23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Since XX/XX/XXXXXXXX  Capital One restricted access to my XXXX ending in XXXX. They requested a copy of my identity documents, proof of residency and 3 most recent bank statements. I provided them all of those items. 
On XX/XX/XXXX I spoke with a supervisor named XXXX and discussed the timeline of events and how I was told one thing by one supervisor on XX/XX/XXXX named XXXX and then told something completely different from another representative named XXXX on XX/XX/XXXXXXXX  and then something different on XX/XX/XXXX by XXXX, and then something different on XX/XX/XXXX from XXXX and something different on XXXX/XXXX/XXXX with XXXX and again something different with XXXX and XXXX on XX/XX/XXXX and that Capital one has been giving me the complete run around regarding lifting the restriction on my account. I was given contradictory information about what was needed, being told that I had provided everything and then being told I needed more, etc. 

I told XXXX on XX/XX/XXXXXXXX  on the recorded phone call that if Capital One can not seem to make up their mind or adhere to the same request to close my Capital One Account. 

On XX/XX/XXXXXXXX  Capital One closed my account ending in XXXX and placed a remark on my credit report indicating that it was closed at the credit grantors request, which is erroneous, because it was supposed to be closed by the consumers request, the request I made on XX/XX/XXXX. 

Additionally, I was told by another supervisor named XXXX on XX/XX/XXXX that after reviewing the notes in the account capital one had sent me out a letter I hadnt received yet and that it stated capital one was closing my account because capital one observed the account was used inconsistently to other accounts. XXXX then said this is a general letter sent out and is sent out when capital one observes returned payments or frivolous disputes being filed and he said there are absolutely none of those present on your account. He said he was going to send a note to the back office to look into this further. 

I called capital one back again on XX/XX/XXXX and spoke with XXXX a supervisor in the fraud department who said the note sent to the back office had been responded to and there was no change to capital one 's reason for closure of my account. 

So they have closed the account based on reasons that are only known to me by reasons in a default closure letter. They have closed the account for false reasons and they will not even provide me with the actual reasons that they had. This goes against the Equal Credit Opportunity Act ( ECOA ). Capital One has denied me of my private statutory right to receive the specific details that they are alleging I did, Capital one is depriving me of the educational benefit of such information, and the ability to engage in the informed use of credit. Capital One has deprived me of the opportunity to correct any misinformation that it may have acted on. And Capital one has wrongly remarked my account to the credit bureaus XXXX, XXXX and XXXX to make it appear as if I have done something wrong and they are defaming my name to other creditors under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my consumer report and noticed that Transunion LLC was reporting an inaccurate account on my credit profile. Neither XXXX nor XXXX has this account on my credit profile. This is a violation of 15 USC 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. No other consumer reporting agencies have this account listed on my report. This makes this company also in violation of 15 USC 1681e- Compliance procedures ( 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. I am requesting the information from the original creditor and also an investigative report as to why this account is reporting on my consumer report. 15 USC 1681g Disclosures to consumers ( a ) Clearly states Every consumer agency SHALL, upon request clearly and accurately disclose to the consumer : all of the information in the consumers file at the time of the request.
Product: Mortgage

Our law office represents a client who has a mortgage with HSBC. We called simply to get the accurate address to send a " Notice of Error ''. We spoke to the HSBC representative at XXXX after dialing XXXX. She refused to give an address to our office so we have used the address for " Error Resolution '' on their website, HSBC, XXXX XXXX XXXX, FL XXXX
Product: Student loan

I have private student loans that were taken out with XXXX and later sold to Navient. They never allocated my payments correctly and I would get harassing calls that certain loans were late and charged late fees. Also sometimes they would take the payment out of my account three times in the same month and I would have to call. Unreliable times to fix this. My loan amount never decreases. It atays the same or actually keeps increasing. They would have me.pay for deferment and tell me I would get the money back after making a certain amount of payments on time. However the loan never received this money nor did my balance ever decrease. Now they are telling me I owe an ridiculous payment that I can not afford and they tell me they will not even consider helping me until I default for three months. I have always paid my student loans even while facing unemployment and I can not afford what they are asking. They say they can help when I call but do nothing. Even if I communicate with them regularly. I have cosigned I have not seen or heard from in years. I ca n't get any help they say until my cosigned refuses to help me. I do n't want to default but it 's as if they are telling me I must.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and address the erroneous reporting of a debt by Elan Financial Services on my credit report. Despite numerous attempts to resolve this matter, I, XXXX XXXX, have never owned an account with XXXXXXXX XXXX XXXXXXXX XXXX I have provided Elan Financial Services with ample opportunities to rectify this mistake, yet I am continually being harassed by their reporting of a debt that has not been legally verified. This baseless reporting has led to unfair damage to my credit, and I am now left with no choice but to escalate this matter. Elan Financial Services has failed to provide any legitimate evidence. Instead, I have received frivolous documents pertaining to an alleged online application, which do not satisfy the legal requirements for verification. I have a comprehensive record of all correspondence, requests, and responses ( or lack thereof ) from Elan Financial Services and the credit reporting agencies. Despite my repeated efforts to resolve this matter, I am being ignored, and no meaningful action has been taken by Elan Financial Services or the credit bureaus to address this issue. This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested hat Elan Financial Services immediately provide verifiable proof of this debt, including the original consumer contract bearing my wet signature, a copy of my valid drivers license, and a full and clear explanation of how this debt was verified. But received nothing still just computerized billing statements.
Product: Debt collection

The debt collector was hired by my former to collect a debt that should of never been reported by the landlord this company took 20 points off my fico score and it cost me a mortgage loan because of this they refuse to put those 20 points back on my score and the landlord they just dodge my questions with excuses they need to be held accountable to for this there was no excuse for this at all none.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$540.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection was pay to delete however, the balance is still reporting on my credit report. I have attached a copy of the receipt from XXXX dated XXXX for payment in full of {$540.00}. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

The company has failed to remove the credit information being reported to multiple Credit agency 's. The information they areProviding g to the agency 's is inaccurate. They failed to provide proof of debit, dates of debit, and bankruptcy discharge information ect. I have had no account with XXXX for over 10 years.
Product: Debt collection

On XX/XX/XXXX, I filed a Chapter XXXX through the US Bankruptcy Court. Notice of the filing was sent to AD Astra Recovery Service and their client XXXX XXXX XXXX After receiving notice, they violated the immediate " automatic stay '' by reporting the debt to the Credit Bureaus. They have each month continue to collect the debt by reporting the delinquency each month. The last update was on XX/XX/XXXX. I spoke to a team lead and then to the Collections Supervisor, XXXX. In a recorded call, she affirmed receipt of the " NOTICE OF BANKRUPTCY '' and that " they will continue to collections process until the debt is discharged ''. I advised her that her collections activities were in violation of the Bankruptcy laws. She advised that they will continue the process.
Product: Student loan

I am currently eligible for forgiveness under the PSLF program. Ive submitted an employment certification through XX/XX/XXXX. The department of education has refused to acknowledge both my XX/XX/XXXX and my XX/XX/XXXX payments. Other borrowers do have payments from these months posted under their XXXX tracker. XX/XX/XXXX is my XXXX payment qualifying me for forgiveness. I have spoken with multiple customer service representatives, each of whom give me a different answer as to why these payments are not currently showing. When I download my XXXX XXXX they are reflected. Additionally, customer service representatives can see these payments so the issue is not with the servicer. The department of education needs to add in XX/XX/XXXX and XX/XX/XXXX payments and move forward with processing my loans for forgiveness under the PSLF program.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed unkown companies have done credit enquiries on my credit report. I did not authorize nor was i ever affiliated with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 card or prepaid card

I am sure you are aware of 88 Stat. 1514, and FDIC 6000 Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and my rights as a consumer. I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from Synchrony Bank for the interest I have earned, as a result of Synchrony Bank is trading my securities on the exchange. This has been done with out my knowledge and constitutes that Synchrony Bank trustee listed above is committing SECURITIESFRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192- All debt is government obligations.15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX This is a charge off account with a balance. I just received a copy of my credit report. I was shock to see that you are reporting this account incorrectly .This collection account is reporting not only as CHARGE OFF, but also shows a past due balance of XXXX dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting or other personal consumer reports

It has come to my attention that these delays and the lack of resolution are potential violations of federal law, specifically the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681e ( b ). This section mandates that consumer reporting agencies must adhere to reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. Given this, I kindly requested that XXXX provide me with a detailed description of the investigation process as outlined in 15 USC 1681i, Section 611 of the Reinvestigation Procedure. 

I must emphasize that, as per 15 USC 1681i, Section 611, a consumer reporting agency is obligated to furnish the consumer with a description of the investigation no later than 15 days after receiving a request. Unfortunately, this timeline has elapsed without any communication or compliance from XXXX. 

Furthermore, I draw attention to 15 USC 1681, which addresses the treatment of inaccurate or unverifiable information in general. It stipulates that upon completion of a reinvestigation, if any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is required to promptly delete or modify the relevant item of information. To my dismay, there has been no such corrective action taken by XXXX. 

These persistent issues not only violate federal law but also inflict significant harm on me and my family. The evidence and documents submitted to XXXX and other credit reporting agencies have not received due process, thereby undermining my consumer protection rights. 

I urgently request your immediate attention to this matter and a comprehensive investigation into the inaccuracies on my credit report. As a consumer seeking fair and accurate credit reporting, I anticipate your prompt adherence to the FCRA guidelines outlined in this letter. 

I look forward to a swift resolution and appreciate your cooperation in rectifying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial Services gave me an extension on my loan due to Covid. I also changed my billing date from the XX/XX/XXXXof the month to the XXXX of the month around the same time. This extension was reflected in my bill. The bill continued to be {$0.00} every month, with {$0.00} in late payments and interest. This continued into XXXX, when I thought my bill would be due. I called XXXX several times to discuss. I was told that due to my date change and due to the extension, that I would receive an extra month as it was reflected in my bill that a payment came in during the extension ... although I can not make heads or tails out of their accounting. Regardless, I have copies of all my bills that reflect {$0.00} due and {$0.00} in arrears. My XXXX bill came with the normal balance of my car payment. I made the payment on time. I was also notified by XX/XX/XXXXthat XXXX put a marker on my credit and it took XXXX points off my near perfect ( XXXX ) credit rating that I have proudly spent my life building with on time payment on all my accounts. XXXX has acknowledged their mistake to me and last month told me they would dispute the credit reduction and fix the problem for me. I just receive a new bill for XXXX, telling me I owed them over {$1600.00} in current billing and arrears. I called XXXX again and was told they refuse to remove the marker on my credit, that yes they were wrong, but I should have known I owed them money even though their bills reflected that I didn't. This was an entirely different conversation than the previous one I had. So XXXX had internal billing issues, which I questioned in phone calls, was told to just pay my bill when it comes due, which I DID, they ruined my credit rating and refuse to fix it now. I have copies of all their bills and they say that I should have paid money that I didn't know I owed and had no way of finding out what I owed because their bills didn't reflect that.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The amount received on the letter for account XXXX shows {$690.00}. However upon logging onto the website as instructed on the letter the balance in full of XXXX was the only balance reported under any account or option under my name. This was paid in full and the collections agency now claims I owe more money under this account number and states only a partial amount was paid. This is an error from the collections agency and should no longer pursue debt in my name. See attached proof.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( 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.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This means that utilization and balances do not belong on my report as they are solely transitional.

15 U.S. Code 1681s - Administrative enforcement ( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax is not maintaining reasonable procedures. 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of all late payments, utilization, high balance, available credit, reported balance, actual payment made, and amount past due being reported on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and notice several incorrect accounts. I feel that these accounts are adversely affecting my credit report and causing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me and ensure that they are indeed accurate.