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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown accounts which I have been disputing as well as contacted the companies that I was unaware of these accounts but neither paperwork has been provided to me as proof that I am reliable because I am NOT! But somehow reports that I've never seen confirm that I'm responsible and my dispute is not fairly processed so these unknown accounts continue to remain as if on my report without allowing me to correct, delete nor repair my credit score and continuing to keep me from bettering the future for my family and myself! It's now becoming an ongoing battle for someone who is medically XXXX to try and progress towards a better living environment. SINCERELY OVERWHELMED!!
Product: Credit card or prepaid card

On XX/XX/22, I inadvertently paid {$1800.00} to The Home Depot via my online banking bill pay system. The payment should have gone to XXXX ( my mortgage company ). I discovered my error within days. Since that time, I have spent upwards of 15 hours on the telephone with various Home Depot payment escalations teams, managers, supervisors and also directly with CitiBank ( who services their credit line ).

Because my Home Depot credit card was 'cancelled ' several years ago due to non-use, everyone is struggling to locate my payment. I involved my bank, Associated Bank, who faxed a letter ( at CitiBanks 's request ) to their payment research team at XXXX. They claim they did not get the fax. 

On XX/XX/22, I was told to obtain proof of payment from my bank. I did this. I provided my ( now closed ) account number, the payee routing number and last 4 digits of their account number. I also provided the credit trace number and file trace number to help them locate my payment. This, too, did not help them. 

On XX/XX/22, I filed a formal payment error claim with my bank. 

This is extremely frustrating to not get any help from Home Depot or CitiBank. It has been close to 7 weeks. If they received payment referencing an account number that has been closed for years, I should have received a check in the mail by now ( many people I have talked to at both Home Depot and CitiBank have said this as well ). Nothing!

My CLOSED account number with Home Depot is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Any help you can provide would be greatly appreciated.
Product: Credit card or prepaid card

Date Credit card was open XX/XX/2022 I made my first purchase for {$170.00} XXXX XXXX, XXXX XX/XX/2022 I called to pay the balance off, spoke with a representative, who I ask, what method of payment can I used, representative said bank information only ( PULL THE CALL ) capital one restored amount available back to {$200.00}. 
I made another purchase, this time {$100.00}. 
Received a letter from Capital One stating : XXXX XXXX XXXX payment return on XX/XX/2022 due to invalid account number I have been established for 6 years with my bank never this problem. 
XXXX  manger XXXX XXXX on XXXX XXXX who place an investigation case number XXXX XXXX said someone will contact me with the result. I did not receive a response. 
I call back s/w XXXX ID XXXX XXXX who said that I gave the 2 sets of bank information number very interest call he kept contradicting his opinion on the matter ( pull the call ) I could not understand why my bank information was invalid I call my bank, the XXXX said account show no electronic payment ( I have the letter head from the bank ) I called capital one to receive some clarity and spoke to a Representative who couldnt tell me no more than what I am telling her? ( Pull the call ) account invalid. 
I told the representative that I want to clear the balance I use XXXXXXXX XXXX XXXX information. amount XXXX on XXXX XXXX THAT payment was return XX/XX/2022 no transaction code I spoke to a supervisor XXXX ID # B XXXX on XXXX XXXX ; I asked her if we could do a conference call with XXXX ( pull the call ). She said yes so thats how WE found out that XXXX XXXX only allows electronic payments for Direct Deposit. 
supervisor looks up different location for capital one, XXXX XXXX XXXX made a payment of {$50.00} that day on XXXX XXXX Payment billing cycle is due XX/XX/2022, Capital one close the account XXXX XXXX Capital, one has me as fraud after speaking to numerous representative and supervisor ( no one care ) STEAL, why would I call in trying to make payment on account? 
a representative took the wrong account number down and she caused my account to be closed. 
No one will listen to me and trying to receive assistance from Capital one is impossible. 
Capital one does not care about their customer Me. 
Capital one close my account on XXXX XXXX XX/XX/2022 place my account collection place on my credit report. 
payment not due until XX/XX/2022
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one agreed to remove the 5 late payments during the middle of the pandemic as I ( family ) lost income and child care during that time XX/XX/2020 thru XX/XX/2020 but they still show up on report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a bankruptcy on my credit reports, which is in violation of consumer protection laws. 

Upon reviewing my credit reports, I discovered that there is a bankruptcy notation inaccurately listed. This erroneous reporting has significantly impacted my ability to access credit and has caused undue distress. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

Under the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information in consumer credit reports. Furthermore, the FCRA mandates that consumers have the right to dispute inaccurate information and request an investigation to correct any errors. The inaccurate reporting of a bankruptcy on my credit reports directly violates these provisions. 

Additionally, the ECOA prohibits creditors from discriminating against applicants on the basis of bankruptcy status. By inaccurately reporting a bankruptcy on my credit reports, the creditor in question is potentially violating this law by using misleading information to assess my creditworthiness.
Product: Credit reporting or other personal consumer reports

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have repeatedly requested in writing that XXXX, Equifax and XXXX remove XXXX XXXX  from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. My name XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX Texas XXXX this is the only correct information that should be on my report.
Product: Debt collection

XXXX XXXX XXXX agencies. 
XXXX XXXX has been over-charging my credit card account high finance ; basically half to quarter of payment is applied to high priced finance charges, XXXX XXXX admits to XXXX tactics and account fraud. 
Sent letter to XXXX XXXX explaining problem and course of action suitable to both parties. XXXX XXXX response letter informed they were not interested and started harassment. I continue to make payment per verbal agreement and written letter. XXXX XXXX sent email XXXX XX/XX/2023 acknowledging payment, yet the the Debt collector sent harassment letters to with INCORRECT amount. The XXXX XXXX account has been paid off several times, but high finance charges will never allow the account to be paid-in-full. XXXX XXXX stated the account would remain open, yet shows my account close on website. XXXX XXXX continues to lie to me, continue with Account Fraud, and stated they have right to discriminate against anyone including XXXX American Veteran. Filed complaints with XXXX XXXX XXXX. XXXX XXXX is currently involved in a major lawsuit to to UNFAIR practices and Account Fraud. 

I request my XXXX XXXX Account remain open, Account Fraud stop. 
XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX I received a call from a number that came up on the caller ID as " Navy Fed '', the person on the phone claimed to be a Navy Federal Representative. He said his name was XXXX XXXX. He informed me of some suspicious activity on my account. They provided me a list of transactions that were not mine, this included a {$14000.00} loan. I checked my account and noticed that there was a {$14000.00} loan there. The " representative '' told me that my account was compromised and that they needed to reset my account and to move the money in my checking into an internal account under " XXXX XXXX XXXX XXXX '' that is supposed to protect my funds from getting transferred out. They informed me that I could only move {$4700.00} at a time. After following their instructions, I received a notification that it was a " Member-to-Member '' transfer. So I hung up the phone immediately and called back the Navy Federal number that I found online at XXXX. And the actual representative said that it was not them who I was speaking to. I informed the actual representative of the entire interaction I had with the claimed " representative '', and that I needed to cancel the {$14000.00} loan AND the {$4700.00} member to member to transfer. He stated that his team also noticed the {$4700.00} loan and flagged it. He also stated that they would be " PUT THE FUNDS ON HOLD '' so it would not transfer, until the Fraud department did their investigation. He reset my login, password, and code word, then sent me a " Affidavit of Forgery '' form to fill out and submit. So I did. 2 days later I noticed that the funds still got transferred out. I called back several times requesting a status, and they said their team is still investigating. After my XXXX call ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) they said to give it 90 days to follow back up, So I did ( XXXX ). When I called, they stated that my claim was denied. I never received this letter. They told me to send in an appeal. Which I did on XX/XX/XXXX. This time, I did receive a letter of the denial of claim. So, I sent another appeal, because I do not believe that NFCU protected my assets as they said they would. I requested they investigate the account that my funds were transferred to because they are claiming to be a member but they are scamming other members. NFCU cancelled the {$14000.00} loan, but never refunded me back the {$4700.00}. All of these fraudulent activities happened in less than 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my rights many times, and I have experienced difficulty. Under the 15 USC 1681, I have rights ; therefore, I ask the following accounts be removed.

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

I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.
Product: Vehicle loan or lease

my name is XXXX XXXX, complaint is for yamaha financial services, they debited twice my montly payment, for XXXX, my bank refunded and blocked one payment, now yamaha applied fees for XXXX they said is because i press for recurring payment, his website has no choice to correct automatic payment., i called them, and they said i overpayment two months, but anyway, they charge me fees, the acount number is : XXXX yamaha phone number is XXXX my phone number is XXXX, my email is XXXX, i always pay before past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX  Account # XXXX ; and XXXX  Account # XXXX have 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 my written instructions
Product: Credit reporting or other personal consumer reports

I have no knowledge of this hard inquiry. The hard inquiry is a result of identity theft and it must be removed within no later than 4 business days as per 15 USC 1681, c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

Our loan with New Credit America has been paid in full and the company will not update our paid and closed information. Ive disputed the status with all three credit bureaus and the company is reporting to them that the open balance is accurate even though I provided screen shots and correspondence the account has a XXXX balance and is closed.
Product: Checking or savings account

I disputed a transaction on Cashapp, XX/XX/2022 for XXXX They denied it on XX/XX/2022, I asked to see the investigation they said they did and I never got a reply, I followed back with a message saying If there is any update on the dispute because I disputed it again, but no reply and whenever I contact customer service they just say wait 10 days for an update But nothing at all I contacted them more than 4 times, they give me the same reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax claims that they corrected and updated all the information regarding my XXXX XXXX account. They have listed date of last activity as being correctly reported alongside they verified account as being accurately reporting, I have attached their response to my complaint. an investigation result from equifax regarding this issue alongside a current copy of how my account is reporting on my file. 
Please have equifax the XXXX XXXX  .NO other credit bureaus are reporting this account.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Dear Sir/Madam, **RE : Cease and Desist Request** I, XXXX XXXX, am writing to formally request that the Consumer Financial Protection Bureau ( CFPB XXXX immediately cease and desist any further actions or communications concerning XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Jefferson Capital Systems account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the correct spelling of my name. All of the accounts on my annual credit report has the name XXXX XXXX without the D meaning that could be anyone. 
This request pertains specifically to XXXX and XXXX XXXX collecting inaccurate data and placing it on my credit report damaging my XXXX score. 

Despite my previous communications filed XXXX, I have not received sufficient clarification or resolution on the matter, and I believe the actions currently being taken by your office are [ unlawful, unjustified, harassing, etc. ]. As such, I respectfully request that you cease any further actions or communications regarding this issue and confirm in writing that no further steps will be taken. 

I understand that the CFPB has a mandate to protect consumers and enforce financial regulations ; however, I believe that the current situation does not fall within the scope of your authority. I request a formal explanation of your involvement in this matter, including any legal basis for the actions taken thus far. 

Should you fail to comply with this cease and desist request, I will be compelled to explore all available legal options to protect my rights and resolve this issue. 

I kindly ask that you provide written confirmation of the cessation of all actions related to this matter by 15 days from the date of this letter. Please send your response to the address listed above. 

Thank you for your prompt attention to this matter. I look forward to your immediate compliance with my request. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I received a letter from Capital One asking that I contact them. The letter indicated that I wouldnt be able to conduct transactions until I contacted them and threatened that the account would be closed in XXXX  days if I failed to do so. This is a new account that offered {$200.00} in bonuses if I met a certain initial spend. As soon as I met the spend, Capital One blocked the card and the bonus, for reasons I dont know. I have called several times, each time being told I would hear from some XXXX within XXXX business days. That call has never come. I fear that this will adversely affect my credit rating when Ive done nothing wrong. Furthermore, Capital One has acted fraudulently by blocking the card and the bonus as soon as I met the requirements for the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company abused my XXXX report in order to obtain Credit Line Increase by stating current Credit Score ( Security Freeze is Active! )
Product: Credit reporting, credit repair services, or other personal consumer reports

MY AMAZON STORE CARD ACCOUNT IS IMPOSSIBLE TO ACCESS BY MESSAGE TO ASK QUESTIONS OR MAKE PAYMENT, EVER SINCE I STOP USING MY STORE CARD ( ASKED FOR IT TO BE SHUT DOWN.

WHEN I TRY TO SIGN ON, RESET A PASSWORD, GET A CODE BY TEXT I CAN NOT GET THROUGH. EVEN MY NAME IS IN QUESTION. IT SEEMS I HAVE A NEW ACCOUNT NUMBER. NEVER SEEN IT BEFORE. AND A CASH ADVANCE (? ). NEVER WANTED THAT. AMAZON AND SYNCHRONY AND XXXX XXXX ARE SOMEHOW CONNECTED. THEY ARE TELLING ME I MISSED PAYMENTS AFTER YEARS OF EXEMPLARY ON TIME PAYMENTS. NEVER MISSING 1 PAYMENT IN 7 YEARS AT LEAST. I AM UNABLE TO GET ONLINE WITH THEM. WHEN I TRY TO GET A CODE TO CHANGE MY PASSWORD, I AM TEXTED THAT AN UNUSUAL ATTEMPT HAS BEEN MADE. I DON'T KNOW HOW THIS ALL HAPPENED. THEY CHARGED ME {$39.00} AS A LATE CHARGE. I NEED TO KNOW HOW TO STRAIGHTEN THIS OUT. GET RID OF THE LATE CHARGE AND ACCESS MY PAYMENT PAGE ON AMAZON STORE CARD. THEY TELL ME MY NEW ACCOUNT NUMBER ENDS IN XXXX. (? )
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Chargeoff XXXX **** Date XXXX XXXX XX/XX/XXXX Balance Owed : {$8400.00} - late/Open
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cannot furnish an 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 or 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.