23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX. I am NOT a 3rd party.I am a natural person submitting this complaint, and I am requesting that these negative items be removed from my credit report.

I AM DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!

I am writing to address a serious issue regarding the closure and subsequent reporting of a late payment on my now closed Capital One account # XXXX. 
On XXXX XXXX I attempted to log into my account which was restricted by Capital One. I called customer service and was given NO explanations to why this occurred. 
Furthermore, I have NEVER paid late on this account since being a customer of Capital One since XXXX. I am aware of my rights under the Truth In Lending Act ( TILA ) and the Consumer Credit protection Act ( CCPA ), which protect consumers from unfair or inaccurate credit reporting practices. It is my understanding that under these laws, financial institutions are required to provide consumers with clear and timely notifications of any account closures and to ensure that any negative information reported to credit agencies is accurate and verifiable. I am deeply concerned that these laws may have been violated in the handling of my account closure and the reporting of late payments post-closure.

Pursuant to 15 U.S. Code 1666b-Timing of Payments : ( A ) Time to make payments A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not late than 21 days before the payment date.

The issue with this is there was no statement provided to me as Capital One has restricted my access to even receive any statements as of XXXX XXXX and also nothing was received via mail.If so, Can you provide me with the tracking number of the periodic statement that was mailed or delivered 21 days before my payment due date along with all of the information required by Section 1637 ( b ) Furthermore, Section 806 ( g ) of the FCDPA, prohibits any unfair or unconscionable means to collect or attempt to collect a debt, which could apply if late fees or additional charges are being applied to a closed account post0closure in an inappropriate manner. 


YOU ARE BREAKING THE U.S. FEDERAL LAW in the manner in which this account is being reported and handled.

I AM DEMANDING YOUR COMPANY DELETE THESE LATE PAYMENTS POST-ACCOUNT CLOSURE AND UPDATE YOUR RECORDS TO REFLECT SUCH, PLEASE SEND ME A COPY WITH WRITTEN CONFIRMATION OF ANY CORRECTIONS MADE TO MY PAYMENT HISTORY AND ACCOUNT STATUS.
Product: Money transfer, virtual currency, or money service

I was scammed. Sent a payment to someone on cash app and was not provided with the service. Attempted to get a refund. Cash app would not investigate for fraud and refused to refund the money.
Product: Money transfer, virtual currency, or money service

My cashapp had got hacked and there was an unauthorized transaction off {$700.00} sent to another user I contacted cashapp about the matter and they told me they couldnt do anything about it and to report the account
Product: Credit reporting, credit repair services, or other personal consumer reports

We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX Inquiry : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY
Product: Vehicle loan or lease

Tried to purchase car, realized it was lease. Tried to register car, company does not have title. Reporting on credit report but do not own car.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX  Account Number : XXXX Dear CFPB, I am writing to dispute inaccurate information being reported on my credit file regarding the XXXX XXXX XXXX account. The reporting of late payments on this account is negatively affecting my credit report and financial opportunities. 

The reported late payments for the months of XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ) appear to be in violation of the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant sections of consumer protection laws, including 15 U.S. Code 1666b, 1681i, and 1681s-2. 

I formally request a reinvestigation to ensure the accuracy of the late payment information. Additionally, I request the following specific details for my own records : The exact number of days I was late for each of the months listed as having late payments. 
A total calculation of how many days late I was across all months. 
If the reporting of these late payments can not be verified or confirmed as accurate, I respectfully request their removal from my credit file. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX
Product: Debt collection

The Simon 's Agency in XXXX XXXX put a medical debt that my ex-husband is responsible for in the name of my XXXX year old child. They have relentlessly called my personal cell phone and sent letters to my address where my ex-husband has never lived. They also suddenly changed tactics and decided to put the debt in the name of my daughter. When I called they refused to change the name to the father of the child who is listed on the health insurance and who 's address is listed on the insurance ( I have nothing to do with and have never had anything to do with this insurance ). I spoke to XXXX XXXX about this matter and they called Simon 's Agency to change the name to the father, but Simon 's refused to change the phone number or address so I will continue to get the bills and phone calls. I just received a phone call XXXX mins ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XXXX XXXX XXXX IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XXXX OF 2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, XXXX XXXX  FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the Morgage company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : //www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a
Product: Vehicle loan or lease

I have sent these companies two rescission documents, with all proof of the fraud in the contract they mislead and coerced me into endorsing. XXXX XXXX XXXX and Ally financial never received nor have I ever signed power of attorney over to them. XXXX XXXX XXXX committed fraud by registering my car without my permission. XXXX XXXX and Ally never provided me with the right to rescind documents which is against the law and a violation of my rights as a consumer. I have provided all necessary documents in attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX this account is involved in litigation XXXX XXXX XXXX this account is involved in litigation XXXX XXXX XXXXXXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.
Product: Credit card or prepaid card

There has never been a missed payment on this card, but on 3 separate occasions First progress has dinged my credit for 30 day lates. Now I can not use my card even though there is available balance, and a recent payment. When I called the company they said its because of a missed payment, but even there online service shows the made payment and the customer service agent can't figure out why my card was being declined. My understanding is this is not a legitimate or legal procedure I asked to close the account and they stated it would take 14 weeks to do that, they will not let me talk to anyone else at the company, nor transfer me to a legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

DEPT OF EDUCATION/XXXX  {$37000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XX/XX/XXXX. this is incorrect information DEPT OF EDUCATION/XXXX  {$31000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XXXX XXXX this is incorrect information
Product: Credit card or prepaid card

I booked a hotel through Chase Ultimate Rewards on XX/XX/2022. The purchase was charged to my XXXX XXXX whose benefits include a {$50.00} statement credit for such bookings. The credit was not given. 

My claim to the missing statement credit was considered and declined on XX/XX/XXXX with an explanation that is not in keeping with the terms of the benefit. 

Terms state : " A statement credit will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Ultimate Rewards program, up to an annual maximum accumulation of {$50.00}. '' The Chase representative justified not honoring the benefit because the Ultimate Rewards portal was initially accessed through a different card account. There is no stipulation to that effect in the terms. In fact, it is a nonsensical explanation because the same portal serves multiple card accounts. What matters, according to the terms, is that the charge is made to the card with the benefit in question. 

In addition, it is galling that disputes of this kind seem to be closed automatically after the second response from the company, regardless of facts or arguments. The same happened just a few weeks earlier when I complained about a different problem. I had booked an airport transfer through the XXXX XXXX which is serviced by XXXX XXXX if I am not mistaken. This booking was to be fulfilled through another intermediary ( in this case XXXX ). The airport transfer I paid for never materialized, and my local attempts to resolve the problem were not successful. I had to arrange for a separate ride while Chase chose the convenient answer that they have no control over services that go through other parties. Accordingly, Chase closed the case without refunding me for the service that never was. 

Chase does have control over the companies they choose to partner with. Likewise, if your corporate partner effectively defrauds your customer, you can choose whose side you would be on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Product: Checking or savings account

I participated in the bank of america promotional offer through their website stating that if a new checkings account was opened using the direct link on their website, I would qualify for a {$300.00} bonus after {$2000.00} or so amount in direct deposit is placed into the account wihtin 90 days. I called in today and they noted me that I never started that promo and that that promo ended when I had participated which is not possible considering the link was still eligible, active, and listed on their website. 

To note, I even used the promo code they had provided to me. XXXX. 

Not only that, they even renewed this offer. But now stating I never started the process https : XXXX? XXXX
Product: Vehicle loan or lease

On XX/XX/2023 my attorney XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  sent out a Notice of Recission of Lease Assumption BK CASE No XXXX Pursuant to Section 365 ( d ) ( 2 ) of the Bankruptcy Code, a debtor may reject any executory contract, including a lease, prior to discharge. XXXX XXXX XXXX  informed VW Credit Inc. to come and acquire their vehicle in XXXX of this year of XXXX  which VW Credit Inc. Failed to do. After sometime during this whole process they came a took the property in the middle of the night without informing my attorney or the Courts at all. A few days later or so I get an alert through email from all three Credit Bureau Reporting companies that my vehicle was an involuntary repossession. If that was the case then how come my attorney informed you of the Notice of Recission of Lease Assumption through mail and email which VW Credit Inc. failed to respond for this situation? VW Credit Inc. has damaged my credit worthiness and I am seeking damages in a civil law suit. There is no excuse for what you're doing bottom line. Especially since you have your property back. Therefore, VW Credit Inc. is civilly liable for all the damages that incurred. I will sue very soon! Just to make that clear.
Product: Credit reporting or other personal consumer reports

I reviewed my Credit report in XXXX of XXXX and noticed some things were incomplete and not accurate. I sent Equifax a letter in regards on XX/XX/XXXX certified mail ( Receipt # XXXX XXXX XXXX XXXX XXXX ). Equifax sent a response to me stating that these accounts were verified and accurate when they are not. I sent Equifax another dispute on XX/XX/XXXX XXXX XXXX Number : XXXX in regards to the investigation results still having inaccurate information. According to the Fair Credit Reporting Act, 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate due to the " Date Last Paid '' reflecting the incorrect dates on all XXXX credit bureaus. Also, according to 15 USC 1681s-2, 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. Please refer to the attachments.
Product: Credit card or prepaid card

Card Type : Citi / XXXX XXXX XXXX XXXX  Mastercard Issue : Not refund membership fee {$450.00} Abstract : I contracted this card as it provided access to XXXX XXXX Clubs  in the XXXX. I could have been flying any airlines ( not XXXX - XXXX XXXX ) and still be able to access the clubs as a cardholder member. 

On XX/XX/1919, when accessing the club I was asked for my flight ticket to be granted access. I was also informed the changes took place on XX/XX/1919. 

On XX/XX/1919 I called Citi to close my account and was then informed they would not refund my {$450.00} USD as the membership was charged on XX/XX/1919 and it has been more than 60 days ( 63 days to be exact ). 

The only reason I wanted to close the account is due to the fact there was a substantial change in the terms and conditions to access the clubs and no information had been provided in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a medical bill to me and I have health insurance and I gave it to the hospital.
Product: Debt collection

Portfolio Recovery Recovery Associates - NOT MY ACCOUNT I disputed with XXXX and they never removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX/DEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) concerning the account listed below. These violations infringe upon my federally protected rights to privacy and confidentiality, specifically under 15 U.S.C. 1681. 

**Account Name : ** XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and delete from my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account JXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and delete from my credit report. 

The following sections of the FCRA are particularly relevant to my case : 1. **15 U.S.C. 1681 Section 602 ( a ) ** : This section affirms my right to privacy regarding my consumer information.

2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** : This section stipulates that a consumer reporting agency can not furnish my account information without my written consent. 

3. **15 U.S.C. 1681c ( a ) ( 5 ) ** : According to this section, no consumer reporting agency may include any adverse information in a consumer report if it is older than seven years, except for criminal convictions.

4. **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** : This section prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I request that you investigate this matter promptly, as these violations have caused me significant distress. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance. 

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

I received a letter from CFPB stating that this claim was closed to protect my privacy because you all did not think this was me. The claim that i am not trying to fix my own credit using my own resources and knowledge is frivolous as it does not make sense due to the fact that during the initial submission of the original complaint, I selected that it was me submitting the claim on behalf of me, so how do you send a letter saying that it's not me. How can you deny me a proper investigation or research but not approach the furnisher of data with the same efforts. I have sent multiple written letters sent via certified mail to the original creditor XXXX XXXX XXXX asking for verification of this debt, I've sent multiple letters asking for verification of this debt to the current collection agency XXXX XXXX XXXX and have not received a response. I have proof and documentation of all communication to each of these individual companies and not one of them has provided me with the proper documentation that verifies this debt is mine as i have continued to express THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY DUE TO BEINT FRAUDELENT ; I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; I have been in contact with all 3 credit reporting bureaus and was able to successfully have this account deleted from XXXX due to it not being able to be verified as mine however XXXX and EQUIFAX Continue to state that the account meets FCRA guidelines and the account has been verified. XXXX XXXX XXXX has never proved this debt belongs to me legally, as to why it was removed from Equifax, so please explain to me how it is still being verified as mine with other agencies if data furnishers are required to submit the same accurate information to each bureau.
Product: Credit reporting or other personal consumer reports

I would like to follow up and express my deep concern and frustration regarding the ongoing issues with late account openings, despite our repeated attempts to rectify these matters. The persistent occurrence of late account openings not only disrupts our operational efficiency but also reflects poorly on our organization 's commitment to providing timely and reliable service to our customers. I urge you to conduct a thorough review of our account opening procedures and systems to identify any underlying issues or deficiencies that may be contributing to the persistent delays. It is essential that we implement robust controls and enhanced monitoring mechanisms to ensure that accounts are opened in a timely manner and in accordance with regulatory requirements. Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by late account openings. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$250.00}.