23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a Credit Card with Capital One for over to years and have NEVER made a late payment. A few months about i decided to open up a 360 Checking account with Capital One on line. They sent me a Debit card and i began using the product. On or about XX/XX/2018, I received a text message from Capital one stating that my funds are not available for withdraw and to please contact Capital one. They stated that they are conducting an investigation on my account and for me to call them back the next day. Capital One ' illegal failure to properly investigate an alleged fraud and Capital One 's illegal behavior in WRONGFULLY CLOSING MY ACCOUNT, UNDER THE pretext of a " business decision to close '' This behavior violated various regulations and laws, including the Consumer Financial Protection Act, the Dodd-Frank Act, and 15 U.S.C. 45 which prohibits " unfair or deceptive acts or  practices in or affecting commerce. As of today, they are stiling holding my funds ( {$2200.00} ) and gave me no reason for closing my acount. This illegal act caused my XXXX XXXX XXXX to be late, droping my credit score from XXXX XXXX. Why are they stiling HOLDING MY FUNDS. WHY DID THEY CLOSE MY ACCOUNT WITHOUT ANY NOTICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 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. 

XXXX XXXX XXXX XXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to temporary lift a security freeze on my account via the experian web site. I did not have my password but the website did not allow me to reset my password. It said that is was locked and I should call XXXX. I called the number but get into an infinite call tree. I was unable to speak with anyone and I'm unable to do anything online since it says I am locked out and there is no way to get out of the lock out. Very irritating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three disputes were submitted to XXXX  and before they could even re-investigate the disputes that have been disputed before, they come back within an hour and said the information on these particular items are accurate and up to date. NO IT ISN'T!!! The two companies in particular, XXXX XXXX XXXX XXXX and a regular XXXX XXXX are lying on the credit report. When this company was contacted, they couldn't give me any information on these accounts but for some reason, they are giving false information to XXXX as well as XXXX and Transunion. This is pure fraud XXXX XXXX is committing and XXXX rushed to judgment and is deciding to believe the company instead of really digging into the information. According to an attorney that I spoke to, XXXX XXXX XXXX XXXX and the regular XXXX XXXX account should be removed once and for all. These three credit bureaus have until the end of XX/XX/2018 to get these particular items removed or I will have this particular attorney contact them.
Product: Student loan

My original loan was due in XXXX of XXXX, but in the online system viewable to me, my loan appeared as " refinanced, '' and I was not allowed to make a payment. I called the servicer twice and emailed once, but the servicer could not resolve the issue. Finally, I contacted the school, and they contacted the servicer. The problem was resolved. I immediately made a payment. 

I thought this was resolved until I saw my most recent credit report. My credit score declined by over XXXX points. The servicer reported that I was delinquent on my XXXX payment. 

To summarize, the servicer would not allow me to make a payment but then reported me as delinquent.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding Navy Federal Credit Unions reporting of an incorrect address to the credit bureaus that is affecting my personal information.

Despite notifying Navy Federal of this issue, they have not taken effective action to correct the error, and their inaction may negatively impact my personal credit information as it is inaccurate. They told me the bureaus are the ones to fix it and yet the bureaus just report the address as provided by NFCU so it is on NFCU to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times ( using a credit repair service ) to write them to remove the late payments or closed accounts, and every time the credit repair company sends them a letter I get it back in the mail stating its " undeliverable due to incorrect address '' I have paid for these credit repairs services over the last 2-3 years and they write to this company and CHARGE me for each letter. The address listed on my credit account is WRONG and there's no way to contact them by phone number, the XXXX number listed in their " Customer service '' is false as well. The line rings and then connects and just stays quiet. Good luck sending them an email, they'll get back to you until you mention you want to delete the late payments and then they don't respond. I'm in the process of trying to purchase a home and the COUPLE of late payments are hurting my score, and also my husbands.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish a account without my my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unbeknownst to me, while on vacation in XXXX, for 4 weeks, an automatic payment to XXXX XXXX XXXX XXXX XXXX scheduled on the XX/XX/XXXX was returned due to insufficient funds on my account. 

Upon returning from vacation, my investigation on my account led me to the conclusion that because of the bank imposing a hold on a check I deposited resulted in this event. 

In this age of technology commerce, banks should not be allowed to hold funds longer than a day. The funds can be easily verified by making a call to the institution. My bank is local, therefore, it makes no sense on holding it for that long. 

Another note for Golden 1 to consider is that I have been a long time member and I have my pay check direct deposited to my account. 

I'm asking Golden 1, as an act of good faith, to indicate a technical errors caused the funds to be unavailable
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 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 Inquiry date : XX/XX/2022 XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : 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: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries on my credit report as per the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically referencing 15 U.S. Code 1666 ( b ) concerning billing errors. 

Upon reviewing my credit report, I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided. 

It is imperative to note that I did not receive a statement from the creditor at least 21 days before the due date as required by law. Therefore, any reported late payments are unfounded and constitute a billing error. 

I hereby demand that the creditor provides substantial evidence from their records that validates the alleged late payments. It is essential for me to be furnished with concrete proof that payments were not received within the agreed-upon time frame, as failure to do so would confirm the presence of a billing error. 

The erroneous late payment entries listed below must be promptly updated to accurately reflect my payment history : XXXX. Account Name : XXXX XXXX, Account Number : XXXX XXXX. Account XXXX : XXXX, Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX, Account XXXX : XXXX XXXX. Account XXXX : XXXX, Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX, Account XXXX : XXXX XXXX. Account XXXX : XXXX, Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

15 usc 1681B reasonable procedures states that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
That being said XXXX, XXXX, and experain are reporting accounts that I dont want on there that are not accurate! And 15 usc 1681a states ( 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! So all late payments are forms of a transaction I need all these things I want private and that are not accurate weather the debit was sold to another agency which means it was never mines if I wasnt there when it was being sold! Or the accounts are reporting as closed but still on my consumer report! Not to mention all of GAAP principals are being broken! Also experian had a massive data breach with all my information I didnt give permission for any reporting agency to report!
Product: Consumer Loan

I initiated contact with Chrysler Capital on Wednesday XXXX XXXX, 2015 to inquire as to what the dealer payoff for my lease vehicle would be. I was trading it in to the dealership and using the equity from the trade in to pay down the loan on my new purchase. At that time the dealership was provided a payoff figure that included the " lease buyout '' price of {$26000.00}, a {$350.00} buyout option fee and an " unpaid monthly payment '' of {$320.00} for a total of {$27000.00}. I called Chrysler Capital to inquire why I was being charged {$320.00} for an unpaid payment because my account was not past due and no payment was due until the XXXX of XXXX. The payment due on the XXXX of XXXX was for the least term of XXXX XXXX - XXXX XXXX ; however since I would no longer be leasing the vehicle as of the XXXX of XXXX, I should not be responsible for the XXXX XXXX payment for the next lease term. Chrysler Capital advised that when they generate a payoff letter, their system generates a figure that is valid for 15 days and thus because the 15 days was after the XXXX of XXXX XXXX when the next payment was due XXXX it would be included in the pay off figure ; however, as long as they received the payoff before the XXXX of XXXX I would receive a refund of at least the {$320.00} for the XXXX payment. The dealership mailed a payoff check on the XXXX of XXXX overnight mail to Chrysler Capital via XXXX with a tracking number of XXXX for the total amount of {$27000.00}. It was delivered on the XXXX of XXXX at approximately XXXX. As of today, XXXX XXXX my account shows that my payment is " past due '' and during my repeated attempts to contact Chrysler capital I have been told a payment of only {$27000.00} has posted to the account as of XXXX XXXX - yet they received the payment on the XXXX and they have no indication as to when ( OR IF ) I will receive a refund.
Product: Credit reporting or other personal consumer reports

Experian has an address associated with my name that does not belong to me. I've tried report the information as fraudulent ( reason being identity theft ) with Experian and their website states : " That reason can't be processed online. If you believe that this information appears on your Credit Report as a result of identity theft, contact us by phone immediately. ( XXXX ) XXXX '' However, when you contact them by phone as instructed, you are also unable to report the issue as you are not able to speak with a live agent. This is absolutely ridiculous, I've spent hours trying to correct this issue on various occasions and nothing has been accomplished. This address was used with my information to open fraudulent utility bills in my name after my information was exposed in a data breach, which has already been reported to the FTC. The outstanding collections remain on my credit report because this address is associated with my name hurting my score and Experian makes this issue impossible to resolve despite my many attempts.
Product: Credit reporting or other personal consumer reports

In accordence with the fair credit reporting act convergent. Account # XXXX. And 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
Product: Debt collection

ENHANCED RECOVERY COMPANY Reported : XXXX. XXXX, XXXX XXXX XXXX {$210.00} Opened XXXX XXXX, XXXX ( 1 yr, 3 mos I have reported this account numerous times through the means of credit reporting disputes and nothing has been done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian, XXXX, and XXXX asking them to remove my incorrect, names, address and phone numbers. They never responded. Please remove this outdated information.
Product: Debt collection

XX/XX/XXXX to XX/XX/XXXX Debt collectors were contacting my family members whom I DID NOT list as contacts. They had called a minimum of 3 family members, including my mother informing they were looking for me to collect debt.
Product: Payday loan, title loan, personal loan, or advance loan

My interest rate on a {$500.00} loan is 725 %!!!!! 

And I am not lying! I have a XXXX credit score, this is unconstitutional, and has to be clearly illegal! The American people are STARVING! We can not afford 725 % interest rates!
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing this account on credit reporting since XX/XX/2018, I have constantly try to explain to Diversified Consultants and the credit bureau that I never had cellular service with XXXX. I was with a company name XXXX for 17 years until they left this area, then I went with my present company ( XXXX XXXX XXXX ) been with them now 4 years. I have disputed this account continually with both Diversified and the reporting credit bureau and they keep tell me that the account is being verified. I asked for copy of any viable evidence, bearing my signature or any trace or payment I made to this account and neither company could not show any proof
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has called technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. My funds always come in Thursday before the Friday I get paid. The situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank your
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Debt collection

This account is being illegally reported on my credit report. I formally disputed it directly with BMW in regards to their illegal reporting, and have not received any satisfactory reply. 
After the car was sold, the lender was required to send out a second notice, stating the amount that they credited from the resale, as well as a cancellation notice of the original sales contract. I was never mailed that second notice. 

I contacted BMW in writing on XX/XX/XXXX advising that I have not received notification regarding the sale that was to take place near XX/XX/XXXX. I returned the car to the lender on XX/XX/XXXX. I received the notification of sell date XX/XX/XXXX and nothing afterwards until I reached out and sent my communication on XX/XX/XXXX. 

I contacted BMW prior to returning and advised that I would purchase the truck. They advised XXXX for the purchase.
Product: Credit reporting or other personal consumer reports

I have notified all three credit Bureaus Transunion, XXXX, XXXX and XXXX XXXX that XXXX XXXX  is not my account I have never done business with them. I asked for a copy of original paperwork to prove I did business with them. And if the account was sold to them from someone I never have permission to do so,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), it is emphasized that consumer reporting agencies, such as TransUnion, XXXX, and XXXX, must carry out their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. As the consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which articulates Congress 's policy that financial institutions must actively and continuously uphold customer privacy. Under the definition provided by this title, a " furnisher of information to credit agencies '' is considered a financial institution. Referring to 15 USC 1681 Section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the relevant consumer. I want to make clear that neither the financial institution nor the consumer reporting agencies ( TransUnion, XXXX, and XXXX ) have my consent to furnish this information, and they have never obtained my written consent through any means. Consequently, any and all consent granted to these entities is hereby revoked. Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to exercise the nondisclosure option. I assert that the " furnisher of information to credit agencies '' failed to inform me of my right to exercise this option. Highlighting 15 USC 1681 ( c ) ( a ) ( 5 ), it is explicitly stated that a consumer reporting agency may not include certain adverse items of information in a consumer report without authorization. The inclusion of adverse items without my permission is a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that furnishing inaccurate information to a consumer reporting agency is prohibited. XXXX and XXXX are not maintaining reasonable procedures, as mandated by 15 U.S. Code 1681 ( e ), designed to avoid violations of relevant sections. Finally, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at any time.
Product: Checking or savings account

On XX/XX/year> I deposited my federal tax refund check into Navy Federal Credit union branch located on XXXX XXXX XXXX XXXX XXXX. I receive a receipt stating my federal refund would be available next business day. Also per XXXX standards any federal or government check is available next business day. On XX/XX/year> I received an email stating they received confidential information that the check possibly not be honored. I immediately contacted XXXX XXXX and was informed this information was FALSE. I contact XXXX to inquire about their verification process, I spoke to XXXX whom stated the check had not been processed and they reserve the right to hold checks additional days. The email I received indicates something different. It gives the impression that this check is fraudulent. Unfortunately I have experienced this situation before with regards to a check from XXXX from the sell of my car. XXXX will unfairly holds behind reason until the check is issued as cash. I requested a supervisor response because I feel I am being discriminated against in regards with deposit holds. I receive emails that my checks are fraudulent but are then honored and cash. XXXX XXXX credit is mishandling my account.