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

I have held this  Capital One cre dit card without issue for over 10 years.  Two years ago I signed up for online statements, as we were living out of the country and di d not want to delay our statements. We successfully received statements until    XXXX  2016 , and we paid every statement that we received.      After   XX/XX/XXXX , I  did not receive any online statements from  Capital One.  Without the statement to remind us to pay the minimum/balance as we had f or 10 previ ous years, we forgot to pay. Thus, we have some blame on this. However, we did not receive any  Capital One online statements as we should have ( we can prove this from email records ), and Capital One did not have our correct physical address in their files despite having previously delivered our statements by mail ( we never asked them to change it ).      Thus, Capital One did not notify us that the payments were in arrears and never sent us any correspondence that we know about to let us know, either via email or via mail. When we realized  ( via a credit report ) a nd called them to pay, they had closed the account. Both sides realized the situation, and I explained that I was more than happy to pay them the back payments and the interest that I would have owed if the statements had been received. I also offers to pay off the card, so tha t Capital One  would both be paid in full for their interest and principal. In return, I asked that they would recognize their own issues in this situation and, upon full restitution from me, reinstate/close the account and take off the poor credit report mark that they had given to me.     Instead,  Capital One called me a nd claimed that I must have been receiving their online statements. They cited a payment that was made after   XXXX  2016   . I explained that my wife had made payments across all of our cards that day and that this was not proof that we had received our statements. I again cited that I had proof from my email account that the statements were not received, and that I had some concern that the statements had been sent at all. They informed me that they were declining my offer of restitution and have send the card debt to collection, further and unnecessarily ruining my  credit score.      My request of CFPB :  First, I have a  long history of paying my credit card accounts, to  Capital One and others. Second, I have made it clear that there were issues at Capital One that occurred that could have notified us of a problem and prevented this situation. Third, I have offered to restore Capital One on all payments as if I had received the statements, which would be a fee far greater than they would receive in collection. Fourth, given my history and my email proof to the contrary, Capital One 's decision to ignore their own part in this and to ruin my credit history is unfair and unjust. I ask CFPB to intervene on my behalf to ensure fairness is done for both sides.
Product: Money transfer, virtual currency, or money service

Good day, I have asked Coinbase support several times to change my residency address for my current one but they haven't done it properly ( country not matching the rest of the address ). Their support seems to be incompetent at carrying even the simplest tasks. 

It's an important matter as I believe financial institutions are supposed to have up to date informations on their customers. 

Best Regards.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( Please remove this account before i seek Litigation for defamation of character ) XXXX XXXXXXXX XXXX {$6500.00}
Product: Credit card

XXXX charged {$590.00} membership fee and {$170.00} x 8 authorize user fees total of {$1900.00} on card ending in XXXX XXXX told had XXXX from date charged to cancel and refund the {$1900.00}. Cancelled 7 auth users and credit of {$1200.00} was issued. Leaving mine and husband card active til my daeline of 37 days from date it was charged XXXX. 

XXXX Closed XXXX account and told refund of {$590.00} and {$170.00} refuep nd in 2 to 3 business days. 
XXXX XXXX open new acount ending XXXX to dispute charges. I did NOT give authorization to open a new account!! Did not recieve credit card and would ot agree to this. My call/goal was to close account XXXX and refund of fees. Opening a new account without consent is fraud on your reps part. 

XXXX XXXX Inquired about my refund, XXXX XXXX XXXX XXXX review delay on refund. Assured refund will be come thru in a few days. 

XXXX XXXX Live chat with XXXX  XXXX screen shots of our conversation is available ) Refund of both fees in 2 to 3 business days. 

XXXX XXXX Spoke with supvrs XXXX XXXX screen shot of conversations available ) Again assured the refund will be posted, need to give another day or two. 

XXXX XXXX The refund will be 5-7 business days from the XXXX when XXXX XXXX was open. 

XXXX XXXX XXXX XXXX sign ( XXXX ) full refund will take 1 to 2 billing cycles!! 

XXXX XXXX XXXX XXXX supvrs ) will escalated this issue to membership services to remove both XXXX and XXXX fee. Will call me back by Friday XX/XX/year> XXXX for an update. NO call back with update. 

I have emailed : XXXX XXXX All responses have been enquiry registered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXcbna inquiry unauthorized
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft, i have been battling this problem for the last 5 years and it seems that it doesnt want to go away, someone has been using my personal information to obtain goods and services using my personal information, i have reached out to all the credit reporting agencies to report this issiue and it never wants to come off my credit report.i feel that my rights as a consumer has been violated and someone or something needs to happen, i am in despreate nned of help in regards to this matter! enclosed are supporting documenst to support my cliam that i am truly a victim of identity theft!.
Product: Credit reporting

A company called XXXX performed a credit inquiry in my credit report without my consent. I called Transunion and they told me there 's nothing they can do. I contacted XXXX and they told me they performed the credit inquiry because XXXX includes credit inquiries authorization in their hidden terms. I specifically asked them NOT TO PERFORM a hard inquiry. Now they all point fingers at each other and they do not want delete the inquiry from my credit.
Product: Debt collection

With dateXX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX in store # XXXX of the XXXX of XXXX ( see Receipt # 1 ) On XXXX, I went in store # XXXX of XXXX to transfer the Cell number XXXX and XXXX for XXXX XXXX XXXX , explaining to Sale Rep. that the line XXXX was not going away to use any more. 

The day XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XXXX making a payment of {$100.00} for this line that did not it had not been used or had charged minutes ( See Receipt # 3 ). Again I told the XXXX Representative that that line was not in use, he replied that I need to call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX canceling the completed cell ending XXXX. 

After having made all the payments explained, I am notified by XXXX  Credit Alert that I had reports on my credit for delinquint. ( Potentially negative information has been posted to your Credit Report ) .I suppose this was the reason for the denial of credits to which it applies. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, by this Agency : A.- AMSHER COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX XXXX , AL XXXX PH : XXXX and the last report was on XX/XX/. 

I was several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior in the 33 years I have been living in the country, with a good credit record that they are affecting. 

For this reason I demand that my credit be repaired by XXXX and those agencies and leave this abuse of harassment. 

Thank you Note : Attached a 3 XXXX receipt cc.
Product: Credit reporting

As of today, XXXX XXXX, XX/XX/2015 I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all XXXX credit bureaus reports. I have not applied for any credit since XX/XX/XXXX My credit reports should be free of inquiries.
Product: Credit reporting or other personal consumer reports

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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit im trying to buy me a house and this is stopping me
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB, In response to case # XXXX my attorneys and I previously decided to contact you concerning the bogus addresses on my Experian credit report, as stated by Experian in their response they sent me a copy of my credit report but did not show that the old bogus addresses as having been deleted so once again my attorneys are furious because of what seems to be a game Experian is playing and I remind you CFPB that I have been instructed by my doctors not to be engaged in stressful situations because of XXXX  I have suffered so now its time to take action against Experian..
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Require the XXXX credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the Consumer Financial Protection Bureau regarding XXXX XXXX 's failure to deposit my direct deposit from my employer. XXXX XXXX has cited technical issues, which XXXX violate the XXXX Funds XXXX as it requires timely access to funds. This situation raises concerns about consumer protection laws, XXXX  I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Debt collection

I found out I owed a missed toll to XXXX XXXX XXXX XXXX  and tried to pay with them directly, but they had sent the account to collections - Credit Collection Services XXXX CCS ) at XXXX. I called CCS and they told me I could not pay the toll violations, as I am not the person/entity linked to the account. The entity linked to the account is my leasing company, XXXX XXXX XXXX. I asked CCS if I could pay the account as I am the lessee, and I have also not gotten any communication from XXXX about the fees. I called XXXX to be sure that they have nothing on their end regarding the unpaid tolls/fees, and they told me nothing was sent to them. I asked CCS to help me try to pay the debt as I'm afraid it will affect my credit as time goes on. CCSXXXX XXXX refused to give me more information to help me resolve the issue. I am unable to do anything about this debt until the collections agency/XXXX reconcile the lack of clarity between themselves and my finance company. Otherwise, I am not authorized to pay anything even though I am willing to cooperate, especially so I can avoid any bad marks on my credit report. I would really appreciate any help you can offer, as I am stuck and worried about the situation.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX and so on
Product: Credit reporting, credit repair services, or other personal consumer reports

The statute of time on debt collections is 7 years. The statute of time on debt collections in Tennessee is 6 years. There is an account on my credit report that has been reporting since XX/XX/2011. I have sent in multiple requests to have this account validated and I have received no response, it is past the time of debt validation and must be deleted from my XXXX, XXXX, and XXXX  credit reports. Please delete immediately. 

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

I have sent letters to XXXX and TransUnion for 2 accounts and asked for validation which they never sent me but sent a letter saying it was verified for letters sent in XXXX, XXXX, XXXX and XXXX.XXXX took it off my report after dispute. I asked XXXX and TransUnion for specific details in which by law and the Fair Credit Reporting Act they are suppose to furnish to me and have not. I disputed with the creditor like XXXX told me to and still never got the documents I asked for but instead got a response that clearly violates my hippa rights and law. I sent the info to XXXX  And let them know they are reporting information for using documents that are violating the hippa law and still they continue to report the items and never gave me what I originally asked for. I am in the process of filing a law suit and this is my last step as I have documented the whole process. I have all documents I need to file law suite if this is not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan on lending tree to see what my options were without affecting my credit. I was suggested a company called XXXXXXXX XXXXl while on the phone with them I was just inquiring about a loan and did not want my credit pulled. I looked up companies that did soft pulls without applying for a loan and they were one of the companies that came up. After speaking to the representative they told me I could see how much I could get approved for without a hard credit pull, because I was very specific I did not want a hard credit pull. I hung up from the representative and after discussing with my wife I did not want the hard inquiry on my credit report. About 30 minutes later the representative had called me and told me my credit had already been pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. I am constantly being violated. I am suffering from mental anguish, and my reputation is being ruin by this. I am constantly being denied things. I have made complaints. I have disputed transactions. I have sent certified mail to the CRA 's. The CRA 's are saying they haven't gotten anything in the mail, or complaints. Per XXXX XXXX XXXX at Equifax XXXX These companies do what they want to do. This is my life. I also did a complaint with the CFPB and FTC for identity theft. They are required to do what I am asking and block and delete these transactions from my consumer report in four days from the date of the receipt of the notice.

15 USC1681 15 USC 1692B ( C ) 15 USC 1611 15 USC 1681 15 USC 1681C ( 2 ) 15 USC 1602 15 USC 6801 31 USC 3729-3733 Per the USC codes above I'm being violated. I demand that this stops immediately. 
Please see attached
Product: Vehicle loan or lease

I pulled my credit report and noticed I had this account on my report stating i owed a debt for over {$10000.00}. I contacted XXXX to inquire about the debt and i was told the vehicle was purchased through a company called DRivetime in XX/XX/XXXX. I informed them I was XXXX at the time and did not purchase a vehicle and want the vehicle out of my name and removed from my report immediately. I submitted documenation of my XXXX as well and still as of XX/XX/XXXX nothing has been done or corrected. 
I asked them to send me a copy of my signature, social and drivers license to validate the debt according to FCRA Section 609 and they have not done so.
Product: Debt collection

For the past 1 year after not being notified of this debt, I have been trying to reach out to the creditor XXXX in regards to this debt not being mine. I have requested multiple times method of verification to prove this debt belongs to me ; unfortunately, this info has not been received all my attempts have been ignored.
Product: Bank account or service

XX/XX/2016 I signed up for a promotional offer of a CitiGold Checking Account that would credit my account with XXXX ThankYou Points. I received the promotion in a letter with the offer code XXXX which was applied while opening the account over the phone with a Citi Representative. The representative confirmed for me that the promotion would apply to my account if the qualifications are met. 

I called Citi multiple times over the course of XX/XX/XXXX and XX/XX/XXXX to confirm that I met the qualifications for the account and that my account would be credited. I was told multiple times that I did in fact meet the qualifications and that my account would be credited within the next 2 months. Recently I had an investigation opened asking why the account was n't credited, and Citi responded by stating that the promotion was not on my account. 

I feel as if I have been lied to and cheated, this type of deception should not be tolerated.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. Equifax consistently responds with 24 hours starting the account is accurate without providing any evidence of a thorough investigation. This practices violations the fair credit reporting act ( CFCRA ), 15 S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's action may also contravene the consumer financial protection act ( CFBP ) 12 u.s.c 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 'S recent administrative proceeding ( File No. XXXX XXXX ) AGAINST them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. And these are the accounts mark as inaccurate are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX WY XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XX/XX/XXXX ; EQUIFAX MTG XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. MY PERSONAL INFORMATION WAS COMPROMISED AND SOMEONE/S OPENED SEVERAL ACCOUNTS IN MY NAME AND AS A RESULT THEY WENT INTO DELINQUENCY. THE ACCOUNT THAT I HAVE BEEN TRYING TO REMOVE IS A RESULT OF THAT..
Product: Debt collection

Amount {$1100.00} Date Unknown Hi, I have tried countless times to dispute the issue with XXXX and Resurgent every time I call and provide my information they tell me that they can't help me because the social security number they have does not match my account however they continue to report this account on my credit report. They even told me that the social security does not match it has my name and therefore I am responsible for the account XXXX XXXX XXXX RE : Validation Requested RE : Account # XXXX To whom it may Concern, I dispute your claim and I am requesting validation from you under the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide a breakdown of fees including how you calculated what you claim I owe. Please provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Please send this information to my address and accept this letter as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.
Product: Debt collection

Last month XX/XX/XXXX I sent a letter to CREDENCE RESOURCE MANAGEMENT ( XXXX XXXX XXXX ) requesting debt validation becuase this is not my debt to this date XX/XX/XXXX I have not received any response from the company I want to make this very clear I have no contract with CREDENCE RESOURCE MANAGEMENT or even XXXX XXXX XXXX regarding this matter please remove this from all three major credit bureus. 

Thanks
Product: Debt collection

Debt validation letter was send and dispute letter was sent numerous of times and no responses were made to the company