23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I suddenly ( out of my control ) had to switch careers at over XXXX XXXX XXXX, thinking XXXX  would be a beneficial move. XXXX XXXX XXXX XXXX XXXX seemed promising, especially with their claim that over 80 % of graduates secure a job within a few months. However, I haven't been able to find any employment since completing the program. Despite my certificate from XXXX, I haven't received any preferential treatment in the job market. 

I've exhausted all my savings and maxed out my credit cards to keep up with the monthly payments. I requested a deferment of my payments XXXX  months ago, but I was told on XX/XX/year>, that I needed approval for the deferment and would hear back. It's now XX/XX/year>, and I still haven't received any response. 

Adding to my frustration, I've had to be extremely cautious about the companies I apply to, ensuring they're legitimate and not scams. Unfortunately, my information has been compromised twice during my job hunt, forcing me to freeze my credit to prevent further fraudulent activity. 

To make matters worse, I found that most companies prefer a XXXX XXXX XXXX for the positions I was told I would qualify for with the XXXX XXXX. As a result, I am now enrolled in a local XXXX  college to pursue a XXXX 's in XXXX, which will take me 1.5-2 years to complete. None of the information provided by XXXX, XXXX, Climb Credit, or other affiliated companies has been accurate, making this entire experience a total waste. 

This situation is unbearable and is causing significant financial and emotional strain. I'm questioning my sanity as I struggle to manage my already tight financial position.
Product: Credit card

I am writing a formal complaint against Capital One regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ), to opt-out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified Capital One that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to their institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S.C. 6802, and I have retained documentation of my communication with the institution. Despite my specific opt-out request, and my clear assertion of my rights under the GLBA, I have reason to believe that Capital One has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the consequences of this unauthorized sharing, including the potential for identity theft, fraud, and other financial harm. 

I kindly request, the Consumer Financial Protection Bureau investigate this matter thoroughly and take the appropriate action to ensure that Capital One complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation, and any actions taken to address the violations committed by Capital One. 

Please feel free to contact me directly at : XXXX or XXXX if you require in any other information or documentation to proceed with the investigation. 

I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Money transfer, virtual currency, or money service

CAPITAL ON BANK CASE # XXXX CASE OF FUND NOT RECEIVED ON TIME AND LOST {$500.00} FOR CLOSING MY HOUSE. 
Capital One Bank Transfer {$350000.00} {$64000.00} Transaction Type : Electronic transfer Appears on statement as : CLOSING THE HOUSE ON XXXX - Withdrawal to Capital One Bank XXXX Memo CLOSING THE HOUSE ON XXXX SINCE A/C # -- -- XXXX WAS LINK TO MY LOCAL BANCK WHERE I WANTED TO HAVE CASHIER CHECK. 

NOW THE ACH WAS GOING TO TAKE 3 TO 4 DAYS I CALL CAPITAL ONE to Capital One Bank XXXX AND AS PER AGENT SPOKE SAID HE WILL STOP ACH AND THEN HE WILL WIRED THE AMOUNT ON SAME DAY. 
CASE # REPESENT ALL DETAILS ON WHAT HAPPEN AND I COULD NOT GET MY OWN MONEY ON TIME AND LOST THE CLOSING OF MY HOUSE AND HAD TO PAY TO MY LAWYER AGAIN {$500.00} EVERY TIME NEW AGENT AND NEW STORY ABOUT WIRING THE AMOUNT THEN THEY GAVE ME THE CASE # SO THAT I WILL GET MY {$500.00}. NO RESPONSE FROM CAPITAL ONE AND NOW THEY SAY THEY CAN NOT PAY {$500.00} FOR MISREPRSENTION OF AGENT. 
THEY GAVE ME THE CASE # AND SAID SOMEONE WILL CALL BACK OR EMAIL BUT NO REPONSE.
Product: Checking or savings account

I am a XXXX XXXXXXXX who utilizes Synchrony Financial to offer deferred interest financing to my customers since XXXX. Once jobs are completed, a customer will sign off on the acceptance of the work and I will submit a transaction to Synchrony in which they will pay me the contract value less a small fee and then work directly with the customer to get paid on a monthly basis. 

At the beginning of XXXX, I changed my business from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown to me, this change also resulted in a new Taxpayer Identification Number being issued by the IRS. Because my TIN number that Synchrony had on file was no longer valid, they started withholding 26 % of the customers ' payments owed to me in which I can get this money back when I file my XXXX taxes in XXXX ( a year later ). It was my error in not realizing my TIN number changed and I submitted an updated XXXX with correct TIN number to Synchrony on XX/XX/XXXX to XXXX. I followed up with a second e-mail on XXXX and also spoke to multiple departments over the phone and no-one can confirm my W-9 was received despite saying it should be updated within their system in 3-5 business days after submission. I followed up again via e-mail on XX/XX/XXXX and again this morning ( XX/XX/XXXX ) via phone. When calling their Merchant Services department, I get bounced around like a ping pong ball and do not get any answers or resolution. 

My problem is that I have a completed job in which the customer has signed off on but I can not submit to Synchrony for reimbursement until they process my updated W-9 and remove the IRS Business Withholding . I am just not getting any answers from Synchrony at this point. As a small business owner, my profit margins are only around 25 % to begin with, so withholding 26 % on my gross revenue jobs ran thru Synchrony is actually making me breakeven or lose money which is not a sustainable business.
Product: Debt collection

This letter is regarding the so called second account which you claim I owe {$38.00} for The {$34.00} that I settled to pay to you all was for the so called second account that's {$38.00} that your company claimed I could pay and settle for {$34.00} on behalf of XXXX XXXX XXXX. This is the reason you all received my information in the first place on behalf of the original creditor which is XXXX XXXX XXXX! This is a formal notice that your claim is disputed. I am requesting validation, made  pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you for this account. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). I'm sick of going back and forth with you all this is ridiculous! First you claim I had no account, then you couldn't find it, then I paid it, now there is a second account ... ..I smell Fraud!!!
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 XXXX  XXXX # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 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 want to inform the credit bureaus AGAIN that I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a medical debt that should have been paid by medicaid but it wasn't. Now i have not one but 2 duplicate collections on my credit report from different companies for a debt that i never should've had to pay to begin with.
Product: Credit reporting 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 Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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: Payday loan, title loan, or personal loan

I borrowed {$3000.00} I have paid {$2600.00} My balance is {$3200.00} This is INSANE Can someone help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an Identity theft report, FTC # XXXX to XXXX, Equifax and XXXX advising of the fraudulent accounts listed. The accounts are as follow : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Equifax and XXXX have ignored this very serious matter. I also wrote to the XXXX mentioned agencies on XX/XX/XXXX and have not heard back, this matter is still unresolved and in clear violation of my rights as an CONSUMER. I demand for the above listed accounts be removed from my credit profile.
Product: Debt collection

Date not known {$730.00} Company indicates unverified amount in collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  and paid in full the owed amount of XXXX I then contacted the collection agency that had the account on XX/XX/XXXX and XX/XX/XXXX, to make them aware and I also emailed proof, the collection agency continued to tell me the debt is owed. 
I also paid XXXX XXXX Bank in full and asked if my credit can be updated, I submitted a dispute with XXXX XXXX  and was told that the debt was still not paid, and my XXXX  XXXX card shows paid in full. And the credit report dispute was closed and my credit report was not updated.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection ACT ( CFPA ). Specifically, the cash app failed to ake timely and effective measures ti prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about an issue I have had with XXXX XXXX. I have a XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with them. Back in XXXX of this year I lost my job which caused me to require financial assistance so I called comenity to let them know. They transferred me to their Hardship Department which set me up on a payment plan with them. Since that date they have been automatically taking payments from my account. I have called them so many times to explain to them that my account is not being accurately reported to the credit bureaus. They dont believe me and will not help me. The representatives do not understand what I am asking for they will not help me in any capacity. 

I am on time with my payments and so far the only account which reflects this is XXXX XXXX. Not only is this effecting my credit it has caused me to get denied for housing. Ive tried disputing it with the bureaus and they will not remove it. This is insane that they are allowed to do this when they are taking the money from my account each month automatic payments! Ive emailed their ceo their executive office no one will help me. As you can see from the screen shots the last time theyve updated their reporting for me was may and XXXX of last year siting also that they havent gotten a payment since XXXX when they just withdrew a payment from me in XXXX! Please help me!!!
Product: Credit reporting or other personal consumer reports

I am filing this, complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve chis directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. Trans union credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These dates were all taken place on XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are hard inquiries that I had from companies that I did not give my consent to and that I don't have an account with at all.. that makes improper use of my report.. 

Capital one XX/XX/2019 XXXX XXXX XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  - XX/XX/2019 XXXX/XXXX  - XX/XX/2019 XXXX XXXX  - XX/XX/2019 National credit card cos.
Product: Checking or savings account

I closed a CD with Ally Bank back in XXXX and I was told that they were going to wire the balance, {$12000.00} to my account at XXXX Bank. When the money never hit my account I called Ally and was told that they had actually sent a paper check and that I had to wait for it. I waited and the check never arrived. I called again in XXXX and I was told that I would have to fill out a form stating that I never received the check and get it notarized. I did that and requested once again that the money be sent directly to my account. Again, the money never arrived. I called again in XXXX and the person I spoke with was very apologetic. She said that it looked like another paper check had been sent but she could see that it was never cashed or deposited and that she was going to escalate the issue and that someone would call me back by the next day. It was three more weeks before I heard from them again. The woman I spoke with today was rude and impatient and she told me that I would need to get another form notarized to request another check. I said that this obviously isn't working and that it's ridiculous because they have my information, they have my form, and most importantly they still have my money. I asked if there was a branch or anywhere physical for me to go to get my money and I was told that they were an online bank and that my only option was to keep leaving work to get the exact same form notarized with still no indication that I would ever actually receive my money. This is a lot of money and I had been counting on it to help pay for holiday bills this year but now it is almost a year later and I still can't seem to be able to get them to send it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX -Attempt to establish a service agreement with XXXX via authorized retailer XXXX XXXX XX/XX/XXXX -Received e-mail from XXXX XXXX that product was shipped to home address XX/XX/XXXX -Received e-mail from XXXX XXXX that product was routed to XXXX XXXX XXXX  XX/XX/XXXX -Contacted XXXX XXXX ; Retailer verified the package as lost. Requested a reshipment of device under XXXX XXXX in place of contract with XXXX. XXXX XXXX Representative approved. 

After submitting this information to XXXX, the company refuses to acknowledge a miscommunication between retailers and proceeded to place a non-existent collection in my name for a XXXX device I never received. 

I have submitted several disputes with all 3 credit reporting agencies and nothing has been resolved. I have contacted XXXX several times to remedy this over the course of a year to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information.

If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is displaying late payments on my credit report. I never paid late. I am a mother of XXXX kids with a XXXX XXXX XXXX this is affecting my credit very badly and preventing me to give my kids the life they deserve.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX