23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

1 ) My sister, XXXX XXXX, holds a Capital One credit card. XXXX is not well and I applied to Capital One to become Power of Attorney for XXXX XXXX credit card, carefully following the instructions in the " Capital One Power of Attorney, Conservator, Guardian Request Guide '' which I found online, and sending them the required documents, including a copy of the signed and notarized Power of Attorney and a copy of my State of New Jersey driver 's license. 
2 ) Capital One rejected my application, writing " Copy of valid government issued ID for attorney-in-fact/agent was not provided or not legible. '' 3 ) I then made a better copy of my driver 's license on a high resolution copy machine at my local library ( rather than on the home copier I had used the first time ) and sent that along with a copy of my passport to Capital One. 
4 ) Capital One again rejected the application, for the same reason. 
5 ) I called Capital One at the phone number provided in their rejection letter ( XXXX ) to find out what the problem could be with the copies I provided. I provided the case number in Capital One 's rejection letter, XXXX. The Capital One representative said he could find no record of this case number and could not speak to me about the account because it belongs to my sister and not to me. This of course is accurate, which is why I am trying to get Capital One to accept the Power of Attorney. Further, the Capital One representative advised that he did not know how to connect me to the Power of Attorney department and could not provide a number for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX XXXX appeared on my credit report with a balance of {$1700.00} ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Mortgage

While with Wells Fargo I almost lost my home and money was taken out my account without my knowledge.
Product: Checking or savings account

Unauthorized payments was taken out for {$91.00} XXXX $ XXXX $ XXXX $ XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent.

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/ my car was flooded in a freak storm. A claim was filed and the car was totaled and paid out under coverage. Only now am I learning that my auto insurance company USAA inaccurately reported the event as " collision. Although I am trying to correct this, I have encountered resistance from XXXX XXXX to access my report. 

WHY DOES XXXX XXXX HOLD SO MUCH POWER OVER OUR LIVES? 
WHY ARE THEY ALLOWED TO POST FALSE INFROMATION THAT DIRECTLY IMPACTS MY RATES AND COVERAGE? 
WHY ARE WE AS CITIZENS NOT INFORMED OF THIS IFNROMATION AS WE ARE WITH CREDIT AGENCY REPORTING?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted XXXX XXXX TRANSUION, XXXX services and supplied a complete identity theft case including police report Proof of address theft affidavit and other identity information that clearly certify that Im a victim of identity theft.and Negative & Derogatory Information and inquiries are Not mine. I did not Authorize any creditor to obtain or report any information especially with it being fraudulent! 
XXXX AND XXXX AND Transuion Had XXXX buisness days to Remove and or block the information on my personal credit report according to the fair credit reporting act section 605 B which they did not instead they have failed to protect my consumer rights XXXX is Reporting a Fraudulent Account ( 1 ) XXXX XXXX XXXX XXXX also the fraudulent inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans Etc etc all other inquiries are FRAUDULENT ALSO XXXX WILL NOT LET MY ACESS FULL ABILITIES TO CONTACT THE FRAUD DEPARTMENT THEY HAVE NOT UPDATED OR REMOVED THE REPORTED FRAUDULENT ACCOUNT XXXX IS STILL REPORTING FRAUDULENT ACCOUNTS THAT ARE NOT MINE ( 1 ) XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX TRANSUION : is Reporting fraudulent inquiries that I personally DID NOT AUTHORIZE XXXX CLAIMS I DID NOT SUBMIT A POLICE REPORT WHICH THEY ARE LIEN IVE SUBMITTED MY POLICE REPORT THEFT AFFIDAVIT AND PROOF OF ADDRESS OVER 100 times im not wanting to pursue and take further action
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 Fridays ago I was wrongfully " Denied '' a loan because of some type of negative credit entry on my " Experian '' credit report. I immediately contacted " Experian '' and they promised me to immediately mail me my FREE copy of my " Experian '' credit report. As of this writing ( 2 weeks later ) I still have NOT received my " Experian '' credit report in the U.S. mail as " Experian '' promised me 2 weeks ago!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. Today I noticed Fraudulent Hard Inquiries on my credit report, that I never applied for. Frauds applied to banks in order to get loans or something.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Therefore, my position is being clearly stated, hard inquiries that listed below do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 

The list of XXXX XXXX Inquiries : XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX Please remove these inquiries from my credit report. I hope for your kind understanding and quick consideration. Thank you! 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The company reposes the car and said l wasnt paying to pay this amount to get it back. But the car balance have not changed and when you call them they always try to make it seems as though you dont understand what they are saying. I asked for a statement and the lady stated we dont send out statements. So l really feel that this car should be almost paid off but the balance has not changed and l have had this car for XXXX years. Credit Acceptance is not fair to their customers. Im over {$700.00} a month and the balance hasnt changed.
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  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # 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 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: Vehicle loan or lease

On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX NC ( XXXX XXXX ) my complaint is everything that transpired 1 ) I was aware that my credit score was between XXXX and XXXX because I checked it before going to the car lot when the contract was being signed the dealer used rush tactics in order for me to sign it because I was there literally all day long so thats how he got me to just sign without going over the contract when I asked about the interest rate he quoted me at 14 % even though I thought it was a little bit too high I went on agreed to sign it but when I got a copy of the contract I didnt see the interest rate on it so I called the finance company ( 1803 Capital LLC ) a few months later just to see if I paid off the interest they said I was paying 20 % interest rate! I wouldve never signed a auto loan with 20 % interest rate because my credit didnt warrant that much.., now I cant even trade it nor refinance it and I need some type of legal help for myself hows a XXXX veteran
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 XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to REMOVE some of the information in my credit file ; however, there is still an account that needs to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is showing error several error s on my credit report first one is company called XXXX  I've never had XXXX  card or account before dispute several times for it too appear again on my report also shows I have late payments on my XXXX  XXXX card never been late also on my XXXX XXXX shows late never late XXXX  refused too help me.
Product: Mortgage

I have a mortgage that is serviced by Nationstar Mortgage. I requested a payoff quote from the company through XXXX/XXXX/2016, but they quoted me a payoff through XXXX/XXXX/2016. When I asked why they were charging me an extra 24 days worth of interest, they informed me that this was their standard practice, and that any overages would be sent back to me within 20 business days. My per diem interest rate is {$22.00} per day, which will result in an overage of {$530.00} ( {$22.00} x 24 days ). The sale of the property that collateralizes the loan will be finalized as of XXXX today ( XXXX/XXXX/2016 ), so the payoff request through XXXX/XXXX/16 is conservative, and already includes a cushion for any timing delays. When I provided this information to the representative that I spoke with ( XXXX ), he claimed that the practice of charging overages and refunding within 20 days is allowable under RESPA. 

I am filing this complaint because it does not seem right to me that the Lender is charging me for funds that the know full well will have to be refunded to me anyway.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information contained in my consumer report. It has come to my attention that your records reflect a missed payment on the account associated with Account Name : XXXX XXXX XXXX XXXX, under the Fair Debt Collection Practices Act. 

I wish to emphasize that I have never missed a payment on this account. Upon thorough review, I have verified that all other accounts are marked 'Paid as agreed ' on my credit report. Therefore, it is imperative to rectify this discrepancy immediately. Under the provisions of the act, it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participatng in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Such misinformation is not only unlawful but also damaging to my credit standing. If this error is not corected promptly, I will have no choice but to seek legal action to ensure the accuracy of my consumer report. 

I trust that you will address this matter with the urgency and attention it warants. Thank you for your prompt cooperation. I expect a prompt response to this dispute within 15 days, in accordance with the timeframe stipulated by the Fair Debt Collection Practices Act. Failure to provide adequate verification or to rectify any inaccuracies XXXX result in further legal action.
Product: Mortgage

My complaint with Select Portfolio Servicing is that they constantly keep asking for documents that were already submitted for a loan modification. When it gets close to the sale date for the house they denied the modification because they said it was close to the sales date. 
Property address XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account : XXXX XX/XX/XXXX. {$410.00} - Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

I'm exercising my rights as a consumer, to dispute inaccurate information directly with the creditor. I'm requesting that all inaccurate, incomplete, and unverifiable information be removed.
Product: Credit card or prepaid card

In a nutshell, Barclays is incorrectly reporting a 30-day delinquency to the credit bureaus and has refused to remove it. Minimum monthly payments had been set up since the card was opened in 2009, but fell off without my authorization or knowledge and caused the late fee ( that they refunded and then lied about, saying it wouldn't affect my credit ). 

This whole situation is straight-up fraud and not ok in the slightest - especially considering I was a loyal customer for 13 years who made every single payment on time and paid the card off in full several times. 

Barclays is a disgrace and I will NEVER do business with them again in any regard and I will urge everyone I know to stay away from them too. This is not how you treat people and I am at the end of my rope trying to get this situation resolved. It's affecting my credit when I have done everything right to protect it over the last 30 years. NOT OK! 

I have contacted Barclays no less than 3 times with urgency to get the full year of statements prior to closing the account to prove that I always had autopay turned on, but no one is getting back to me. If I don't hear back from someone to get this resolved and the mark removed from my credit reports, I will sue. None of this is ok. It's fraud and negligence and it is affecting my livelihood. I will not stand for it.
Product: Student loan

I have a total of about {$50000.00} in private student loan debt with  Navient. Curre ntly, I have attempted to make manageable payment arrangements to no avail. I have provided them with bank statements, income statements, account information, debt breakdowns and just about any other type of information  one  would need to prove the need for more appropriate payment totals.    Navient  has continuously denied my requests, with most decisions taking them up to 45 days and I only find out about the decision when I call them more than a month after applying. Then, they inform me that it 's always up to the VP of the company and that nothing I could do will change the outcome.   Therefore, I am stuck with bill after bill that " demands '' I pay them over  2.5  times what my income is each month.   I have a family to support and a life to support aside from paying greedy loan sharks. I can not afford to give them all of my income each month while they continue to DESTROY my credit and any chance I might have to find someone to work with me to manage this debt better.     M y credit score has plummeted because of Navient , alone.
Product: Credit reporting or other personal consumer reports

Experian on XX/XX/year> you received my Complaint. See CFPB case number XXXX regarding inaccurate and incomplete information on my consumer that you replied Verified/Accurate. The account that you responded verified XXXX XXXX and XXXX XXXX XXXX XXXX to still has inaccurate and incomplete information. 15 USC 1681e ( b ) Accuracy of report 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. By law you are obligated to report accurate information, you are also supposed to notify me not later than XXXX business days after the completion of the re-investigation by mail BUT you did not?! ( XXXX ) Notice of results of re-investigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a re-investigation under this subsection not later than XXXX business days after the completion of the re-investigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( i ) a statement that the re-investigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the re-investigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am here. By requesting in good faith pursuant rule 1002 a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate.
Product: Bank account or service

On XX/XX/2016 I was charged XXXX NSF charges in which I should have only been charged for XXXX. A XXXX dollar charge was presented which left me XXXX positive after which a charge of XXXX came in from XXXX which caused me to overdraw my account. However, with the extra charge of XXXX dollars caused my account to have a domino affect over the next few weeks which caused over XXXX dollars in overdraft fees. I went back farther in my account and this is not the XXXX time they have done this but this time it just caused a lot of problems and was very inconvenient being that it all happened during the holiday season
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( a company that I keep receiving junk mail from ) keeps pulling hard credit inquiries on my account without my permission. I have disputed this several times with the reporting agencies to no avail. How do I stop this unethical and unauthorized hard credit pull from continuing to happen??? 

XXXX XXXX pulled hard inquiries on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all without my knowledge or permission. 

This needs to be stopped!