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

On XX/XX/XXXX I received an Email from XXXX XXXX saying that my credit score had dropped. I was wondering what happened and called capital one. They said they had a returned payment on both my cards. At that moment I paid the full balance of both cards off they had just closed 6 days before. That being said I never got a call saying they were going to be closed and they were not delinquent or any notification and was always on time with payment. They closed my account saying there was fraud but there was no fraud. I paid the balance and in XX/XX/XXXX they said they would open up my accounts again. Then I was told give it 8-10 business days for a response. I called on XX/XX/XXXX and they said the report was just submitted on XX/XX/XXXX. And that it would be 8-10 business days till I get my response which would make it really 19-20 business days in all actuality. I am now stuck with a much lower credit score and unable to find a place to live. Capital one has been really disrespectful when I call in and has also been very bad when upholding the at good faith part of the agreement. When I call them they are aloud to record me for quality assurance but I can not record them because they would alter the recordings if we went to court. That being said I have been treated badly through this situation and they are nowhere near a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 In my complaint today I am addressing ongoing incorrect information on my credit report. I operate a XXXX XXXX and accurate credit reporting is all I am asking for to be corrected. My charity works with veterans on suicide prevention and we rescue wild mustang horses and re-purpose them. 
I am asking for the CFPB to look into the history of not only me but others as there are numerous complaints similar to mine. I feel after my discussion including showing up at the office headquarters in XXXX XXXX NV I am be retaliated against. I am just not sure of why? 
I am attaching screenshots and multiple proofs including multiple contacts with XXXX XXXX including in person visit please compare my photos attached at their headquarters. I am also attaching screenshots from XXXX XXXX own app and my bank account. I am now being purposely targeted for a discussion that became heated with one of their customer service agents. So they are going out of their way to punish me. I am looking for resolution by either deleting ALL late payments or deleting the account entirely as acceptable. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Please refer to the attachments which show : Statements from XXXX which is where I pay the account From XXXX XXXX phone app Photos from XXXXt XXXX headquarters Letters and proof of multiple attempts to correct this Multiple IDs verifying my identity I am begging for help. I understand we live in a politically charged world. I am just trying to help our veteran community which is not popular but I am asking for reasonable solutions. 

Respectfully, XXXX XXXX
Product: Checking or savings account

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize this inquiries on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

The following items listed below are unknown to me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$43000.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XXXXXXXX Balance : {$6600.00}, XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$1500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$14.00}, XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$5.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$540.00}, XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$22.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Denied auto insurance due to report from Lexis Nexis. Four ( 4 ) attempts via email, calling office ( no assistance ) and finally writing resulted in Lexis Nexis stating they DID NOT have any record of my report, can not verify whether a query was made or not and have no record of reporting to any insurance companies despite my receiving multiple letters from Lexis stating I should request a copy due to homeowners insurance denial letter due to their reporting information. " You need to request a copy of your report. '' - Per Lexis To date no copy of my report has been forth company from Lexis Nexs.
Product: Credit reporting or other personal consumer reports

3 round of disputes company failed to provide any documents of negative accounts!
Product: Credit card

I had a promotional 0 % balance with Capital One, which involved a 0 % interest rate on a balance of approximately {$15000.00}. Throughout the duration of this promotion, I diligently checked my monthly statements to monitor when this offer would expire, as I intended to pay off the balance before the standard interest rate applied. However, in my XX/XX/XXXX statement, there was no indication or warning that the promotional period was ending, nor in the statements prior. To my surprise, on my XX/XX/XXXX statement, I was charged an interest of {$350.00}. 
Upon discovering this, I immediately paid off the remaining balance and contacted Capital One customer support for clarification. A representative initially agreed that the situation was misleading. However, upon escalation, a supervisor ( XXXX, ID : XXXX ) denied any deceptive practice and refused further escalation or formal complaint procedure, stating that Capital One would not address my complaint further. Additionally, when I requested documentation showing the terms of my promotional offer, I was sent a statement from a XXXX XXXX  dating back to XX/XX/XXXX. 
I believe this situation constitutes a clear case of deceptive practice, as there was a failure to provide adequate notice regarding the end of the promotional period, which is a key piece of information for any consumer managing their credit card balances responsibly. This lack of transparency has resulted in an unfair charge that I was not prepared for, nor was I properly informed about in a timely manner.
Product: Debt collection

I have been disputing this account with the credit bureaus and directly with the collection agency. They Never sent me a notice of my right to dispute the debt under 15 USC 1692g. They only finally responded when i started to dispute the debt. They also continued to contact me even after i sent them a certified letter telling them not to contact me.
Product: Debt collection

I discovered 2 accounts placed on my credit report that are showing as Closed, Late, Charge Offs, both with incomplete account numbers from XX/XX/XXXX and XX/XX/XXXX respectively. XXXX XXXX acct XXXX Opened in XX/XX/XXXX Closed in XX/XX/XXXX and Applied Bank Acct # XXXX Opened in XX/XX/XXXX and Closed in XX/XX/XXXX. I have disputed these accounts as unverifiable and requested supporting documentation according to the XXXX XXXX Compliance and to obtain validating proof from the creditor showing a signed contractual agreement bearing my signature. I have also contacted the creditors via certified mail requesting the same information and have yet to receive the requested validation. This is a violation of the FCRA and FDCPA and Experian is allowing this to continue after over 10 months of requesting validation.
Product: Student loan

I originally borrowed close to {$50000.00} for graduate school. At the time, I borrowed from XXXX XXXX at the time a reasonable interest rate of 4 %. During the period of two years the rate was consistent, but then was transferred sold to a XXXX bank and had ballooned to 9 %. Now, I owe close to {$400000.00} since 1997. I have never been able to pay the monthly payment and have since enrolled in an IBR. I have also applied for the Public loan forgiveness program in Hope 's of salvaging some sort of life with this debt. I was never made a ware the loan could reach such heights with the end result of all that investment leading to a trap. It's unfortunate everyone is vulnerable to such bad lending practices. Please help us.
Product: Student loan

I was automatically switched from the REPAYE program to the SAVE program. 
The payment was calculated incorrectly according to the information prior to the covid pause, which is allowed by the federal government until my recertification date of XX/XX/2024. 
They did not take into account my family of 4, my payment is calculated based on me being single, nor did they take into account my spouse 's student loans. 
This has led to my payments being almost {$400.00} higher than they should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I applied for credit with Conn 's a week are two later I received a call from a lady name XXXX telling me I had been approved for XXXX. I told her I'd come in that following weekend AndWhen I did make arrangements to go in I called XXXX from outside to make sure she was correct about what she had told me bout the credit amount for me. She assured me it was correct. When I got inside she greeted me and told me to look around. I finally chose a freezer which was XXXX she went to check her numbers I was just trying to establish a credit line.When she returned she told me the credit line would be from someone else in the store Preferred lease but nothing about a change in price are anything.They tried to go up on what I had decided to get but I didn't. Now after in being XXXX  in XXXX and being late with my payment I find out that are charging me {$940.00} for the freeze.I have the invoice I was given say 's chest freezer XXXX and XXXX deliver.Now I see they're on my credit report for XXXX. So not fair. Help me please Im on a fixed income and I never would have gotten this I could have bought a freezer for XXXX at XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in in light of the recent CFPV lawsuit, highlighting significant issues with the platform.I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in in light of the recent CFPV lawsuit, highlighting significant issues with the platform, despite using Zelle New numerous times and reporting discrepancies my financial institution and failed to investigate. My claims adequately informed me that recovering loss funds was impossible, and the tracking these transactions was unfeasible the CFPBs Findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about safety.
Product: Student loan

I have been paying on my loans for several years with occasional deferments due to internship and residency. I received a letter dated this past XXXX stating I have not made my first 12 payments on time and that a 1 % and .5 % loan credit is being retracted. I called to get information about this situation to which I was told a payment was made late. The school I am attending automatically put my account into " in-school deferment '' which I did not ask for. I called to request this be reversed. I was told it was. I made payments according to bills received and income-based payment plan. Again when starting the next class of my program I was put into " in-school deferment '' which I did not ask for. When I called I was told that is automatic and can not be reversed " until the six month deferment runs out, but you're more than welcome to make payments on those accounts. '' I have continued to make payments only to be told that one month was late ... a month that was in the middle of this in-school deferment I did not request. I was informed years ago when setting up payments that there is a " grace period '' in which to make payments with no penalty. On my last phone call I was told " there is no grace period. '' With this retracted rate, this had added approximately {$30000.00} more to my credit report and student loan debt.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have disputed these issues so many times and still no outcome, first I am a man, my last name does n't change Experian has XXXX names on my credit file that are NOT mine which are XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX XXXX, there are so many business inquires listed on my personal credit file. When I apply I use my XXXX so they should not be listed on my personal credit file. Experian has never once investigated my complaint. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent XXXX XXXX XXXX and Debt Validation to XXXX and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from " XXXX XXXX '' advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my XXXX acct number, or social security number, DOB and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the XXXX account has been closed and the amount has decreased. Still no update from XXXX. 

XXXX has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX, etc.
Product: Money transfer, virtual currency, or money service

I sent a Wire Transfer on XXXX XXXX, 2017 in the sum of {$5000.00} to Coinbase and received this email the following day : " XXXX replied : Hi there, This email is regarding a wire that was sent to your Coinbase account. 

Unfortunately it appears that the legal name on the wire we received is the name of your bank. Please work with your bank to correct this. 

In order to wire funds to us, the name on the wire must match the name on the Coinbase account. Because of this we will be returning the wire, and the funds should arrive in your bank account within a 3-5 business days. 

Moving forward, please wire funds from a personal bank account held in your name to avoid any wire processing delays. 

Thanks for choosing Coinbase! '' It was stated that the funds will arrive back to me within 3-5 days, but as of today I have not received the fund back in my account. There is no reply when contacting support or any information as to where the money has gone. It is a fraud that this company is able to withhold money indefinitely without providing any means of contacting someone who is able to correct the issue. 

The coinbase case number that was provided to me is : XXXX
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. 

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. 

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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Sent a letter and got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Global Lending '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year I have been dealing with an unauthorized inquiry from XXXX XXXX. Reporting an unauthorized inquiry. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. 

I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. They admitted on there recorded phone line that I XXXX XXXX never had a application nor an account with XXXX XXXX XXXX. 

I also contacted XXXX, XXXX, and TRANSUNION. Which each company placed blame on the other and advised me to call the CREDITOR and call the CREDIT BUREAU. Call the CREDIT BUREAU call the CREDITOR. It became very immature and aggravating. I was not able to get any sufficient answers nor any resolution. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

According to 15 U.S. Code 1681s2, XXXX XXXX has a duty to provide accurate information to the consumer reporting agencies. It is prohibited by law to 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

If, after any reinvestigation under paragraph ( XXXX ) 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 consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : Accounts to be removed Elan financial these accounts were fraudulently opened i was also threatened by the criminals to do certain things I did not want too. Please remove the two Elan accounts from my report immediately. the fbi was contacted and police report filed. XXXX, XXXX and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies. 

Please remove Accounts ending in XXXX and XXXX from my credit reports immediately, I was threatened and had to make certain payments and do certain things i did not want to do on the account. please have these accounts removed from my credit.