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

capital one closed my account with no phone call, no letter, and no email notice. I go to make my online payments and it says restricted. I call in and its states closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have had these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/XXXX, The day before XXXX. I dont think its right that they dont give you a warning or notice that this could occur. This has messed up my credit attempting to get a house and I was getting a bonus check to pay all 3 cards off on XX/XX/XXXX. We were just advised that on XXXX Friday. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car on XX/XX/XXXX, and on XX/XX/XXXX I was in an accident and totaled my car I just purchased. My loan is with Wells Fargo Dealer Services. My Insurance company XXXX XXXX and I did not come to a settlement until over a month later. Wells Fargo 's representatives called me and asked me to take the offer XXXX XXXX was giving me which was not going to pay me full value for my car and not pay the rest of my loan off. I XXXX took the offer and Wells Fargo was paid {$6200.00} on a {$6800.00} loan. This left me a balance of {$570.00}. Wells Fargo got the check in XX/XX/XXXX and I reviewed my credit report in XXXX and Wells Fargo is reporting I am 30 days late on payments. But how is that, when you got over {$6000.00} in payments. I tried calling them numerous of times and they keep switching me to different people in the collections department. I asked why they did not adjust my loan amount to fit the new balance. I spoke to a lady name XXXX in the Offices of the President in the Corporate of Wells Fargo, she would not give me her last name. Her extension # is XXXX, phone number is XXXX. 
She is the one that said she recommended that my remaining balance ( {$570.00} ) be forgiven because of the financial harm they have caused me. Account # XXXX. But after months of waiting on that, she said the company is not going to help me. On XX/XX/XXXX, I spoke to XXXX XXXX, extension XXXX. He said the best he would do for me is, if I pay the remaining balance of {$500.00} and they will take the charge off - off my credit report. I told him that was not good enough, because he said the 30 day lates would stay on my credit report. I told him that was not accurate. This company has caused me financial harm to my credit and defamation to my name. They have been reporting this false information on my credit reports going on a year now and I have suffered in higher interest rates on loans I have now
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I transferred {$4500.00} from my XXXX debit account to my Chime virtual account on XX/XX/XXXX. The money posted as available the following day, XX/XX/XXXX. Chime immediately restricted my access to my account and then requested personal information which I provided, repeatedly, in order to restore access to my account. They have since ceased responding and it is now XX/XX/XXXX. They are withholding my funds, refusing to release them or reverse the money transfer, and denying access to my funds AND my account.
Product: Mortgage

My current Mortgage is with Specialized Loan Servicing LLC : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX. I am trying to ReFinance, but the new lender can not move until I settle a Forbearanece with Specialized Loan Servicing LLC. 
I called Specialized Loan Servicing LLC and they stated I do not have a Forbearance. I asked them to send me a letter to such, so I could move forward and they haven't. 
I am caught in this revolving circle. I have always paid my mortgage on time and it was never short. Even with Covid issues everywhere, I was still about to pay the full amount on time. 
The new company stated that some companies actually put Forebeances on accounts without the customers asking for it ; maybe that is what this is. I don't know. I just need to keep this process moving. I don't know what else to do. Its been weeks. I've attached my last payments, my mortgage and another file for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX put credit inquiries on my report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize these inquiries and I would like them removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company- TRANSUNION XXXX Called and was stated to file complaint with FTC XXXX 

Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

We are a small woman owned business who applied for and received a Spark Business Credit Card from Capital One. We began using the card it in XX/XX/2016. At that time the interest rate on purchases was 17.24 % with a credit limit of {$30000.00}. 

We continued to make payments on a regular basis. Unfortunately, we had company checks stolen from our local mailbox. For many reasons, it would have been too complicated to completely close our account so our bank ( XXXX ) worked with us to rectify the situation. We have a multi-step authorization processes in place before money is released. 

After the theft, although we made timely payments for two consecutive months, they were electronically rejected by Capital One. We were unable to resolve the issue through customer service and eventually had to find a branch and physically go over to bring them a check. We were charged late fees on both occasions. Suddenly our interested rate was raised to a predatory 30.650 %!!!!!! 

We have spent hours on the phone, gone to the branch, and written letters. No one seems to have any authority to do anything or will provide the name of a person who can do something to resolve this. We are desperate. First we were victims of thieves, now we are victims of Capital One. Please try to help us! 

.
Product: Debt collection

To FIRST CREDIT SERVICES/ Whom It May Concern : I am writing to formally dispute the alleged debt of {$220.00} reported by First Credit Services on my credit report. I believe this debt to be fraudulent, as I have never had any relationship with your company or the original creditor. Furthermore, I suspect that my identity may have been stolen, leading to this erroneous entry on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation and verification of this debt. To resolve this matter promptly, I demand that you provide the following documentation : Proof of Authorization : Evidence demonstrating your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to handle and collect this debt.

Legal Basis for Collection : A detailed explanation of the legal grounds upon which this debt is being collected.

State Authorization : Proof that your organization is authorized to operate and collect debts in my state of residence.

Evidence of the Alleged Debt : A complete and accurate copy of any contract or agreement, including my signature, that would obligate me to this debt. 
Full Account History : A comprehensive account history, including any charges, fees, and all collection-related activities. 
In accordance with 15 U.S.C. 1692g ( b ), I demand the immediate cessation of all communication and collection activities until the alleged debt has been validated as required by law. Additionally, under 15 U.S.C. 604 ( a ) ( 2 ), I remind you that no information regarding this debt should be reported to any credit bureaus without my explicit written consent. 

Your actions in reporting this alleged debt to the credit bureaus and attempting to collect it violate several key provisions of the FDCPA, including : 1692d : Prohibiting harassment or abuse in the collection of debts.

1692e : Prohibiting false, deceptive, or misleading representations. 
1692g ( b ) : Requiring the proper disclosure of my rights and validation of the debt.

1692f : Prohibiting the use of unfair or unconscionable means to collect a debt.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX, XXXX XXXX XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. ALL INQUIRIES AND ALL COLLECTION ACCOUNTS REFLECTING ON CONSUMER REPORT ARE FRAUDULENT. This fraudulent, inaccurate, and false information consists of an automobile account opened at NATIONAL CREDIT MANAGEMENT WITH AN UNKNOWN Account number, WITH A BALANCE OF {$18000.00} ( FRAUDULENT ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
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. 


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 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 XXXXXX/XX/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 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, credit repair services, or other personal consumer reports

santander consumer usa, and XXXX keep reporting charged off accounts on my credit file for XXXX as past due with recent past due payments and santander is changing the balance due. both companies are also reporting new dates for past due balances when the accounts are charged off. i also sent in a police report and ftc id theft report to have those accounts removed from XXXX  i know this violates the fcra and i need those companies to remove those accounts from my XXXX credit file. this is illegal and it is preventing me from getting a new home
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted several dispute letters asking how the accounts that are reporting negative on my credit report were verified. no response was ever given to me and the accounts continue to report incorrectly. both equifax and XXXX are reporting these accounts incorrectly since they have not been verified and no proof has been given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed to TRANSUNION and XXXX about several credit cards they are reporting wrong. 
They dont budge, dont send proof of investigation and nothing is resolved. 

XXXX XXXX XXXX  reporting balance is XXXX but yet its XXXX but transunion still keeps same balance XXXX XXXX XXXX they show balance XXXX for months the balance is {$700.00} now last month it was XXXX XXXX  balance has shown {$1000.00} past 3 months but the balance is XXXX I have asked them to delete the following accounts because there closed, past XXXX XXXX of 6 years and they just refuse XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 5yrs 10  months old XXXX was opened in XX/XX/XXXX 6years old XXXXXXXX XXXX XXXX XXXX this acct was opened in XX/XX/XXXX 10years old XXXX of XXXX closed XX/XX/XXXX over 10 years old I have submitted request via mail three times the past two months.

Have information to prove it
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is claiming to need my identity information to send me the results of a continuing investigation. I requested an investigation XX/XX/2018, they sent without identifying information the results on one item from the list below. Lexisnexis continues to report unverified information to my credit file in violation of FTC regulations and not requiring ALL consumers provide this info. 
Additionally, LexisNexis has violated the FCRA 30-day regulation. The following items in question should be removed from my credit report. 

US BKPT CT IN XXXX XXXX not mine US BKPT CT IN XXXX XXXX not mine US BKPT CT IN XXXX XXXX not mine
Product: Debt collection

This account was opened in my name from identity theft, I have already filed a police report. This account needs to be removed. 
Someone stole my info to open a XXXX  XXXX account now it's showing on my credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, US DEPT ED : XXXX. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I have faxed and mailed these same disputes to transunion many times and they refuse to respond or to do an investigation on the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed to have this account deleted from my credit report multiple times. 
The account was with XXXX XXXX XXXX  XXXX. 
The amount XXXX has been written off. 
Also the account is closed. 
Experian refuses to delete this from my credit report. 
The investigation did not last 30 days. 
I received my recent dispute investigation within 3 days. 
Experian is not investigating my disputes fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this investigation to be looked at further, and deleted from my account as the information is inaccurate and falls.

It is displaying late payments on my account that were not in fact late one of them. I had a freeze on my account and was not obligated to make a payment during that time in which case they still reported late.

The most recent one was due to me, selling my car to a dealership. I was promised, and also signed a contract that Id be no longer responsible for payments or for this car and instead, they reported a late payment when the car was in fact no longer my responsibility, nor in my control. 


Ive been told by two different Ford managers that it is actually illegal what XXXX did in buying out my lease before the payments had run out, I was not aware of this, and during that time is when another late payment was posted I am asking for this negative report to be immediately deleted from my file as it go against my rights and regulations in credit reporting by being falsely recorded information. 

I have tried many times to call to resolve this. The manager at XXXX consistently for the last year has said he would and it never has fallen off my report and Ive also called FORD MOTOR CREDIT.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX agreed with XXXX XXXX XXXX that the charge off would be removed after payment of the debt as settle in full on date XX/XX/year> this needs to be removed off the credit report per agreement.
Product: Credit reporting or other personal consumer reports

I was not approved to buy a couch because they said I have had a collection on my account within the last 90 days. That is true however I disputed it and it was deleted off my credit. I had no knowledge of this account and believed it to not be mine.
Product: Credit reporting

Dating back to XXXX 2015 I was contacted BY XXXX regarding my auto loan. They claimed I was not paying my loan and reported me to the credit bureaus. I tried to work with XXXX, providing documentation, including trace numbers from the bank and they sent me in circles for months. XXXX Bank advised me to file a complaint with all 3 credit bureaus. All 3 bureaus refused to investigate despite the substantiated documents that the lease was paid on time.
Product: Credit card or prepaid card

I opened up credit card accounts with Capital One, XXXX   XXXX, XXXX XXXX XXXX, And XXXX XXXX. I only wanted a minimum amount of credit of XXXX for each card. I got from Capital One I believe was XXXX, and somehow I got an invitation from XXXX XXXX to open a line of Credit ( I never asked for ) ... they too charged me XXXX. XXXX XXXX forced me to take XXXX, I only wanted XXXX, and no more than XXXX. They opened my account at XXXX. When I lost my employment and was unable to make my monthly installments on time they kept tacking on interest rates that were too high for me to keep up, so I closed All of my accounts. Since my accounts are closed, are they still able to charge high interest to the accounts? I've asked for payment arrangements, and extensions to be able to pay my debts, however ; I wasn't able to keep up with payments, so they started to harass me with unwanted phone calls.
Product: Student loan

I attended XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I currently owe {$56000.00} in loans. I am just beyond upset and frustrated that I am paying back a loan which charges $ XXXX/day in interest to a company that took over my loan from XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX and unknowing at the time I now know that their financial issues were an issue way before I graduated. I do not feel that it is my responsibility to continue to pay for this loan, the company my loan is with they should be forgiven. The interest I am paying alone with this loan will have me in debt with this for my lifetime and that is just not fair seeing as how the school closed and went bankrupt. I am a single mom and was a single mom when I attended XXXX XXXX. To have to owe {$56000.00} to a school that no longer exists is just mind boggling. I know I am not the first to complain about this and I may be a little late with my complaint but financially this is going to be such a burden on me and I just want for this issue to be looked into a little further.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the correction of late open accounts. This marks the many formal attempt to address this matter. 

As previously discussed, there appears to be an error in the opening dates of certain accounts listed on my credit report. Despite my repeated requests, the necessary corrections have not been made, and these inaccuracies continue to affect my credit history negatively. 

I kindly request that you prioritize this issue and take the appropriate steps to rectify the opening dates of the accounts in question. Ensuring the accuracy of my credit report is crucial for maintaining my financial integrity and credibility. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX  XXXX Balance : XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX  XXXX Balance : {$520.00}.