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

Since Capital One took over XXXX XXXX I can no longer access my account online. I closed this account years ago but I still have a balance and continue to make automatic payments every month and got an online statement and notification via email when my payment was due and the payment amount due. about two months ago I stopped getting notifications so I tried to log into my account and could n't get access. There was a notice on line that I had to re-authorize my account since the take over. When I tried to do this I had to enter my account number which I did not have since I destroyed my card when I closed the account. I contacted customer service to get my account number and was told they could not give me the account number and that 's the only way I could re-authorize my account. So without the account number I could n't do anything. On my statement that I now receive instead of receiving on line, it only shows the last four digits of my account number ( XXXX ). My payments automatically post on the XXXX of the month and this month it did not post until the XXXX so I called Capital One to see why the payment did n't post till the XXXX and again to see if I could get access to my account. I was told that they no longer allow access to closed accounts on line. I asked them how I can check my balance to make sure my payments go through and to monitor my account and they told me I will now get a paper statement every month. They is fine except if something goes wrong I will not know it until the end of the month. Since I have had problems with other accounts being hacked I check all of my credit cards, debit card and bank accounts activity at least weekly to ensure that I 'm not getting hacked again. Without online access to my Capital One account I can no longer check. Can Capital One legally refuse to give me online access to my account?
Product: Debt collection

Mailed in care of the Post Office for the United States of America DATE : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL/NOTICE TO PRINCIPAL IS NOTICE TO AGENT ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT To Midland Credit Management Pre-Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account Number : XXXX To Whom It May Concern : I confirm that I have received a written communication from you addressed to myself and dated XXXX XXXX wherein you make reference to the above captioned matter. 

It is apparent that either : 1. You are acting on the presumption that some relationship that you may have with XXXX XXXX, XXXX XXXX XXXX XXXX, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship you have with XXXX XXXX, XXXX XXXX XXXX XXXX either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us ; or 2. You have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to XXXX  XXXX, XXXX XXXX XXXX XXXX ), which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and XXXX XXXX, XXXX XXXX XXXX XXXX. If indeed you have entered into such a contractual relationship with XXXX XXXX, XXXX XXXX XXXX XXXX as set forth in clause ii ) above, then I hereby confirm that I accept your offer to reduce the amount of the alleged obligation from {$2100.00} to {$0.00} and I confirm that I would like to make arrangements for settlement of the above referenced matter immediately upon you providing me with your written and legally binding assurance that you will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form that you must now be holding pursuant to the aforesaid contractual arrangement between you and XXXX XXXX, XXXX XXXX XXXX XXXX. 

ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT I request to Invoke my Rights to Subrogation ; HJR 192 XX/XX/XXXX, Congress 73-10, Chapters 48 Stats 48 subsection 112 ; " He who creates the liability must provide the remedy '' ; Truth in Lending Act ( TILA ) of XXXX ; and " Refusal for Cause Without Dishonor '' UCC3- 501, 2-207 ( 2 ) ( c ). 
3. " I-demand-my-right-to-subrogation-and-we-are-not-moving-on-until-this-is-resolved. '' 4. " Public-Servant-prosecutor-do-you-conform-to- '' Clean-Hands-Doctrine ''? 
5. Then-certify-my-right-to-subrogation-in-avoidance-of-a-claim-for-destruction of Rights. '' ( As-certified-it-is-mine ). 
Of this presentment take due Notice and heed and govern yourself accordingly On behalf of XXXX XXXX Without recourse By : : XXXX : XXXX :, Equitable Beneficiary Title Holder
Product: Student loan

Not really much to report. Phone # in questions is for our small business and we 've NEVER had a student loan, had an employee or even a family member with or even cosigned on/for a student loan and these folks no matter how many times we have asked politely and also of late " not so politely '' continue to call on a DAILY BASIS and it seems always from different numbers. When we waste our time and manage to get to a real person the company is always the same. XXXX XXXX XXXX XXXX out of XXXX XXXX California. Office # XXXX or XXXX Problem has now escalated as the latest caller has upped the ante to " threats of physical harm '' and stated that she will keep calling until we finally admit we had or cosigned on a loan and that our number was somehow associated to a loan, but they 're always unable ( more like unwilling ) to provide a name of who may of taken out said loan. 

How the heck do we make this XXXX stop, even more so now that the calls have become threatening?
Product: Credit reporting or other personal consumer reports

I have incorrect addresses on my experian, XXXX, and XXXX report that i have never been associated with i would like all of them removed from my credit report immediately due to FCRA all information must be true and accurate they are all listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THESE COMPANYS ARE REPORTING FALSE ACCOUNTS ON MY CREDIT REPORT THAT I NEVER SIGNED FOR OR USED I HAVE ASK FOR THESE ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT YET THEY HAVE NOT.
Product: Debt collection

Remove the fraudulent accounts from my credit file within the required timeframe, as mandated by FCRA. This is a final warning : If the listed accounts are not blocked or removed, legal action will be taken, and my attorney is ready to ensure accountability for your noncompliance. DEPT OF EDUCATION/XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX XXXX XXXX Open : XX/XX/XXXX Balance : {$0.00}.
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, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX DPT XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; Chapter 13 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX NA XXXX/XXXX/XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX Chapter 13 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; DPT EDXXXX XXXX Balance Owed XXXX {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; Chapter 13 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am facing medical problems that have made it necessary for me to relocate. I am in the process of trying to sell my home, as I am no longer able to remain in it and am having difficulties making payments. I have previously attempted to explain the situation to my lender, Bank of America, and ask for a forbearance, but that attempt went so poorly that I filed a previous complaint with the CFPB. In my complaint, I indicated that I wished for the response to be in writing, preferably by mail. I am hearing impaired and am requesting this reasonable accommodation under the Americans with XXXX Act. Bank of America chose to disregard this request, and I also did send a letter to Bank of America requesting that all communications regarding this issue be in writing via mail, but I am continuing to receive calls from Bank of America. 
Oddly, I am receiving letters from Bank of America, but they are all demands to call them regarding my issue. I ask if Bank of America is willing to send me letters telling me to call them, why are they so averse to simply addressing the issue in writing? I would like to work with Bank of America to avoid foreclosure, but their methods of addressing this issue and customer service leave much to be desired, and I believe may be a violation of Federal law.
Product: Student loan

I have contacted Navient many times about reducing the low income plan due to my fixed income. They have the reduction for two or three months, which I disagreed with the offer. They stated, " They do not have low income at that time for long term. '' I told them, " I need a permanent plan according to my income. '' I looked around, they did a forbearance on the loan. I like to pay on the loan according to my income. This is my second complaint regarding the loan. Also, Navient overcharging late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe reporting in error. 


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

I am subscribing to Credit Karma, keeping me updated on my credit score, and they suggest things that I can do, or cards that I can apply for to help me reduce my debt, and or raise my credit score.

I have applied for these card that Credit Karma suggest. I have applied for many of the suggested cards, and have been " DECLINED ''. My credit score drops each time I have an inquiry about me applying for a new card. Credit karma always says in its emails, that I have a very high chances of being approved. I am always denied. 
In the denial letter that I get from the potential credit card company, they indicate the reason for unable to approve me for credit is too many inquiries for credit. 

Now recently I am receiving emails from Credit Karma sending me credit cards to apply for, now promise to pay me {$50.00} if I am turned down! This tactics are ridiculous, and unfair.

I don't like these tactics because it is not helping me, its hurting me, causing me mental distress... very wrong and disappointing! I am working hard to improve my circumstances, and I am falling even further. Credit Karma also suggest getting a loan will help to improve my credit score! I have got a small loan, and pay it on time. when I pay off the loan, it shows the account was closed, not paid off. that hurts me too! a closed account is bad for my credit score! I have had 2 loans that I paid off in less than 10 months. the Paid off loans show closed accounts, that lowers my credit score. i am very upset, because the paid off loans should show a favorable mark in my attempts to pay timely, and should increase my credit score. it does NOT! My credit history does not show having any payment history at all!! 

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

this was not sent in error, i am a consumer by law and my information is being misused and now i have some false accounts on my credit report that are not 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and U.S. Bankruptcy Court Account # 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 an account without written instructions
Product: Checking or savings account

I tried to transfer/withdraw money from my Robinhood investment account,. And when I did that they put a restriction on my account and prevented me from accessing my funds. I have called multiple times each day and have not gotten any answer other than their team is reviewing it. No ability to speak to that team or even a supervisor. No indication of what Information is needed or what I can provide to get this lifted. I was told it would take XXXX business days. But it is now day XXXX and no answers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized inquiries from my credit report. As a victim of a data breach, these inquiries were not initiated or authorized by me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal. 
Unauthorized Inquiries to Be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Waypoint Resource Group is attempting to collect a debt that was charged off by the creditor. I received a letter demanding payment or my credit would be affected if not paid. Waypoint sent me a deceptive form as if the creditor was attempting to collect the debt. This is untrue. The creditor states the alleged debt was charged off XX/XX/2021. I spoke with several reps from Waypoint who assured me this was untrue and the debt was not charged off. That the creditor was still trying to collect. They lied. The letter received by Waypoint had the companies symbol which indicated that they were indeed a debt collector. In the letter they also stated I owed a debt and listed an amount of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX experian all have failed to do a proper investigation about a bankruptcy on my credit report. Ive tried several attempts and yet no changes have been made. Ive went as far as contacting a bankruptcy court and they said they do not give out information to third party vendors such as credit bureaus.
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  ~Account # XXXX XXXX XXXX XXXX/Account # XXXX XXXX XXXX XXXX XXXXAccount XXXX XXXX Dept of educationXXXXAccount # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit hard inquiries on my Trans Union credit report is fraudulent, unauthorized, not mine and dont belong to me : XXXX, XX/XX/XXXXand XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from Best Buy Credit Services, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such Credit Service provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. 

I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.
Product: Credit reporting or other personal consumer reports

Citibanks showing that I am still on a prior account as an authorized user. That account is owned by my ex wife XXXX XXXX. Its her account showing delinquent but because I was previously an authorized user its still impacting my credit reporting. Ive requested to be removed as authorized user but it hasnt happened in 3yrs. 

I can be reached for anything additional.
Product: Credit reporting or other personal consumer reports

This company ( XXXX XXXX XXXX ) is reporting inaccurate and fraudulent information on my credit report. By provisions of 15 US section 168i of the Fair Credit Reporting act, these items need to be investigated. Please provide me with proof of these items, specifically the purchase agreement bearing my signature. Failing that please update the record to show as PAID IN FULL/ AS AGREED or REMOVE this item from my credit report as soon as possible. This account is listed as a collection/ charge off account on my credit report but I have not received a 1099C for this charged debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly. Pursuant to 15 US section 1681 ( 6 ) ( A ) of the Fair Credit Reporting act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completed investigation.
Product: Mortgage

Attached please find Wells Fargo 's mortgage interest statement for 2016, With different account number XXXX, this is a complete different number. Because, the account number I had for the past eight years was XXXX. 

Does this paid interest is from XXXX to XXXX 2016? Since, in XXXX Wells Fargo sold/transfer my loan to XXXX, and I made the last XXXX of 2016, payments to XXXX. 

Why does in Real Estate Taxes their stamen show {$0.00}. They collected tax escrows, also from XXXX to XXXX? Who is paying my property taxes? 

Why they charged deferred interest, I though, I have a fix interest rate?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Wells Fargo has locked me completely out of my XXXX account while they switch vendors. I am not able to allocate my funds at anytime during a 2 week period. If the market fluctuates, I have no control over my retirement funds. This is unacceptable.