23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I WROTE CAPITAL ONE BANK ABOUT THE EIGHT HARD INQUIRIES ON DATES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX REQUESTING YOU SEND ME PROPER PROOF THAT WHAT YOU ARE REPORTING IS TRUE, IF YOU CAN NOT, IMMEDIATELY REMOVE YOUR FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS ACCORDING TO FDRC. 

THERE IS MORE TO THE LETTER AND IF YOU WISH TO REVEIW IT I WILL PRODUCE IT FOR YOUR COMPANY. 

P.S. I HAVE NOT HEARD FROM CAPITAL ONE ANY TIME SENCE MY LETTER. I ALSO WROTE ALL THREE CREDIT REPORTING AGENCYS AND THERE RESPONCE WAS THAT I DID NOT SEND THEM ENOUGH INFORMATION TO VERIFY THAT THIS WAS ME ASKING FOR THIS REQWUEST. I SENT THEM EVERYTHING AND I MEAN EVERYTHING .... 

IM SO TIRED OF THIS XXXX ... ITS CRAZY AND I CANT UNDERSTAND WHAT IS THE PROBLEM HERE, TO ME IT IS SELF EVIDENT AND IF YOU CAN NOT SEE THIS PROBLEM THEN YOU ARE JUST AS BAD AS THEM WHOM ARE TRYING TO HOLD ME HOSTAGE FOR GOD ONLY KNOWS WHY ... 

IF I SOUND A LITTLE UPTIGHT WELL That's BECAUSE I AM ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Dept of XXXX obtained a copy of my credit report without my permission. I do not have an account with XXXX.
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 with my written instructions.
Product: Mortgage

I switched insurance companies so I received a check for the overage when XXXX cancelled. Then I called to see how to reapply the amount for the new insurance. The amount was applied to my monthly bill instead. I have called about XXXX times ( at least ) to ratify this issue. I sent my second check to apply to escrow and they AGAIN applied to my note. I even spoke with a supervisor last time to no avail. I give up. They keep reanalyzing my escrow and increasing my note because of the shortage. I do n't believe calling is helping anymore and need someone else to intervene.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Equifax and XXXX XXXX regards inquires that are reporting to my credit report that occurred before I became XXXX   years old. I turned XXXX  on XX/XX/XXXX. Equifax stated that I was born in XX/XX/XXXX, therefore I submitted DL, birth certificate to validate my dispute. Upon receipts on documents they stated that they could remove the inquires I did understand because I was told by a agent that they will be removed. Ive reached to companies listed below, there unable to locate An application with my name on it. They stated they would forward documents over to credit agency and I. I have not receive documents nor have inquires been removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Mi. XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Account Activity Due to Identity Theft Dear CFPB, I am writing to formally dispute certain transactions or accounts that have been opened in my name without my consent, as I believe I have been a victim of identity theft. Especially when my Information was exposed in the data breach. You have to remove this information, dont turn my dispute into a third day dispute under section XXXX this should be removed within XXXX  days. Please consider this letter as a formal notice of dispute regarding the following unauthorized activity : Any hard Inquiries done in 2024 I didnt open any or give permission to anyone to do so. 

XXXXXXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter and expect a response within XXXX  days, as required under the Fair Credit Reporting Act. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I received an email to my personal email account about an update to a checking account with a bank I am not affiliated with in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XXXX/XXXX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. After reviewing my credit report, I have noticed that these accounts have violated several laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts are listed on my credit report with inaccurate information and/or have violated consumer protection laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Please note that the following violations have occurred : FCRA violation : The information reported on the credit report is inaccurate and does not reflect the true status of the account. 
FDCPA violation : The debt collection agencies did not follow the proper debt collection procedures and harassed me. 
FACTACT violation : The information provided is not accurate, complete, or up-to-date. 
TILA violation : The lenders did not provide me with proper disclosures and/or charged me fees that were not properly disclosed. 
RESPA violation : The lenders did not provide me with proper disclosures about mortgage loans. 
ECOA violation : The lenders have discriminated against me based on my race, gender, and/or national origin. 
FCBA violation : The creditors did not properly handle billing errors and disputes. 
I demand that these accounts be immediately removed from my credit report and that any negative remarks or late payments be corrected. I also demand that any debt collection agencies that have violated the FDCPA be reported to the proper authorities. 

I am emotionally distressed by the impact these inaccuracies have had on my credit score and financial well-being. It is unfair that these violations have occurred and I expect prompt action to be taken to resolve these issues. 

Thank you for your prompt attention to this matter. 

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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts.

Accounts to be removed : - Date Reported XX/XX/XXXX, Collection Agency - XXXX XXXX, Original Creditor name : XXXX, Last payment date XX/XX/XXXX, Date of First Delinquency - XX/XX/XXXX - XXXX XXXX balance {$5800.00} Account Ending in XXXX -Dept of ED/XXXX balance {$16000.00}, and balance {$3800.00} Account Ending in XXXX. 

- Hard inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

MCM took funds out of my XXXX  XXXX XXXX joint checking account they stole XXXX. Dollars and XXXX.Dollars saying they have a garnishment against me we had just gotten our social Security monies and had some money from insurance payment to fix my house after surviving XXXX XXXX I filed a complaint with XXXX XXXX XXXX they released half of the funds but not the insurance or my husband 's social security money they also charged me {$120.00} Legal fee they never served me with anything they hacked my Bank account and XXXX XXXX XXXXXXXX let them I've had this account over XXXX  years thought XXXX XXXX XXXXXXXX was a reliable company I guess I was very wrong
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3100.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

R S Clark refuses to take a debt from XXXX XXXX XXXX off of my XXXX report. It should not be there as it is a medical bill under {$250.00}. They removed it from my XXXX report but refuse to remove it from my XXXX report.
Product: Debt collection

In XX/XX/XXXX, I was contacted by FRANKLIN COLLECTION/XXXX  XXXX, that I owed {$980.00} for not paying a phone bill and not returning XXXX XXXX XXXX equipment for account. I advised that was not possible, as that account was transferred to my ex-wife, XXXX XXXX XXXX, during our divorce in XX/XX/XXXX. They advised that the account was never closed and was being paid on up until XXXX  XXXX. I had discovered through this that my ex-wife was fraudulently using my old XXXX XXXX XXXX account following the divorce, which was not authorized by our divorce or me. My ex-wife is responsible for this debt and possesses the assets that need to go back to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For the last 2 to 3 months I've been shopping for a car. They are running my credit multiple times with the lenders. They are using the same companies usually. They are denying me credit because I have to many credit inquiries. I've disputed the credit report with the agency. They didn't change anything. XXXX XXXX, XXXX They said that everything remains. This was Transunion. I've been denied credit because of this. They will not lump the credit inquiries together from the same company. They have them all listed individually. All 3 credit bureaus have said that this is just how it is. There are now 92 inquiries. Ally auto has been ran twice in 1 day. Three times in 1 day for XXXX XXXX.
Product: Credit card

I received a statement balance email saying I owed XXXX. Not having made a purchase in over a month, I was surprised to see that the charge was a STATEMENT VARIANCE of XXXX. I never received an explanation from XXXX prior to the aforementioned statement email. I feel that this charge is invalid and inappropriate. I am requesting this issue be resolved. I am overseas until XXXX so I can not go into a store and resolve this directly. The agents I chatted and spoke with were less than helpful.
Product: Consumer Loan

This was a 0 interest loan for 36 months. If not paid off 29 % interest was charged retroactively. The payoff date expired in XXXX and the payoff balance went from {$1300.00} to {$5900.00}, which was more than the purchase price of the product I bought and I 'd paid on it for 3 years. The problem is the emails I received from Synchrony Bank do not give me the expiration date of the " 0 interest '' offer. I received XXXX email on XXXX XXXX saying " Promotion ( s ) Expiring Shortly. See the promotional box on the statement for additional details ''. When I clicked on the link to the statement it took me to a marketing screen without a log in to my account. At the bottom of the screen is a tiny " contact us '' which I eventually clicked on. It took me to a log in screen. When I logged in with my SSN and DOB it said it could n't find any records of my account. Companies like Synchrony Bank prey on consumers by not providing adequate notification of these promotional programs, and then making it extremely difficult to get to that information. Then they charge outrageous interest rates, which should not be allowed. I called them, explained the situation and they basically said, too bad, you owe us {$5900.00}. Each email statement should have included the expiration of the promotional period and notification that the interest rate was retroactively being raised to 30 %. The paper bills they used to send had this information. The emails did not and made it difficult/impossible for the average consumer to find the info. Since the account was on auto payments from my checking account, I did n't realize they expiration date had expired until 3 months later. I have paid over {$800.00} in new monthly payments. I talked to a supervisor today and offered to pay off the original balance of {$1300.00} on top of the {$800.00} and was told I had to pay off the entire balance. Retroactive interest charges like this should not be allowed. If they are, there needs to be requirements for notification that make it CLEAR and EASY for the consumer to understand when the payoff date is.
Product: Student loan

Every time that I make large payments to my student loan account, the lender applies the excess to " future interest payment '', thus pre-paying interest rate for future months instead of applying any excess payment to my principal. Even when I make XXXX large payments in consecutive months, the lender applies any excess to " future interest payment ''. They are really hurting me because I make such large payments to quickly payoff my outstanding principal to find out years later of such unethical practice.
Product: Credit reporting or other personal consumer reports

A couple of days ago I received a letter stating that Transunion investigation was complete and the items listed below have been Verified. 
This letter is my formation request for the to explain to me how they conducted there investigation and for transunion to provide methe method of verification. 
Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX v. XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX  2004 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I promptly notified all 3 bureaus, all the creditors and sent them my ftc identity theft affidavit as well as police report and supporting evidence. 
XXXX  and XXXX fixed my report by blocking the fraudulent information. Equifax REFUSES to fix my credit report by blocking fraudulent accounts opened on identity theft. They told me i can pay them for a service to fix my credit. I am not paying them to make them follow the fcra. I have sent them it in certified mail, email and fax. They wont fix it and keep saying " they investigated and the account belongs to me '' which is extremely funny because when the creditors investigated, they deemed it fraud. I will be attaching the proof the equifax FALSELY claims it does investigations, how its a gross abuse of power and severe negligence under the fcra. 
I spent 22 hours fighting with them to get nowhere. The other 2 bureaus fixed it within 1 hour.
Product: Checking or savings account

I have been using the XXXX XXXX for over a year now and it helps me in times where my funds are, or will be low. It's a small loan, less than {$100.00}, with a less than {$5.00} service fee attached, and an option to leave a " tip '', which would be used to plant trees around the world. An option, meaning you aren't required to in order to receive money from XXXX. I have my account set up to automatically withdraw the amount I owe XXXX on payday. This app has always only deposited money into my account when I requested it, and has only ever automatically withdrawn from my account when I borrowed money. It was also always the agreed upon amount. I have never had an unauthorized transaction with this app. Now, PNC is not letting me connect my account. I understand it's for their customers safety however, the XXXX XXXX does not need protection from. This happened today, XXXX, and PNC has disconnected my account without my permission about 4 times throughout the past year. I was able to reconnect it myself in the past, but today I was directed to the CFPB.
Product: Debt collection

I just received a collection alert XX/XX/2024 about a collection being added to my credit report on all ( 3 ) Bureaus on debt thats not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Never applied for an auto loan with XXXX XXXX, Valley National Bank, XXXX XXXX, XXXX XXXX However, there are two inquiries on my credit report dated for these  lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.
Product: Student loan

I am filing a formal complaint against a previous loan servicer, Conduent Education ( formerly ACS ), a company that acquired my Federal student loan in the late XXXX 's, early XXXX 's from XXXX XXXX ( I believe ). During my borrowing period, I feel I was subjected to ACS ' arbitrary and rampant fees, predatory lending practices and massive interest rate hikes. I had to defer my loan on a few occasions as I could not afford payments at the time. I continue to struggle today, as I've been repaying my school loans for 10+ years, and have another 19 years to go, as I've refinanced my loan to another servicer that is reputable. I also know that ACS was involved in several lawsuits due to bad lending practices, during the time I was a borrower of their services. I am living pay check to paycheck as my loan repayment has reached {$560.00} per month, trying to support a family of 5 along the way. I've tried to acquire my loan payment history with Conduent ( formerly ACS ), but I am experiencing tremendous road blocks as they won't publish a direct customer care phone number on the web, nor will the online account system recognize my registered account username or password. I am really tired and frustrated of their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

creditor letters are attached for the removal of the delinquencies, i have already send the letter to the bureaus to have them removed but they are not cooperating please help me to remove these inaccuracies from my credit report. 
thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts XXXX... below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX Inquiry from XX/XX/2018. Please investigate to ensure there is no fraudulent activity.
Product: Credit card or prepaid card

Dear CFPB, I am writing to notify CFPB of Capital One 's unethical and unfair credit card online payment and late fee practices. 

I'm a first generation college student and ran up some debt while working on my XXXX XXXX. I have two credit cards with Capital One that I plan to pay off by the end of the year, but I've had to make smaller minimum monthly payments in the meantime due to my financial situation. 

Most credit card companies allow their customers to pay their monthly dues online up until midnight on the due date. However, Capital One only allows their customers to make online payments until XXXX. 

Unfortunately, I missed the XXXX threshold three times over the past month because I was either not awake or in an area without internet access ( e.g. the subway ). Nonetheless, I still scheduled my online monthly payments before midnight on the due date, which Capital One processes as late payments on the following day. 

I was charged three late fees as a result of missing Capital One 's XXXX cut-off over the past month -- {$40.00} on XX/XX/XXXX, {$29.00} on XX/XX/XXXX, and {$40.00} on XX/XX/XXXX. 

I have already been in contact with Capital One on XX/XX/XXXX and XX/XX/XXXX to see if they could waive these late fees since I tried to make my payments on time and in good faith. They told me there's nothing they can do about it. 

Paying {$100.00} in late fees for missing Capital One 's XXXX cut-off is theft. I remember when Capital One 's credit card late fee was around {$10.00} not too long ago. Why does the U.S. government even allow predatory companies like Capital One to raise and charge late fees this high? 

On behalf of U.S. citizens and consumers, I am requesting that CFPB investigate Capital One 's online credit card payment and late fee practices and hold them accountable in court. Customers who have tried to make their online payments on the due date before midnight should be refunded.
Product: Money transfer, virtual currency, or money service

Starting XX/XX/XXXX I had a total of {$15000.00} pulled form account using Coinbase. The charges were never authenticated, and were sent multiple times in a day. The account used was a savings I do not pay much attention to and when I noticed the error I immediately disconnected the account and contacted Coinbase. They responded claiming that the transactions were from an IP address they have seen before using the Coinbase app, but I do not use a Coinbase app. I have sent numerous emails, I have filed a complaint and nothing has been done to return these funds to me. I need this money refunded as soon as possible.
Product: Checking or savings account

On XX/XX/, I called Citibank regarding my checking account ending in XXXX and informed that my account had previously been closed ( without my consent ). I was told that the remaining funds of {$1000.00} would be returned to me via check within 14 business days, and was given a reference number of XXXX regarding this call. I was told that a check had for these funds had previously been issued but I never received it. I confirmed my mailing address to receive the check and was informed the previous check would be cancelled and a new one issued. 

On XX/XX/, I called Citibank again as I still had not received the check for my funds. I confirmed my address again, and was told my check was not issued because they had not received feedback on this request. I asked what feedback Citibank needed to receive from themselves regarding my account that they unilaterally closed, and was given incoherent responses and told to visit a local branch.