORMATION, THERE IS NO SUCH TAX LIEN!
Product: Debt collection

XXXX has been calling my work line and cell line for several weeks/months about a debt I do/did not know about. After checking my mail yesterday, I received a letter from them about a debt by Toyota motor collections and to respond in 30 days to dispute debt. The letter is dated XX/XX/2019 and tied to an account balance of {$2800.00} from Toyota motor credit corporation, which I never received any letters from them about this debt either. Due to not knowing about debt until I received this letter, I will be disputing it. I placed this though under communication tactics because they call my phones twice if not three times a day.