23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I took advantage of a XXXX XXXX % interest balance transfer promo in XX/XX/year>. I paid {$1000.00} every month from XX/XX/year> through XX/XX/year> through automatic payments on the due date of each month 's statement ( the XXXX ). 

The final payment of {$950.00} was automatically paid on XX/XX/XXXX, the due date according to the XXXX statement. 

In confirming my final statement had a XXXX balance, I saw a {$16.00} charge for interest. I contacted Capital One to find out why and they told me the promo period expired on XX/XX/XXXX, not the XXXX. They refused to waive the interest charges. 

I have reviewed each month 's statement and there is NO information about the promotional period. All of my other credit cards with promo purchases show the balances and promo period expirations on every statement. Capital One does not. So I had no way of knowing that I should pay off the promo balance BEFORE the due date shown on my statements. 

I am attaching 3 documents : 1 ) The first statement showing the original balance ( note that there is no information about the promotional period ) 2 ) The last statement showing my last payment of {$950.00} due on XX/XX/XXXX. 
3 ) The following statement showing {$16.00} in " Interest Charges on Purchases ''. I made NO purchases. 

It even took the customer service representative XXXX minutes to figure out what was going on!
Product: Checking or savings account

I am writing to express my deep concern and dissatisfaction regarding an issue I have encountered with my Chase bank account. 

On [ XX/XX/2023 ], I experienced an unexpected and unexplained lock on my account, which has left me unable to access my funds. This situation is not only inconvenient but also has significant financial implications for me. 

I have diligently reviewed all the transactions and activities associated with my account and found no suspicious behavior that would warrant such drastic measures. Given the urgency of the matter, I kindly request an immediate and thorough investigation into the reasons behind the account lock and fund blocking. 

Additionally, I would appreciate clear communication regarding the steps that will be taken to resolve this issue promptly. Timely access to my funds is crucial, and I trust that Chase Bank, known for its commitment to customer satisfaction, will address this matter with the urgency it deserves. 

Please acknowledge the receipt of this complaint at your earliest convenience, and I expect to be kept informed throughout the investigation process. I can be reached at [ XXXX ] or [ XXXX ] for any further clarification or information you may require. 

Kindly be notified that this is the amount of money in my bank account : [ XXXX ] I understand that errors can occur, and I appreciate your prompt attention to rectify this situation. Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
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. 


Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : Unknown # XXXX Account Name : Unknown # 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: Debt collection

Capital Accounts has been illegally reporting a collection debt, XXXX XXXX XXXX XXXX, which I do not owe to the credit bureaus since XX/XX/XXXX. I have been disputing this account on a monthly basis since it was placed on my reports and requested verification of the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In response to these 3 requests Capital Accounts sent me 2 page letters suggesting they have sent an itemized list of my debt. In each of the letters the second page is a blank page. This is not a mistake. This is evidence that there is no debt owed at all. 

In any event I did not ask for an itemization of my debt. What I insisted on was validation of the debt with my signature authorizing the debt. I have not received verification as of today. They continue to refuse to remove this false debt from my reports.
Product: Credit card

On XX/XX/XXXX, I opened my very first TJ Maxx account online. On XX/XX/XXXX, my card was shipped to me, and on XX/XX/XXXX, I noticed a {$140.00} charge on my account from a XXXX in California ( I live in South Carolina ). I was surprised considering I hadn't even received my card in the mail yet. I immediately contacted TJ Maxx customer service and they moved forward with a purchase dispute and said it could take up to 90 days to be resolved. I called their customer service team a month later, XX/XX/XXXX, because the charge was still on there and I wanted an update. The customer service rep indicated that it was still under review. On XXXX, the charge was still on the account, so I called customer service again. This time, they told me that I should have moved forward with a fraud claim instead, so they marked my card as lost/stolen, and closed that account. They told me that it would be another 60 days before that transaction was resolved. On XXXX, I received an email from TJ Maxx that they submitted a request to the major credit bureaus to delete any delinquency that occurred from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX, I contacted TJ Maxx AGAIN for a status update who then transferred me to the Synchrony bank ( card holder ) fraud department. They stated that I had never opened up a fraud claim on my account in the past. At this point I'm beyond frustrated because I had never been told to contact them in all my prior dealings with their customer service. Finally, on XX/XX/XXXX, I received an email from them stating that I should not be rendered credit because a valid sale was made with my temporary shopping pass. I can not stress this enough that this purchase was fraudulent and not made by me. I ended up writing a letter to the CEO of TJ Maxx on XX/XX/XXXX and mailed a copy of that letter to their HQ in XXXX XXXX I have heard nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 they reported me late to XXXX XXXX and XXXX. When the company told me I had a deferral till XXXX on a recorded phone call. I had made phone calls numerous times and stated my financial hardship asking for help when they made the mistake of giving me the wrong deferral date. 
Not only were they giving me a hard time, but I just had a family member passed away on top of the lack of responsibility the took and its completely unprofessional. I first told them I initially had to pay money for my car which is on record at Mercedes Benz. They are illegally reporting a 30 day late payment when I was told other wise. They are in violation of the FCRA and I want it removed immediately. The lack of communication either supervisors and reps at the company is absolutely terrible. They should keep everyones records with proper information so these mistakes do not happen.
Product: Checking or savings account

My name is XXXX XXXX. I have a small clothing shop which I use my house as an office and I use square to process payment for my customers. 

Last year, customer made payment of over {$3000.00} and I was able to ship her products to her and she received it, but square has not released my funds to my bank account. 

I contacted square since last year to get this resolved but they have nut emailed me back. 

XXXX said they needed documents including my ID and my business name registration certificate. I sent them my ID and told them that my business is a shop and I haven't registered with certificate. 

During this pandemic, I manage my shop to get paid and feed myself. 

XXXX all stolen {$3000.00} of my funds. 

I want square to deposit my funds in my bank account or tell me when they will deposit it rather than ignoring me with my hard earned money.
Product: Vehicle loan or lease

Cancelled GAP Warranty on XX/XX/2023. Cancellation confirmed with XXXX XXXX - XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. 

Cancellation request was for the following : Make : XXXX Model : XXXX VIN : XXXX Current Miles : XXXX XXXX confirmed XXXX amount of refund is {$970.00}. 

XXXX issued the check ( check number XXXX ) to Truist bank on XX/XX/2023. 

Truist bank cashed on XX/XX/2023. 

I have called Truist bank multiple times per week since XX/XX/2023. On XX/XX/2023 Truist informed me they could not find the check that XXXX XXXX sent them and they had no way to find it. I was instructed to wait another XXXX to XXXX business days to follow up. I called the following week and was again informed from Truist that they had no record of the check being cashed or sent by XXXX XXXX. 

On XX/XX/2023, I called Truist again and was told by Truist that they still could not find my money and that I need to submit a lost payment to XXXX. I sent the email with copy of the check showing the deposit by Truist bank and I sent them a copy of the confirmation of cancellation. 

On XX/XX/2023, I called Truist again and I was told they have found my money but can not issue me payment due to their system integration and they had no ability to issue refund checks at this time.I called Truist local branch XXXX XXXX Texas at XXXX and talked to the bank XXXX. He told me he was not able to issue me funds as they do not process refunds at there branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the Chase Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a Chase customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; 1st XXXX XXXX  was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit.

2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score.

3rd on all 3 credit agencies ( XXXX, Transunion, and XXXX ) are reporting different and inaccurate information.
Product: Student loan

I have applied for TEPSLF through XXXX  XXXX  because I have made over 120 payments in total on the standard, graduated and income based repayment plans. Each time, I obtain a response from the TEPSLF program regarding the number of qualifying payments the number of payments fluctuate and are inconsistent. I have been unable to obtain detailed information regarding which payments are deemed non-qualifying and why to attempt to rebut the in accurate findings. 

I have certified my XXXX XXXX employment beginning XX/XX/XXXX through XX/XX/XXXX. During this time period, I requested a forbearance from XXXX. Aside from this time period, I have made 123 payments, only 1 of which was late. 

I received a qualifying payment count of 116 on XX/XX/XXXX and then on XX/XX/XXXX the count somehow decreased. There have been other fluctuating payment counts that defy logic.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My Credit Wise Statement reported that XXXX  did a hard inquiry for purposes of taking a loan on my credentials. This occurred XX/XX/2020. I called XXXX  at XXXX and reported the problem. They said the loan was stopped and provided me with the # XXXX for the incident. 
XXXX. My Credit Wise report showed that a credit card ; XXXX XXXX / XXXX was created using my credentials. I called XXXX 's and they transferred me XXXX XXXX fraud department. XXXX XXXX fraud department said that they stopped the card, don't know if this in fact happened. The date was XX/XX/2020.
Product: Debt collection

I was in XXXX colorado at XXXX XXXX XXXX, colorado in 2020 and recently i receive a notice i owed {$80000.00} to a landlord called XXXX XXXX XXXX XXXX i never lived or stayed there.
Product: Student loan

This loan was originated from XXXX XXXX College in XX/XX/XXXX. The school was shut down by the Board of Education on XX/XX/XXXX. With no notice, heads up. Just Abruptly shut down. All other loans were discharged. Why not this one. 

Total : XXXX as of XX/XX/XXXX @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX added two collection accounts to my credit reports in XX/XX/2020. I have disputed these accounts with XXXX at least four times. The first three times XXXX took approximately 2 to 3 days to " investigate '' and then notified me that both accounts were verified as accurate. I have not been able to speak with anyone to see exactly how they " verified '' this. I sent them a copy of the letter that was mailed to XXXX asking for verification that this was my debt in the form of my signature. I uploaded the forms received from XXXX to XXXX. This included an itemized statement for {$1400.00} that not only did not contain my signature, it did not contain my name on the actual statement. XXXX still verified this account as accurate and it remains on my credit report. The itemized statement for {$290.00} does not contain my signature and contains a XXXX XXXX XXXX policy number that does not belong to me. As previously reported to XXXX, when our daughter had XXXX all of her medical bills that went unpaid after insurance went on my husband 's credit - not mine. She is on his insurance.
Product: Credit card

I paid my balance off on from XXXX XXXX and was charged {$98.00} in interest that should be waived. I called and spoke to a supervisor on XX/XX/2024 and they stated that they could not waive any amount of the charge and refused to allow me to speak to anyone else about the charges. They said there was no one above them and that they were the only person I could talk to. I asked for them to send an email and for some one to contact me and they said there was no one they could send an email to and encouraged me to call back to verify that they were telling the truthHow could there not be another person to get help? 

Capital One, why do you make it so difficult to find a contact phone number on your own website? I searched and reviewed the contact us and help section and its as if you purposefully hide any information that would allow a customer to contact you by phone. 

I was not able to locate a contact number on your webpage for my Sparks business account. Please provide details on where this information is located on your website where a customer such as my self could easily locate it. 

Please waive the {$98.00} interest fee. It is costing more money to pay for the employees systems and usage than the {$98.00}. I have never had a fee waived that wasnt Capital One mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

I am writing to file a formal complaint against Experian, XXXX, and XXXX Credit Bureaus for their continued failure to remove unauthorized hard inquiries from my credit report. Despite providing substantial evidence since XX/XX/year>, the credit bureaus have not corrected the inaccuracies, which has adversely affected my financial standing and creditworthiness.

The four hard inquiries in question were reported without my authorization. I have submitted the following documentation to the credit bureaus multiple times : Proof of Identity : Valid government-issued ID.

Proof of Address : Bank statement ( as requested as an acceptable verification of address Proof from Creditor : Written confirmation from the creditor stating they did NOT pull my credit.

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate and correct any inaccurate information on a consumers credit report within 30 days. Despite my repeated submissions and clear evidence, the credit bureaus have failed to remove these unauthorized inquiries, constituting a willful or, at the very least, negligent violation of the FCRA. 

Violations of Texas Consumer Rights According to Texas Business and Commerce Code Chapter 20, Texas consumers have the right to request the removal of inaccurate information from their credit reports. The law mandates that credit reporting agencies must correct or delete any erroneous information within 30 days upon receipt of a dispute. The failure to comply with these requirements not only violates my rights under federal law but also under Texas state law.

Impact of Inaccurate Information The continued presence of these incorrect hard inquiries has caused substantial harm, including : Lowered credit score Reduced ability to obtain credit on fair terms Emotional distress and financial uncertainty I urge the CFPB to address this matter with the seriousness it deserves and to take immediate corrective action against the credit bureaus for their violations. Please consider this letter as my formal complaint and request for intervention.

I expect a prompt response within 15 days of receipt of this letter. You may contact me at XXXX for any further information or clarification. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear XX/XX/XXXX XX/XX/XXXX, Re : Debt Collection Validate Request We hop e this letter finds you well. Our records indicate an outstanding balance owed to XXXX XXXX XXXX, as referenced by the account number ( # XXXX ), in the amount of {$3000.00} reopened on XX/XX/XXXX. 
This letter is to formally notify you that the debt has been forward to our XXXX XXXX for collection.. As part of the process, I'm providing you with a debt validation request. 
In order to properly assess the legitimacy and details if the outstanding balance, I, XXXX XXXX request the following documentation. 
2. Chain of Assignment : detailed records showing the full Chain of Agreement for the debt, including all prior holders and the documentation that proves your right to collect on this debt. 
3. Purchase Agreement : a copy of the original purchase agreement or loan contact associated with the debt, including all pertinent terms, fees, and obligations.

4. Insurance Claim Documents : If applicable, any insurance claims associated with this debt and any claim payment history or correspondence that may have affected the amount owed.

5. Proof of Signature : Documentation proving my agreement to the terms of the original debt, such as a signed contract, loan agreement, or any other relevant documentation showing my acknowledgment and acceptance of the debt.

Please provide the requested documents within ( 10 ) days from the date of this letter to ensure proper review and resolution of the matter.

Failure to provide these documents may result in further actions in accordance with applicable laws.

I appreciate your cooperation in resolving this matter and look forward to receiving the necessary documents. Should you have any questions or require clarification, please do not hesitate to contact me at my email address : XXXX. 
Sincerely, XXXX XXXX