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

I attempted to payoff my account using the mobile app on XX/XX/XXXX for a total amount of {$9100.00}. The payment was returned. I contacted Capital One and they informed me that my financial institution, XXXX XXXX XXXX XXXX, did not recognized the payment since XXXX XXXX was under my husband 's name. On XX/XX/XXXX, my husband reached out to Capital One and XXXX XXXX and provided permission for the payment to be completed. Again the payment was returned stating that the incorrect account number was provided. I confirmed with XXXX XXXX that the account number was correct. I submitted another payment via the mobile app on XX/XX/XXXX for the amount of {$9900.00}, which is the total payoff amount. That payment was returned because Capital One processed the payment incorrectly. On XX/XX/XXXX, I spoke to a representative over the phone and they reached out XXXX XXXX, at which point the XXXX ( XXXX XXXX representative ) explained step by step how to process the payment. 
I was happy that the payment finally went through. I logged on to see how many reward points I received and that's when I realized that Capital One 's Fraud department closed my account. XXXX XXXX wrote a letter to Capital One explaining the error. Capital One promised to review the case and get back to me within 3 days. It has now been over two months with no follow up. I finally called them back and they stated that their decision to close the account stands. I paid my account in full and they closed my venture card, without allowing me to utilize my rewards. They received a letter from my other financial institution stating that this was an error on both bank 's behalf. I have never been late with a Capital One payment and have always been in good standing. XXXX XXXX has even wrote in the letter that the funds have always been in the account. I would appreciate any assistance in helping me have my Capital One Venture card reopened along with my rewards reinstated.
Product: Checking or savings account

My account was closed And I Wasnt aware of it until I went to put Some Money in the account
Product: Credit reporting or other personal consumer reports

After looking over my credit report I have found inaccurate information. XXXX, XXXX and Equifax are reporting 1 thirty day late child support payment from the attorney general. The month in question is XX/XX/year>. I have made payments every month, and keep records for proof.
Product: Money transfer, virtual currency, or money service

As of XXXX XXXX XXXX I can't sign in to my Venmo account. When I try, I get the following error " OAuth2 Exception : Unauthorized action.. ''. I was able to reset my password ( confirmed via email notification ), but even with these new credentials, I get the same error. As a result, I can't access any of my funds or make new transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The U.S Department of Education is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report. U.S. Department of Education XXXX Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX Under the FCRA the finance charge should be in every consumer credit transaction. 

Under the FCRA the definition of a finance of charge is the sum of all charges. 
12 CFR 226.4 Definition of a Finance Charge Insurance should have been included in this transaction. If it did default, then it was supposed to be handled. 

Anything you are trying to charge outside of that, a finance charge does not include cash. This is considered to be fraud. 

There is no law that defines that defines what a charge of is. If it was charged off, please what law you used to define it.
Product: Prepaid card

I am requesting replacements for following 6 cards. I have opened the following cases with Incomm XXXX, XXXX, XXXX. I have previously sent in all requested documentation for these cards to XXXX as requested. I am attaching the cards here along with proof of address. Please send replacements
Product: Credit card

At & t credit card customer service not answering at all, on hold for hours
Product: Credit reporting, credit repair services, 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, 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 have a. XXXX XXXX card account that was closed and paid in full since 2021 after multiple disputes and contacting both Credit report companies and Creditor submitting proof and requesting review neither company admits responsibility and to this day unable to resolve and or correct information. Credit bureaus do not contact creditor ton resolve disputes. Creditor will not contact Credit bureaus to give correct information. This has gone back and forth for years and is affecting my life and credit history.
Product: Student loan

I have been trying to get a payment history from Navient for about two years, with an explanation on how they came to the balance they have as it looks to be nearly 4x what I believe it to be. They refuse to provide a history of any kind or copies of the loan documents to show they are able to charge fees on the account. My loan is approximately 20 years old and I want to see what I agreed to.
I previously filed a CFPB complaint which they only provided a generic response that I would have to call them. They have never, in nearly 2 years, provided a payment history or loan documents despite numerous requests. Calling them does n't provide the payment history or the loan documents and given the conversations previously, I would prefer all communications to be in writing. I absolutely do not want them calling me.
Navient has intercepted my federal tax refund, with a pending dispute on the loan, and still I have no idea what the balance is or how they came to that number. This seems patently wrong - how can you intercept funds, without proving those funds are owed?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect Personal Information XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX - Incorrect Name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

Wells Fargo Bank is holding a refund of {$3800.00} due to me from a refund of private mortgage insurance. When I contacted Wells Fargo I was told the refund was credited to my escrow account, which at the time had a {$1.00} shortage. I have spoken with XXXX different supervisors and have submitted a complaint in writing. It is my understanding, by law, Wells Fargo has 45 days to process the private mortgage insurance refund. I received a letter dated XXXX XXXX, XX/XX/2015 informing me of the refund. As of XXXX XXXX, XX/XX/2015 I have not received anything, putting them well past the 45 day time period. I have also been informed that a bank can not withhold money due to a customer from a PMI refund and apply it to a different account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times to dispute an account with Experian with an account with XXXX XXXX Mortgage. It is hard to include the dates as it has been an issue that I have been trying to resolve for 2 years now. XXXX XXXX Mortgage violated the Servicemembers Civil Relief Act ( SCRA ), while taking my house. XXXX deleted it off my credit report because XXXX say that XXXX XXXX was in the wrong. Everytime I try to dispute this account, Experian comes back with the dispute was not legible or they did not understand the reason for the dispute. But I clearly state why I am disputing this account. It is because XXXX XXXX violated SCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested my credit reports and discovered that Capital One has been incorrectly reporting information about a charge off account. There are 50 instances of 90 day late payments. This is FALSE. I disputed it with them via CFPB and they deny that there is any wrongdoing or inaccurate information on my credit report. They quoted 2 dates as being correct and used those two dates to justify the inaccurate information. As of today, XX/XX/XXXX, my credit reports are showing that the last payment was in XXXX. This is false. They acknowledged the account was closed as a charge off in XXXX but deny that the last payment in XXXX is incorrect. I made no such payment and request it be removed immediately. Capital One has refused to work with me during my hardships and consistently neglects to inform me as a consumer of my rights in these situations. In XXXX I was a single mother, also XXXX, and in XXXX school and had less than suitable living conditions. I moved out of state for a better life and repeatedly asked them to work with me on payments which they refused. Since that time I've been working hard at bettering my credit and making the best financial decisions but the damage that Capital One is doing to my credit report is irreparable. I am asking again that the correct last payment be noted on my account which was before the account was closed in XXXX ( logically ) and NOT in XXXX as it currently states. I did not make any payment after the account was closed in XXXX. I have attached files to show that no such payment was made. Capital One has also reported to XXXX  that I have 90 days late a total of 50 times. This is completely reckless and has done absolute and total damage to my overall credit. My next step is litigation.
Product: Debt collection

In response to initial complaint with this company on XX/XX/XXXX, XXXX XXXX XXXX stated : " We sent our initial notification letter to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We found no records supporting your allegations of misconduct, including, without limitation, that XXXX used deceptive practices. We have no record of a request or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account. In response to those disputes, we sent you the attached letter containing validating documentation from the original account. We believe that no further steps in response to your complaint or follow-up actions are required at this time. '' This is not true. I have as evidence two return receipts from the post office where I sent request for validation from Portfolio Recovery Associates. Those receipts were signed by someone in their office. This goes to show that Portfolio Recovery Associates is not an ethical company, as they would falsely state that they have no record of a request or dispute being received in relation to their initial notification letter. 
Also, the letter that I previously listed from Portfolio Recovery Associates states that they letter that they sent was in response to the account listed above. 
Also, the original letter that they sent did not state that I had 30 days to dispute the account.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX, Account name ; XXXX # XXXX, Account name : XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

In XX/XX/2019 I disputed this account as not mine and asked the company to send me verification information that it was my debt including my signature. The common sent back a letter attempting to " settle '' on an account that is not mine. I am sending the same information to them in writing certified that I am sending to you. This debt must be removed from XXXX, XXXX  and XXXX  immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the list of hard inquiries that i do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 I was solicited to open a XXXX XXXX XXXX account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a XXXX credit card through XXXX XXXX. Therefore I opened the XXXX credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by XXXX XXXX, this includes charges and making successful payments. 
You can imagine my shock when I received letters from XXXX XXXX dated XX/XX/XXXXthat XXXX XXXX has decided to close both my accounts. 
XXXX XXXX has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision XX/XX/XXXXXXXX committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming XXXX XXXX is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. XX/XX/XXXX knows this, which means XXXX XXXX is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information XXXX XXXX used to close my accounts. Additionally, since XXXX XXXX has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and XXXX XXXX I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit and I saw that I am listed on my family member account Amex credit card as authorized user. I never authorized this and I would like this removed from all three credit bureaus immediately and deleted on my credit report. I already have established credit and I dont know why Amex have me listed as authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I'm a victim of identity theft. I pulled my credit report and noticed that I had several addresses on my credit report that I have NEVER lived it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Bank account or service

I bank with Wells Fargo. I get the following emails every 2 weeks. I have tried in person and over the phone to solve the problem. I 'm concerned that multiple accounts were opened or that there 's a privacy problem. 
Wells Fargo suggested that I add XXXX additional emails to my personal email system to fix the problem, rather than solving the problem on their end. Although I only have one email address on file with Wells Fargo, I continue to get these emails. 


Subject : Unable to deliver email From : Online Banking XXXX/2017 XXXX Contact Us We were unable to deliver an email to you We could not deliver a message or alert to your email address. If this address is incorrect, please update your contact information. 

To receive account statements or tax documents online : You must have a valid email address in order to receive your statements or tax documents online. If we can not successfully deliver your notification that your documents are ready, we will have to send your paper notifications or documents via U.S. Mail. 
If you have questions, we are available 24 hours a day, 7 days a week at XXXX or by secure email. 
If you are a guest user, please contact the account originator to request your email be updated. 
XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Georgia XXXX ] [ XX/XX/year> ] Exeter Finance [ XXXX XXXX XXXX ] [ XXXX, Texas, XXXX ] Re : Account Number [ Insert Account Number ] Dear Exeter Finance, I am writing regarding the above-referenced account, which is listed on my credit report. Please note that this is not a dispute ; rather, I am requesting additional information for clarification and record-keeping purposes. Specifically, I kindly request the following details : XXXX. The exact date of the first delinquent payment on this account. 
XXXX. The exact date when this account was charged off. 

This information is critical for my personal records and to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and ask that you provide this information in writing at your earliest convenience. 

Thank you for your assistance. Please feel free to contact me at [ your phone number ] or [ your email address ] if further clarification is needed. 

Sincerely, [ XXXX XXXX ] Let me know if youd like adjustments to this letter!
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  has violated my rights. 

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

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.