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

I have a credit card with Capital One. The interest on purchases is 21.4 % and the interest on cash advances is 26.4 %. My balance on the account for my XXXX states is {$2700.00}. The overall credit limit on the account is {$3000.00}. I have a cash advance credit line of {$1500.00} but some how the cash advance balance is {$2600.00}. I haven't gotten a cash advance in almost two years. To my recollection, I have never missed a payment. I spent almost two hours talking with two different representatives trying to ascertain ( 1 ) how my cash advance balance is almost {$1000.00} over the limit ( 2 ) why the {$26000.00} does not appear to have gone down in the almost two years since I have took out the last cash advance, and ( 3 ) how the the cash advance balance get to be such a high balance in relation to the overall line of credit. Neither representative could explain any of my questions. They tried to say that the reason for the balance is because of the interest that accrues on the account every month. However, the interest that is charged on the account can't be more than the minimum payment or the account will never be paid off. Example ... my XXXX statement says the minimum payment is {$87.00} of which {$58.00} was interest charged for the cash advance and {$2.00} was interest for purchases. I made a {$100.00} payment. There is not logical way that the cash balance should go up, even if I pay the minimum payment it still should not accrue a {$1000.00} of interest.
Product: Money transfer, virtual currency, or money service

There were two unauthorized transactions made from my account. Id like to file a dispute under Regulation E and get my money back. Both transactions were from Zelle in the amounts of {$400.00} and {$50.00} respectively. I did not authorize these payments because they were on the day I get paid and part of my money is withdrawn at an ATM at XXXX to get rent money out. I have provided proof of this in the form of screenshots of the unauthorized transactions to my XXXXXXXX XXXX Account and my transaction history on payday.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$2100.00} XXXX XXXX {$3500.00} XXXX XXXX {$4500.00} XXXX XXXX {$2400.00} XXXX XXXX {$990.00} XXXX acquired my student loans from XXXX  XXXX XXXX on XXXX XXXX, and reported XXXX late payment for each loan in XXXX. XXXX  XXXX XXXX never reported any late payments nor was I ever late on any payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been a victim of identity theft. Someone has stolen my identity and has used it to open accounts without me knowing or without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two areas to address here against Credit Karma.

I feel as if Credit Karma has deprived me of a fair opportunity to obtain credit. I received numerous offers from Credit Karma via email and online portal, advertising offers to Pre-Approvals and Approved card statuses. I applied for my opportunity resulting in inquiries and denials. Credit Karma states that their offers won't impact your credit, when in fact they do. Each denial I received is a denial to me and a gain to others, for the use of my social security, and this is done WITHOUT a gain to me. Credit Karma you have deceived me if this is a credit monitoring service as advertised, whoever assigned to my Credit Karma online profile, should have known what my report looks like, stating I was approved or preapproved for a loan and being denied wasnt an uplifting nor fair moment and I fault Credit Karma for that.

This is the second deceptive experience I have faced with Credit Karma.

Credit Karma 's online profile is displaying false credit information from cred
it reporting agency XXXX XXXX. ( Please see attached documents ). Credit Karma has not contacted me at any time to verify if the information that is being displayed is accurate. You update misinformation. Credit Karma possesses 0 consent from me to publish, furnish, or display an inaccurate credit report by any Credit Reporting Agency. I feel this is slander towards my character. Credit Karma has possession of false information without proper consent, this information is seen amongst Credit Karma employees, and online support. I count 0 wet inked signed documents Credit Karma has of my latest dispute with XXXX XXXX. This causes mental anguish on my part. My credit report will show that I try my best to maintain a fair report, with deceptive approval offers this caused me to receive denials from the same institution that Credit Karama Approved and Pre-Approved me for. This is not fair!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email from XXXX XXXX saying a hard inquiry has been added to my credit report. I logged in and checked there were 5 new hard inquiries on my report that I did not authorize nor have any idea where they came from. I have not applied for any new credit cards, loans, or car loans. I also checked the personal information section and there was a company listed under employer called XXXX XXXX XXXX XXXX which I have never worked there or heard of that company. Also in the personal section there was 2 additional names under mine. Which I only use one name my whole life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only are there inquiries on my report that I did not receive anything for which is a form of identity theft but there are accounts on my credit report that have not been validated thoroughly and correctly, been removed and reported on again, and my wet ink signature proving my CONSENT to share my PERSONAL AND PRIVATE information with these third party credit reporting agencies was NOT obtained.
Product: Credit card

I applied for a BUSINESS card for my CORPORATION only to find out that the Citibank ran a credit check on my individual credit. I did not authorize them to do that. When someone applies for a corporate card with its own tax id number then the bank should utilize the information and run credit on that legal entity applying for the credit. The entity has been in business for over 18 years and if the bank does n't want to provide credit to the entity that is fine but they had no right to run credit under my personal information since I was not applying for credit personally. This has a negative effect on my credit score since it reflects as if I personally applied for credit and reduces my personal credit score which has nothing to do with my corporation. That is the reason they call it a BUSINESS CARD and not a regular credit card. This conduct of bank is not justified and should be stopped.
Product: Credit reporting or other personal consumer reports

I sold my home regular sale last year and transunion keeps reporting it as closed do to XXXX. And it's not the lender XXXX XXXX  told me they did not report it like that they know it's a regular sale and they got payed and they told transunion that but they can't do nothing because only transunion can fix that. All I want is for transunion to updated so I can get credit because I can't because of there error please updated I send them the receipt from escrow that the home sold for {$450000.00} and everyone got payed
Product: Credit reporting, credit repair services, or other personal consumer reports

I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

AMERICAN HONDA FINANCE XXXX Date Opened : XX/XX/2020 Balance : {$24000.00} ;
Product: Debt collection

Calls during work hours and calling friends and family not original company owed
Product: Checking or savings account

On XX/XX/2020 I dropped off a form SSA-2458 at my local Chase branch, as directed by the bank 's reclamation team. While the reclamation team assured me that the branch would know where to send the form ( the ACH area of the Reclamation Department ). That was not true as the branch staff ( including the branch manager ) had no clue what to do with the form The morning of XX/XX/XXXX, I received a voicemail from the branch indicating that they figured where the form should go and scanned in the document to " the right people ''. 

After two business days, I have not heard anything further on the status of the hold in the amount of {$1500.00}
Product: Credit reporting or other personal consumer reports

I am disputing a debt of {$11000.00} that was reported to the credit bureaus and placed on my credit by Columbia Debt Recovery LLC DBA Genesis. This debt arises from a wrongful eviction that directly violated a judges court order prohibiting eviction at the property XXXX XXXX, where I was listed as the tenant. 
What Happened : A court issued an order prohibiting eviction at my apartment located at XXXX XXXX XXXX this court order, the property management wrongfully proceeded with an eviction and removed belongings from the unit. 

Columbia Debt Recovery LLC later placed a debt of {$11000.00} on my credit report related to this unlawful eviction. 

I formally disputed this debt and requested Verification of Debt from Columbia Debt Recovery LLC, including : Proof that the debt is valid despite the court order. 
Evidence of lawful compliance with Maryland tenant laws. 
To date, Columbia Debt Recovery LLC has failed to provide the requested verification or justification for this debt. The reporting of this inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Money transfer, virtual currency, or money service

I received a letter in the mail stating that my PayPal account was overdue. On XX/XX/2022 I called the phone number provided in the mail. I was told to purchase gift cards in the total amount of XXXX. Part of it was in XXXX grocery store and part of it was in XXXX quick store. I did as instructed and read all the numbers off the gift card to the man on the phone. As a result the total amount was charged to my credit card.
Product: Mortgage

Military XXXX XXXX XXXX move. We could n't sell the house so we leased to own. The leaser stayed for 6 years and left the home in poor condition. We are not able to continue payments or fix up the house to sell. We are currently in a review for mortgage help based on SCRA. In the mean time, our past due pmts are being reported and our hard work to build credit has been quickly taken from us. We pay on time and are good citizens. Now because we serve our country we get to deal with this. I am sorry we ca n't make the payments on the past house and our current house. I wish we could. If we did n't have to move, I would 've done everything I could to take care of our obligations, and I thought I was. Now we are stuck receiving minimal help and poor credit. Embarrassing!
Product: Credit reporting or other personal consumer reports

There are several late payment issues on my credit report that don't align with my regular payment habits. Kindly correct these mistakes and adjust my account.
Product: Credit reporting or other personal consumer reports

The date of the first delinquency you have does not match the date that I have under 15 USC 1681 B E you must provide maximum possible accuracy Im taking into consideration that The CFBP is suing you as well Im also requesting full disclosure of The XXXX  of my profile
Product: Credit card or prepaid card

We have been loyal customers of American Express for 20 years now. 
So, I looked into the finance charges over the past year on our American Express gold charge card and found that Amex has been charging me - {$1700.00} XXXX asked why, because I always pay my bill ON TIME and IN FULL. 
They said it was because i break the payment up previous to the due date and pay some of it early- BUT I ALWAYS EVENTUALLY PAY ON TIME IN FULL. 

How are they able to leverage a charge against us on a partitioned amount when that amount is always paid on time and in full? 

They refused to help me. Employee name is XXXX and her employee number is # XXXX she was the supervisor I spoke to and she said she was 'unable ' to help me get our money back. 

This was an unfairly leveraged fee on an already struggling small business that always pays ON TIME and IN FULL. American Express DOES NOT CARE about SMALL BUSINESSES!
Product: Student loan

I recently received several letters from a company called NAVIENT. the letters state that I now have student loans with them. I called to inquire using the account number on the letter. I asked what these loans were but the representative and supervisor could not validate these loans. they have no promissory note nor my correct date of birth. they asked me to send them copies of my social security card and drivers license. I do n't own these loans and I have no idea who or what this is about.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Capital One regarding their failure to provide IRS Form XXXX documentation for XXXX accounts they claim have been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

The details of the accounts in question are as follows : Account XXXX : XXXX with a reported balance of {$760.00}. 
Account XXXX : XXXX with a reported balance of {$520.00}. 
Account XXXX : XXXX ( duplicate or subsequent account ) with a reported balance of {$770.00}. 

I have previously contacted Capital One requesting a copy of the XXXX form for each of these accounts to verify their reporting of these debts as canceled or discharged. Despite my request, Capital One has failed to provide the requested documentation or any evidence supporting their continued reporting of these accounts. 

Without proper documentation, the reporting of these accounts may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate these accounts creates confusion and potentially damages my credit profile unfairly. Actions Requested : 1. Investigate Capital Ones failure to provide the requested 1099-C forms for the accounts listed above. 2. Verify whether Capital One properly discharged the debts and issued the required documentation to the IRS.

3. If Capital One can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to these accounts from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that Capital One complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX, equifax and XXXX. I am unable to review my XXXX  report on XXXX XXXX XXXX. I will be attaching copies of disputes submitted through certified mail and my attached FTC affidavit to dispute fraudulent or inaccurate reporting to my credit report. Thank you
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
BK OF AMER XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a watch online and paid {$4500.00} to the seller using XXXX. The seller has since stopped all contact and refuses to reply to my messages or answer calls even though I know they are receiving them. I called Chase to help and they closed the claim right away and passed the information to XXXX.
Product: Debt collection

I am currently {$100000.00} + in debt because XXXX College took out multiple loans under my name. For XX/XX/XXXX alone I have 5 loans taken out totaling {$20000.00}. XX/XX/XXXX I have 4 loans out for a total amount of {$18000.00}. I have tried contacting the collection agency where my account is in and no one will give me information other than the total loans I have. The current collection agency names, XXXX told me to contact Federal Student Aid, then I was asked to contact the collection agency for " better assistance ''. I do n't understand how you end up paying XXXX for a XXXX XXXX XXXX for a college that no longer exists. Where can you dispute this kind of problem!
Product: Checking or savings account

Werent charged overstated fees which I didnt make and they closed my account
Product: Credit card

On Thursday, XXXX XXXX, I received a call that my credit card XXXX Barclay 's XXXX XXXX XXXX had been flagged for fraudulent information. It was an automated phone call from XXXX. I verified all information and was told at the end of the call that the security hold had been removed as I had properly verified all information. Following that call, the hold remained in place. It was not removed as indicated. Subsequent calls to XXXX have not resulted in an answer, and I was XXXX from critical business spending during at least XXXX business day without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THOSE ACCOUNTS ON MY CREDIT FILE. PLEASE INVESTIGATE YOUR CREDIT REPORT AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FILE.
Product: Credit reporting

After reviewing to response that I have received from Transunion, I do not believe there has been a complete investigation done. XXXX is the only credit reporting agency that continues to report false information and has provided my credit report to over 20 businesses without my consent. Based on both the FCRA and the FACT Act, I understand that Transunion has been violating right I am entitled to. There should be no reason that my credit has been provided without my consent. I have uploaded my report, and it shows that Transunion has failed to remove this information and that they have been providing credit reports without my consent. Additionally, after redisputing this with them, they have failed to act within the consumer protection laws, and need to rectify the situation. I have no idea how inquires keep showing up on my report without my consent. The security freeze I have on my file should prevent this, but Transunion has failed in doing so. I have outlined the information in red that I have attached and I should no longer be affected by.
Product: Student loan

Nelnet XXXX be violating provisions of the Privacy Act of 1974 in relation to the servicing of my federal student loans held by the Department of Education ( DOE ). 
Any authorizations I have provided to the DOE to access my records and access to my personal consumer information do not automatically extend to third-party contractors like Nelnet. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nelnet can only access my personal records and accounts for specific permitted purposes outlined in the servicing contract with the DOE. Nelnet does not have unlimited rights to collect, use or disseminate my private information how they see fit without my direct written consent. 

However, it appears that Nelnet has obtained extensive personal information about me from the DOE database and has been utilizing this information without my knowledge or consent. This may be in violation of Privacy Act provisions that require government agencies to only share individual records for specified purposes and with limits on reuse of the data.

Additionally, I do not recall Nelnet ever providing me with a direct privacy notice about its information practices related to my private student loan data, which is required under the Privacy Act. Servicing contractors like Nelnet must clearly disclose what borrower information they collect, how it is used and with whom it is shared. Nelnet can not rely on the Privacy notice provided by the Department of Education since they are not a subsidiary or extension of the DOE, but merely a private contractor hired by the DOE.

I am writing to formally notify Nelnet that I do not consent to the collection, use, dissemination or reuse of my personal information in any manner that violates the restrictions and protections provided by the Privacy Act of 1974. I HEREBY REVOKE and RESCIND any and all authority given to NELNET to disclose any account information to a Private Consumer Agencies or Third-parties, like XXXX. 

Please immediately review Nelnet policies and procedures to ensure full compliance with the Privacy Act and provide me with specific details about Nelnet 's handling of my private student loan information and disclosure about opt-out. 

Please respond in writing within 30 days to confirm receipt of this notice and provide assurances that Nelnet will align its practices with the Privacy Act.
Product: Credit reporting or other personal consumer reports

I have identified information on my consumer reports that are a result of identity theft, these items are not related to any transactions completed by me.