23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One During Covid the conpany decided to close my credit card accounts due to stated not being payed. I reached out to the company about the covid relief payment plan system and was denied access to speak to a representative. During this time minimal postal services individuals was no longer working due to them being cut from their jobs during CoVID https : XXXX As mentioned I tried to communicate with them and they told me go into the banks to verify my information using my ID and during that time I was not able to do so. 

https : //www.capitalone.com/updates/coronavirus/ https : XXXX But for myself they did not I still am being told that I am owed the debt which is understandable but there should have been some type of options avaliable to me as they were for other customers. I also reported this information to XXXX for their review and still did not follow up with removing such pretentious items from my credit. 

The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act As stated by XXXX in black and white print : Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
Student Loan Information on Accounts : Closed accounts that are still reported as open Inaccurate payment reporting Incorrect status reported Loans listed as delinquent that shouldnt be Loans listed as in default that shouldnt be Individual loans displayed multiple times Loans listed under your name that you didnt take out
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Student loan

In the transition between XXXX and Navient my student loans which were being paid on monthly were thrown into default. I have hired a lawyer to help me resolve this issue, as it is impeding my credit and I am unable to buy a home. The debt collector and Navient both will not respond to neither me or my lawyer. I am eager to resolve this matter and become current on my loans. I owe approximately XXXX and the only response is to pay in full or I can not pay at all. They will not set up payment plans.
Product: Money transfer, virtual currency, or money service

Coinbase has completely ignored mine and thousands of others request for assistance on their platform. Their XXXX has spelled my name completely wrong ( XXXX XXXX instead of XXXX XXXX ) and now I can not sign back into my account due to identification procedures. I have trying to communicate this mistake and how to fix it and it has been 4 months with 0 response from this company. Coinbase does not help any of their customers support tickets and needs to be stopped and investigated. Look online for this company they are scamming and abusing their customers.
Product: Credit card

I've consistently upheld timely payments on this account, preventing any overdue instances. I'm unclear about the rationale behind the late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, adjustments should be enacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX began reporting a fraudulent address to the credit bureaus some time ago. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX. This is the address of a fraudster who redirected and changed all of my personal information thereby having all my mail go there. I informed both XXXX XXXX and Experian of this- several times in fact. Despite providing FTC Identity Theft Affividavits in addition to police reports ( yes, plural ), XXXX XXXX has not stopped reporting the address to Experian. Experian, despite assuring me that the address has been blocked, continues as of this moment to report the address. This is a gross violation of law as they both continue to knowingly and willingly, with obvious malice, to report fraudulent information on my credit file. As a result, this address is now part of my public record file. I have been attempting to resolve this since XX/XX/2019. I have given both companies ample time to correct this. As a matter of fact, I feel I have been extremely generous in the time I have alotted for them to simply stop reporting this fraudulent information. They have both been given several copies of both the FTC and XXXX PD reports. As of XXXX XXXX, XX/XX/2019, the fraudster 's address is still being reported to Experian by XXXX XXXX XXXX XXXX and Experian continues to list the address on my credit file.
Product: Debt collection

I am in receipt of communications from a Law Firm Named XXXX, XXXX, XXXX, XXXX and XXXX XXXX. They are representing Midland Funding LLC. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed, account number and charge-off date to any of my known account records, I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract, payment history, interest rate, name and address of the original creditor. To date I have not been provided any of this information yet they have served me with an IA civil case. I believe that this is a false debt and that they have more than likely purchased incorrect information. Please help.
Product: Student loan

I have contacted Navient on XX/XX/XXXX And advised of my refusal to pay the private loan debt according to my rights under the Fair Trade Commission 805 : c. I have requested that communication cease amongst myself, co-signer and other acquaintances. Since my request I have been unlawfully contacted by Navient on XX/XX/XXXX and XX/XX/XXXX. My rights are being violated by Navient once again. Please have Navient cease all contact according to ftc.gov code 805 : c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting

I contacted the credit bureau about fraudulent activity on my credit report and placed a fraud alert. There are inquiries not made by me that I requested to have removed and was denied. They told me to contact the creditor to have them remove the inquiries. I contacted the creditor who told me I need to contact the credit bureau as they can not remove it themselves because they can not find it in their system.
Product: Credit reporting

I have received outstanding bills that have been paid in full. The bills and proof of the payment has also been attached. The bills have not been removed by the credit bureaus and have negatively affected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report XX/XX/XXXX and saw that this collection agency XXXX XXXX was showing up as a collection and that I owe them a debt for {$990.00}. I sent them a certified letter with a return receipt to verify the debt with my signed signature. They sent me a letter back dated XX/XX/XXXX and it was great news that they had concluded its investigation of my dispute and are closing both accounts since I had 2 accounts with them and they are requesting that the three major credit agencies delete XXXX trade lines from these account on your credit reports. Shortly after that I got an update credit report showing they were both deleted but only off of 1 of the 3 XXXX, the other 2 Experian and XXXX only removed 1 and are still showing the other one. I sent them both a certified letter that I had received from the company again requesting that the second account be deleted also.They still have not removed it. I sent another certified letter again with no result so that's why I'm here. I got an alert that something new was on my credit report so I pulled my credit report today XX/XX/XXXX and my reports says a new collection has been added to my reports, again only on Experian and XXXX not XXXX so instead of deleting it they makes it appears to be a new account and my scores dropped by 49 points which is major and drastically. I am going to report this action to Attorney General and the XXXX XXXX XXXX today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my credit scores.
Product: Credit reporting or other personal consumer reports

The fraudulent name XXXX XXXX is tied to my credit report and Experian is not removing it. Please remove it ASAP.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2023, I ordered a bank check from XXXX XXXX  made out to the Internal Revenue Service for {$13000.00}. It was cashed at a WellsFargo bank, without endorsement or proof of identity on XX/XX/2023. I received notice on XX/XX/XXXX that the IRS had not received my check and when I went to XXXX to get proof that they had cashed it, we discovered that WellsFargo had cashed the check without an endorsement. I filed the avidaffit of fraud paperwork on that date and notified the IRS, however, the IRS said " oh too bad, here are the fees and charges for paying late. " XXXX and their affidavit department has been in contact with WellsFargo almost weekly since XXXX, however, after the initial two contacts, WellsFargo has stopped responding to the calls. They also have not replied to my attempts to reach out. 
The original check was for {$13000.00} and that was cashed against the account on XX/XX/2023. The fees from the IRS are $ 450 monthly. WellsFargo has done nothing to help resolve this case as it appears that one of their tellers knowlingly cashed a check made out to the INternal Revenue Service without requesting IDentification or any kind of verification.
Product: Debt collection

I closed my account with XXXX and was told by the rep what my final bill was and paid it. A short time later I got a bill from XXXX for {$450.00} with no explanation as to the charges. I called XXXX and they could not access my account to tell me what the bill was for. As far as I'm concerned, the final bill the rep gave me when I closed the account was all I owed XXXX. The next thing I knew I was getting letters from a collection agency. 

The very first letter stated that if I responded by a certain date, they would not report the collection. A response was mailed weeks before that date and they have now placed that collection on my credit report. They never answered that letter. They sent a second letter with additional charges on it with no explanation of what those charges were for. I've repeatedly asked for details of what the XXXX charge was for and what their charges were for. I have yet to receive a response. Then Convergent offered to settle for 80 % of the increased amount ( that had no explanation ). The original bill was {$450.00}. 

I want this bill erased. XXXX had charged my card after the account was closed. I reported it to my bank who agreed the charge was not valid and returned the money to my account. I paid the final amount I was told was due at the time I closed my account. They aren't entitled to anything else. I also want this collection removed from my account and Convergent held responsible for failure to reply to XXXX requests for information.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XX/XX/XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the worst business ever. 
they put negative information about my account, that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report, they failed to contact me, through email, phone or mail this is my rights under FCRA, SCRA, i am XXXX XXXX XXXX " XXXXonsumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. '' and " You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. " they say they try to contact me many times, which never happen and they refuse to show me any email or mail letter to confirm they reached me or even phone log, i only received one letter to tell me i have negative payment going to the report i asked to show anything to verify they reached me personally, they refuse.

my only problem, is their own collection department : -do n't care that i am SCRA -refuse to show that their information is verified -add more information without my consent on my report ( 30 days late, and note that i didn't like their investigation ) -delayed my process -never answer question -refuse to understand that sometimes accidents happen -acting like their system is 100 % error proof and no way that accident happen and i wasn't informed -refuse to work with any negotiation -refuse to minimize damage -failed to inform me with any issues so what is their job exactly?
Product: Checking or savings account

We booked a vacation with XXXX for XX/XX/XXXX. We used the pay delay option and they took out the following amounts : XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} I filed a dispute with Citibank ( reference number XXXX ) for the total amount of {$3400.00} on XX/XX/XXXX. I have only received automated notes saying the transactions are too old and they will not refund. XXXX has closed its doors and has not refunded any of the transactions. 

I sent all information to Citibank and have not received any current updates regarding the refund of our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft. there are accounts as a result of fraud on my credit profiles all are student loans. i have disputed these fraudulent accounts and the credit bureaus refuse to remove them even with a police affidavit. this is causing me injury, prejudice and damages.
Product: Checking or savings account

I hope this message finds you well. I am reaching out to express my frustration and seek your assistance regarding ongoing issues I am facing with U.S. Bank.

Despite my account being closed and no outstanding issues or reviews, U.S. Bank continues to give me the runaround concerning the retrieval of my funds. I currently have open claims with merchants for refunds, and their lack of support has been incredibly disheartening.

It seems that I am not alone in this experience, as there are numerous complaints online from other clients facing similar challenges. This situation is not only impacting me personally but is also affecting my business and my ability to pay my employees.

I am appalled by the lack of accountability and the history of fines against U.S. Bank for their practices. It raises concerns about their operational legitimacy. The way they handle clients and their funds is unacceptable, and it feels like they are operating without consequences. 

I would greatly appreciate any guidance or assistance you can provide in helping me retrieve my money. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and TransUnion on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. XXXX, TransUnion, and XXXX  are not complying with their own policies in a timely manner. Also address and name should be updated only to XXXX XXXX XXXX ( always confirming middle intial ) XXXX XXXX XXXX. XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX