23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Please forward my complaint / issue to all relevant, state/ local and federal agencies Thanks I don't have a working printer etc so please do as I have asked You since I am out of work and broke etc..

THIS is a complaint against capital one credit card I have three accounts with them XXXX XXXX XXXX XXXX ( 4 minutes ago ) to investor.relations, Investor.Complaints when You call XXXX XXXX XXXX ( You can't thru to anyone for at least an hour and then they have no ability to help You out in any way shape or form so I will not use that # for anything except if we are dealing with id theft and that is why I have a contact person and want certain things for my wasted time which the company does by design and that is all well and good as long as I get compensated etc. for my time etc..

( I will give You the last 4 digits on each of my cards which I don't want to lose the use of and the issues involved with each of them ) all agencies that I will contact here I request that they forward my issue to all relevant state/ local and federal agencies and as for capitol one get my issues/ complaints to the correct person in the ceo 's office I am dealing with XXXX EMPLOYEE ID # XXXX AT XXXX XXXX XXXX PIN CODE # XXXX AND DIR EXT # XXXX XXXX ( I like her and I want to help her help me out that is what this letter is all about ) I am writing to XXXX consumer affairs, the ny state attorney generals office and the virginia attorney generals office as well as capitol one! I am out of work and need help to maintain my accounts but to also pay bills for card ending in XXXX I need the interest free period extended to XX/XX/19 and I wanted {$200.00} for my time THE LADY GAVE ME {$100.00} I still want the other {$100.00}. 

for card ending in XXXX I have a dispute for {$7.00} that needs to be handled and the last 3 statements ( including the one that was ready saturday XX/XX/19 ) that have interest charges that I need reversed as well as making this card interest free until XX/XX/19 as well as {$200.00} for my time. 

for card ending XXXX the lady was kind enough to lower my interest charges but I need the interest to be waived until XX/XX/19 and {$200.00} for my time and the interest charges from the last 2 statements as well as the statement that will be printed out in a week or two to have that interest charge reversed as well I realize that the bank is entitled to make money but sadly I am broke and can't afford to make them money right all I can hope is good will and that they improve their customer service ( The lady I am dealing with is great but THE regular customer service needs to be improved as well and if the bank loses money from my complaint they will better staff the customer service line! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX TEL #  XXXX XXXX XXXX I repeat that I am doing this to help out my situation and and I don't want to lose my 3 three credit cards! 
from : XXXX XXXX XXXX, XXXX date : XX/XX/2019, XXXX XXXX
Product: Debt collection

I 'm receiving calls from XXXX and XXXX claim to Nation Credit Adjusters.When you call the number, they transfer you either to an off-shore call center or XXXX on the east coast. saying I owe money I have a recently discharged bankruptcy and all of my legitimate lenders were notified. they call family and friends and I do n't know how they get the information!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This is a Business, not a personal account.

2. Company Has not provided a contract and or additional information to validate this account.

3. I attempted to contact the company and sis not receive any information.

4. I disputed the account with TransUnion and did not a response with valid information to keep reporting this on my credit report.

5. XXXX XXXX  is Re-aging this account which is a FCRA violation. Attached is my report. XXXX and TransUnion are reporting XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 6. The High Credit Balance is listed as : {$7800.00} but the balance on the account is listed as {$10000.00} showing that this information is inaccurate
Product: Money transfer, virtual currency, or money service

Hello i have a Paypal account and they just closed my account without any reason and also they take my money from my account. My Paypal email XXXX. 
they take my money since 2 mounths.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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.

TRANSUNION 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!

Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I have a DMV case XXXX. Where someone sold me a car with a fake title. I deposited XXXX USD to the account : XXXX on Chase bank transfer Reference number : XXXX and XXXX  XXXX. I deposited from my XXXX account in XXXX. They used a fake identity for the car and sold it to me with a fake title. I took the case to the DMV and is in the process of investigation, they have determinated it was a fake title and fake identification involved.
Product: Credit reporting

This bill was paid in 2012 after I returned home from XXXX. XXXX XXXX XXXX has notified Equifax and provided me copies of my account showing it as paid, however Equifax and XXXX XXXX is showing a balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX  XXXX ARE REPORTING INACCURATE INFOMATION SUCH AS STUDENT LOANS CARS AND LOANS. I FILE A POLICE REPORT ALSO ATTORNEY GENERAL OF TEXAS. THE CREDIT BUAREU STILL SENDING FALSE INFORMATION.
Product: Debt collection

My Information Was Used To Obtain A Credit Card From XXXX XXXX Bank without my Authorization. I've never had any account with this company!
Product: Credit card or prepaid card

I have issues with XXXX 's credit card. XXXX offers XXXX Rewards for purchases. It gives start XXXX 's money {$10.00} for XXXX points. The rewards expires 30 days after it is issued. I have been forced to make a purchase if I want to take advantage of the rewards. However, it never provides details on how my star rewards were accumulated and how my returned purchase impacted the star rewards. 

XXXX now charges money for using star rewards after I returned a purchase. I was charged {$1.00}, {$1.00}, {$5.00}, {$5.00}, {$.00}, {$.00} {$.00} on my credit card statement without any details. 

I have never been provided with history of star money earning, nor reduction due to returned products. I am being charged money without knowing what the charges are. It is a fraud and cheating of consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

**PLEASE REVIEW ATTACHED DOCUMENTS** This complaint is in regards to my student loans that are managed by XXXX. They manage 13 of my XXXX and XXXX XXXX XXXX loans. I could not locate the loan numbers for each loan, but have included a picture of the loans listed in my XXXX account. At the beginning of XX/XX/2022, XXXX falsely reported that my student loans payments were 90 days late. This dropped my highest credit score XXXX points and devastated my credit that I have been diligently building for the past several years. When I called XXXX to inquire about why they had reported my payments late without notifying me first that they were due, I was told that my loans were put into deferment and reporting as current. I called XXXX on 3 different occasions about this matter and each representative told me the same thing. They assured me that my credit report would update and show the correct information. My report did eventually update to show that my loans are current ; however, I still have the negative marks of being late 90 days on XXXX accounts! This has tanked my score and I am unsure why XXXX would have done such a thing without at least notifying me first. I know that I am federally protected against billing errors made by companies. I am also covered by the law that mandates information that is reported on my credit report must be accurate. XXXX failed to uphold both of these laws. They did not adequately notify me that some of my loan payments had resumed nor did they inform me that they would be reporting them as late. I have never been late in the 20 years that I have had student loans. This issue has severely disturbed me and has negatively impacted my life for the past 7 months. Each primary credit reporting agency, XXXX, Experian, and XXXX are also complicit in XXXX illegal practices, because I have informed them that this false information should not be on my report. Please assist me with resolving this problem. Thank you.
Product: Mortgage

I am filing a complaint against Wells Fargo Home Mortgage. When I was XXXX laid off in XX/XX/2013, I informed then of what was occurring. I applied for what I was told were loan modifications XXXX. At the time, I was making attempts to still maintain my mortgage and household with unemployment and substitute XXXX pay. Unfortunately, I was not able to do so and was not able to maintain the "loan modifications". I went through several loan preservation officers and even at XXXX point had to resend all my paperwork, as a result of the same person no longer being as Wells Fargo. I was not approved for another of what I thought was a loan modification and attempted to get assistance through a local foreclosure assistance agency in XXXX North Carolina. Upon not getting approved for that, I returned back to Wells Fargo for assistance and again, the representatives that I was working with changed while I was within the process. I then began working with XXXX I received no calls from Wells Fargo. I reached out to them at the end of XX/XX/XXXX of this year, when I received a letter stating that my house was being sold in auction on XX/XX/XXXX. That is when I reached out to them and shared that I was attempting to work with another agency. The representative that I spoke with initially shared with me that I would need to provide proof of funds to stop the foreclosure until I shared with her that I was working with an agency. I was not informed by the agency or Wells Fargo that I was to take the letter to my local Clerk of Court. The only information that I received from Wells Fargo was that I was to send them the letter and to follow up with them regarding what would happen next. I made attempts to follow up with them prior to the XX/XX/XXXX, yet they were closed and there was no one that could assist me. When I finally spoke to someone after the XX/XX/XXXX and asked to speak to a supervisor, the supervisor on call would not speak to me and in turn shared with the representative that I was speaking with, that I should had called back sooner and despite what the other representative had told me, that I still needed proof of funds because working with a foreclosure agency was not guaranteed approval and that had I followed up, I would had known that the letter was not approved and that the house was indeed sold at auction on the third. I attempted to make a complaint with them then, but instead they transferred me to someone in Senior Management to see if I could get a reversal of the foreclosure and attempt a loan modification. Despite those efforts, it was denied, as the representative XXXX shared that my account was researched and Wells Fargo was not at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunon keeps adding fraud alert asked them to keep. it off inquires that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX. XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX, XXXX. 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed all of these items by letter with all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

XXXX XXXX Last reported 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 an account without written instructions.
Product: Credit card or prepaid card

My Bank Of America ( BoA ) account was in very good standing in terms of credit limit before the Covid pandemic crisis. My credit line then was {$9000.00} with an offer of 0 % Apr for 18 months. I reached a balance of almost {$4000.00} which I tried to pay off every month with my monthly payments of around $ XXXX {$400.00}. 

It was in XXXX that my financial crisis started due to covid and I missed a payment. That was when I incurred a {$25.00} fee and right there and then my credit line went down from {$9000.00} to {$2100.00}. 

After that one missed payment, I still tried to make monthly payments after that and still tried to pay more than the minimum. I wanted to settle my debt before the 18th month of 0 % to avoid incurring interest charges. Yet, as hard as I intend to pay it off, I reached the 18month and Bank of America did not give any consideration and I incurred a total of {$59.00} of fees and charges. ( Breakdown is listed below. ) And this is the reason why I wrote - to request to refund the amount of {$59.00} which is the total interest charges I incurred for 4 months for failing to make enough payments every month due to the same reason. 

When you call BoA, they promote an assistance for payment due to financial hardship and its so ironic that my request to have the charges be waived is not given any consideration. 

Previous credit limit before XX/XX/XXXX was {$9000.00} and now down to {$2100.00} Balance transfer amount XX/XX/XXXX 0 % promo ; Ended : XX/XX/XXXX Fees and Charges : XX/XX/XXXX - {$25.00} XX/XX/XXXX {$14.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX {$7.00} XXXX - {$3.00} Total : {$59.00}
Product: Student loan

AES keeps stalling on account XXXX XXXX XXXX to process and give student loan information requested. AES has currently still not provided me with the details that I require to process information. AES still has not provided proof that I took out the Loan, that the entity has the right to collect on the loan, and that the amount of money that the entity claims I owe is the proper amount. AES has not provided me with the paperwork and they continue to stall with their underhanded tactics. I ask that you make them provide the consumer with the information requested before proceeding further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, XX/XX/2020 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : 1. XXXX XXXX XXXX Please delete it 2. XXXX XXXX XXXX XXXX, FL XXXX Please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely, XXXX XXXX XXXX
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 XXXX XXXX XXXXXXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00}
Product: Credit card

To whom it may concern I spoke with fraud department from Sams Club over and over again. They never fixed the problem so I had no choice then to close the account because charges was being made that it wasnt me. I came to realize it after a year that I was noticing that all my credit cards was being paid off except Sam. Got upset because nothing was done.

I made a police report and gave them the case number as well. Sams every month reports to the credit viewer and managed to keep my scores low Verizon does the same thing I dont know what the heck is going on case # XXXX. 
Thank you have a great day. I hope someone can do something. Thank you. Phone and Sams credit card has been compromised and Ive reported it. Thank you
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, Experian and XXXX multiple times and they are refusing to remove or block accounts that are not in my name. I have sent FTC reports, drivers license and social security cards that show that the information does not match and are in someone elses name. All three bureaus stated that they didnt receive the documents and after I pressed the representative to look further, he says that he has them however, they are not valid and wont explain why they are not valid. I am demanding that every account that is not in my accurate name be removed immediately. The next step is me contacting the attorney generals office as my rights are being violated. I have been fighting with them for this for months. They continue to say that the company says that it is me with the wrong name. All three bureaus are violating my FRCA rights.
Product: Credit reporting or other personal consumer reports

XXXX I got a letter in the mail saying my info was in a data breach with XXXX. 

XX/XX/XXXX Citibank did a hard inquiry into my account which I didnt authorize. ( Didnt see until XX/XX/XXXX ) XX/XX/XXXX I got mail from Home Depot credit service denying my credit card application ( which I didnt apply for )
Product: Credit card

I made a hotel reservation for XXXX at the XXXX XXXX in XXXX. Due to weather we were delayed getting to XXXX. I called XXXX XXXX and advised them that we are late, and wouldnt be arriving until the next day tie to weather, but we are going to be on standby now for a XXXX departing flight from XXXX XXXX We arrived to the airport at XXXX XXXX  and by XXXX XXXX XXXX an email cancelling our stay due to no show. I tried calling and emailing back to no avail, nobody would respond so we didnt board our flight to XXXX XXXX I contacted Chase about the problem and disputed the charge, because I did not cancel the hotel stay, the hotel cancelled the stay on me and I should not have to pay. I provided Chase with a written statement of the events, copies of emails, and call logs. They sided with the merchant, however when I sign into the Chase app today and it shows the dispute open for 70 days now, they are waiting on the merchant review. I called Chase and they said its closed, and they didnt provide documents for siding with the XXXX XXXX XXXX. I can provide call logs upon request, I also provided proof of the flight cancellation and in the email they said they would refund the amount if I provided proof and they never did.
Product: Debt collection

This company is reporting in accurate information on my credit report which is causing harm to my financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Unrecognized Hard Inquiries and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized hard inquiries. Additionally, I have reason to believe that these inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized hard inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 taken immediate action by reporting the identity theft to the relevant authorities . However, it is alarming to find these unauthorized hard inquiries on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized hard inquiries. I urge you to consider the impact of these inquiries on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.