23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I applied to a Capital One 360 Money Market account online but during the application, it said I needed to call in to verify my identity so I faithfully followed the instructions to call in. After some waiting, a customer rep answered and proceeded to ask me for my information. 

At first, it was just my name, last XXXX digits of my SSN, phone #, email and address, all of which are fairly standard. Saying that she ca n't verify my phone, she pressed for more information.. names of relatives, their DOB, address, and relationship with me. OK this is getting personal so I paused to ask how she was going to use this information. 

She assured me that she would be able to identify my identity through a third party so I sheepishly continued. House or apt , what color is the house, what are the cross streets. This was getting ridiculous but I continued because I already spent 20 minutes on the call and wanted to open an account. 

Where was my last address, how long have I lived in my current residence, how long in previous residence, when did I move. I had to look up some records but I answered everything. How long have I had my social security number. ... What? How am I supposed to remember that? OK I told her I was still a kid when I got it so I ca n't remember exactly when but I tried to be helpful and gave her a best estimate anyway. 

A short 30 seconds waiting ensued. Then comes the news that she 's " ending the banking relationship '' with me because she ca n't verify my identity. WHAT? I asked what she meant by that and she said ca n't provide any more information and needs to " end the relationship ''. I asked if there 's any other way to open an account. She told me to go to a branch. 

I explained that from my research, the account I wanted can not be opened in a branch and asked if there 's another way. She said she 'll get her supervisor. I was hopeful and thanked her. 2 minutes later, she said her supervisor is busy and that she needs to " end the relationship ''. I asked her if there 's ANY other way and whether she just needs more information. I was already worried about all the information I gave out but I was feeling desperate, especially since I spent so much effort already. 

She coldly told me to go to a branch so I asked her if she can confirm whether I could open the type of account I wanted in a branch. She said she ca n't confirm that I would be able to able to open an account and that she needs to " end the relationship ''. As I tried to clarify that I was asking whether it 's even possible to open the Capital One 360 account in a branch, she hung up mid-sentence. 

Feeling betrayed that I gave so much personally information out and she ca n't even answer one thing, I called back to see if I can understand the situation better. I was greeted immediately with a voice mail instead of the normal on-hold greeting. I can only assume she put my number on a blacklist. 

All I wanted was to open a Capital One 360 Money Market account, but not only was I not able to accomplish this, I was interrogated like a criminal, hung up upon disrespectfully, and probably blacklisted.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 US Code 6802 - any persons sharing non-public information to a third party is in direct violation of the law & my privacy in which is to be protected at all times from said companies or persons and was not given the written opportunity to opted out. 

After reaching out to all three for verification & removal ; All 3 or 1 companies have not removed the following, nor adjusted the information in which is the same across all reports, or failed to respond within the 30 days of verification ask, which pertains to this complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX XXXX XXXX XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I had a Contract with XXXX XXXX Since XXXX I was on Automatic payments from my Bank account my contract was from XXXX to XXXX XXXX XXXX increased my payments and did not notify me They claimed that they emailed me I never received any emails from this company my only onto is from XX/XX/XXXX. When checked my bank account to make sure they were paid the bank stated the XXXX. XXXX  put a check in my account for {$580.00} dollars in XX/XX/XXXX I stopped the check and notified XXXX XXXX and canceled the policy and went to another company which cost me a lot of money because I was new so in XX/XX/XXXX I paid this new company for my auto insurance now XXXX XXXX has called. Collection company to mess up my credit this is on all three credit reports I have bank statements showing my XXXX payment and bank statement and disclosure for my new Auto insurance company and the collection agency is now requesting {$290.00} dollars to settle this debt and claims to go higher this is disrespectful on XXXX XXXX part I have been with this company for 10 yrs.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed that there was a count that I did not open. 
XX/XX/2021 in the amount of {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please update this account : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Product: Debt collection

The account was opened on XX/XX/2016 and the amount is {$240.00}. There was no contacted from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't make any of these inquires and they are a result of identity fraud
Product: Credit card or prepaid card

Comenity Capital Bank : They continue to not process payments on time on promotional balances which causes for promotional balances not to be paid down and thus create new deferred finance charges.     Bank on  XXXX / XXXX /  XXXX   {$430.00} was paid off and it was in full so the balance reflected was  XXXX . They stated it was not paid on time and processed  3 busi ness days later so they added {$290.00} in deferred interest on my account creating a balance from  XXXX  and PAID OFF to {$290.00} plus now interest on top of that.     I work abroad 9 months out of the year and also in the reserves and they notified me since it was NOT within 5 days of notifying them, they will NOT reverse the charges which is ludicrous.     When you pay in full, get confirmation from my own bank, get a confirmation email f rom Community indicating the  payment was made while looking at the current live balance at that time in late  XXXX    XXXX  , you know its " paid off '' with a "  XXXX  balance. '' How or why on earth should I look or anticipate any problems. I just returned from being overseas for work after numerous weeks abroad and just opened a bill this morn ing (   XXXX   XXXX ,   XXXX    ) to m y surprise.     They should immediately quit these practices and since this credit card no longer can purchase any motorola products, I want this to reflect a  XXXX  balance like it was in late  XXXX    XXXX  , and move forward.     They always intentionally try to hurt the " little guys '' and their bullying and illegal tactics should cease! I spoke to both  XXXX  and  XXXX   XXXX  and both did nothing ...     Now, they want me to mail them thru regula r US  MAIL, and wo n't give me any EMAIL.      XXXX   XXXX   XXXX
Product: Checking or savings account

Well Fargo approved a payment to XXXX XXXX. Went I spoke to well Fargo representative they told me was pay because they assume recurrent payment that I authorize. 
I have XXXX XXXX since 2020 but every year I need the payment by my self on different card number. Because I dont have confidence in automatic payment. On my XXXX account they have an old card number one that is discontinued. Well Fargo accepted the payment through that card number. I have the receipt from XXXX XXXX and oldest receipt where is proof of payment with different card. 
How can Wells Fargo been some irresponsible to give my information to that Comp and my money.
Product: Bank account or service

I had a checking account with US Bank and I think they have stolen/lost {$6000.00}. I moved to New York and they did n't have any branches there. I needed to pay rent on an apartment and I could n't do a bank transfer because of cash withdrawal limits, so my plan was to order checks, write one out to myself, cash it at a local bank nearby, and get a certified check to pay rent. I asked the representative if they could waive the check fee, and they said they could n't, but a supervisor would help. The supervisor promised to waive the fee. When I called back about if the checks were mailed, they said they were n't, and that waiving the check fee was impossible. When I told them another supervisor had promised to waive the fee, they did n't believe me. I asked them to mail the checks again, this time with the check fee, and they said they would, but never did. In frustration I asked them to close my account and mail me the balance, which was about {$6000.00}. They said it would take 3-5 business days to process, and another few days to reach me. I made the request on XXXX XXXX, 2016. I waited 3-5 days later. On XXXX XXXX I asked about where my check was. They said it was " mailed '' but had no record of when it was mailed or if it was mailed. I waited again until XXXX XXXX, 2016 -- which would have given the postal service 4 days to send it -- but no check arrived. I called, and they said sorry, that it was mailed, but provided no proof it was ever mailed. They even started to question which money I was talking about. I went online to pull my checking account statements, but because the account was closed, they pulled all my statements offline and I have no records online of my checking account even existing. This is starting to border on theft, and I 'm frankly frightened they 've lost {$6000.00}. They said they would look into it further, but this is n't good enough. I 've waited over 14 days for this money, and I have rent and bills to pay. The fact that all my records are gone online without warning that they were taking it off the internet, the fact that they have no records of ever mailing the check, the fact that I have yet to receive the check, is very very troubling and bad customer service. By the way, there was no miscommunication about my address. At a minimum, when they 're mailing a certified check of that amount of money, they should have a tracking number in place so that these issues do n't happen. Given the XXXX XXXX fraud, I would like the CFPB to investigate this issue further. I 've been on the phone with them at least 10 times in the past week, and I 'm exhausted.
Product: Credit reporting or other personal consumer reports

I am rewriting to address multiple unresolved issues with the information on my credit report in 800 LOANMARTXXXX, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. 
After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), 800 LOANMART-XXXX  is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i,800 LOANMART-XXXX is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXXXXXX and expect 800 LOANMARXXXX to XXXXooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. 
Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request arbitration regarding inaccurate credit reporting on my consumer credit report. These inaccuracies are in direct violation of 15 USC 1681 ( Fair Credit Reporting Act ) due to the misrepresentation of credit limits and the subsequent non-compliance by your bureau in handling this matter. 

The following creditors and account numbers have been inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached the credit report with highlighted inaccurate misrepresentation of credit limits
Product: Credit reporting

I had several inquires reported on my credit report on XXXX/XXXX/16 from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX dealers and XXXX. I have contacted all of these companies via telephone and by letter. They all have informed me that they do not have any information to provide me regarding the inquiry. I have asked Equifax to provide me with information they have collected from these companies. Which I have not recieved. I have asked for removal.
Product: Student loan

Dear CFPB : I am officially filing a complaint against the FedLoan Servicer. Please see attached document for details regarding my inquiry and concern related to Public Service Loan Forgiveness ( PSLF ) Program. 

I've clearly demonstrated that I have fully met the PSLF criteria : 1. I have over 10 years of qualifying public work experience, and 2. I have made over 160 qualifying loan payments between XX/XX/XXXX through XX/XX/XXXX. 

Fedloan seems to have miscalculated my years of public service. My former employer, XXXXy XXXX XXXX of XXXX XXXX, Department XXXX XXXX XXXX, attested that I was employed from XX/XX/XXXX through XX/XX/XXXX, which brings my years of public service to over 11 years. 

Since PSLF began in XX/XX/XXXX. I counted my qualifying years of service from XX/XX/XXXX through XX/XX/XXXX, which comes to 10 years and 7 months. I have been making loan payments since XX/XX/XXXX. To date, I have made over 160 qualifying loan payments. 

As you can see, I have fully met my obligations under the PSLF. FedLoan keeps messing up. Therefore, I am reaching out to CFPB to intervene on my behalf at this point and hold FedLoan accountable.
Product: Money transfer, virtual currency, or money service

I have held a PayPal account in good standing for nearly XXXX years. In XXXX I filed a fraudulent purchase report when a seller did not follow through with their end of the transaction. Now PayPal has closed my account permanently with no explanation. I use my PayPal account as a means to make payments safely and I have done nothing wrong to warrant my account being closed. PayPal will not reply to my requests for reasons as to why they closed it, nor can I reach a live person for customer support.
Product: Credit reporting or other personal consumer reports

They reported that I owed a certain amount of money without notifying me since 2022. I was never aware of such and I am sure the law required them to contact me and let me know about the debt. Since 2022 when they said I owed the money they did not contact me and it got reported and when I saw this on my credit report, I disputed it, and that was when they contacted me via text and mail after my credit was already damaged. Since 2022 when they claimed I owed the money they never contacted me for once.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/XXXX To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$3700.00}
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX did two hard pulls XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  XXXX ) XXXX did two hard pulls XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  XXXX ) XXXX  XXXX  did two hard pulls XX/XX/XXXXXXXX  and XX/XX/XXXX XXXX ) XXXX XXXX  did two hard pulls XX/XX/XXXX and XX/XX/XXXX XXXX ) XXXX did four hard pulls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX ) XXXX did two hard pulls XX/XX/XXXX and XX/XX/XXXX XXXX ) XXXX  did two hard pulls XX/XX/XXXX and XX/XX/XXXX