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

Capital One has to be the worst company to have a credit card with. Especially, when facing financial difficulties and having gone through TWO Federal declared disasters. If this is, In your wallet, you will NOT get help or any kind of assistance. After asking for assistance over and over again, during a global pandemic, I still can not get assistance. After being affected by the Texas Winter Freeze and having pipes burst in our home, I still can not get assistance. I have recorded phone conversations where Capital One customer service representatives bluntly say, Im sorry, but we can not do anything to help you because your account isnt delinquent. Unfortunately, there is nothing we can do or offer you at this time. I reply, I am trying to avoid this and hoping that I can, so my credit will not be affected when I can not make the payments. Still NO! Over the years, the only help that I received from Capital One is that they lowered my VERY high interest rate from 25 % to 23 %! My interest on the two accounts that I have with them has NEVER been lower than that 23 %. As a matter of fact, after this 6 months period was over, they raised to 27.15 %!!!! Now, my account is delinquent and my credit score is ruined! Guess what? Capital ONE still will NOT help me!

At this time, we are struggling to pay our debts. It started two years ago when I lost my job the day before XXXX through XXXX and until XXXX. 
We havent reco

vered from that, then, we had pipes burst inside the walls in our living room of our house. Next, the pandemic happened! Every month, I was threatened if I would be laid off or not. Fortunately, I did not get laid off like some of my colleagues did, but my salary was decreased by 40 %! We also were affected by the Texas Winter Freeze and had pipes burst again causing over {$45000.00} in damages! I dont understand why they can not help in this time of need. Especially since Ive never
been late until NOW!

What can I do? I am including a spreadsheet that shows Capital One changing my interest rate every few months and how much they have actually charged me in these years. PLEASE HELP MY FAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finally EXperian is getting sued for their illegal practices. 
" On XX/XX/year>2025, the Bureau filed a lawsuit against Experian Information Solutions , Inc., one of the largest consumer reporting agencies in the country. " https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/ I have filed several complaints. I have been dealing with Experian 3/4 year about paid 1099c debts etc. The Monterey Financial has given me another debt that was put on my report after calling and disputing these errors. The company just gave me another false loan number, 2025. So why did Experian tell me to call them when I knew I had no debt? All that company did was take down my XXXX to create a false debt!!!! 
Experian has sold, shared information to other debt collectors. 
I have other accounts that I have disputed that Experian simply did nothing.While disputing these accounts they never ever took them off my report DURING disputes!!! If you look through my profile/complaints you will see. 
Experian is the only credit bureau reporting inaccurate XXXX and data breaches. 
I only started a CFPB account just to report Experian and you will see 90 % of my complaints is for Experian.
Product: Debt collection

On XX/XX/2021 I Reached Out To Acima Credit XXXX XXXX About Accoun XXXX That Has Been Damaging to my credit report I asked for a debt validation I asked Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -License proof to collect debts in my state I have not received any documentation or any response it has been over 30 days since the letter was mailed and I stated in my letter a sign of silence is a sign of guilt and I need this removed from my credit report
Product: Mortgage

I applied for a Wells Fargo mortgage loan and was approved and then denied due to having to bring $ XXXX to closing and I got my mortgage closed with a different company with $ XXXX to closing. I also bank with Wells Fargo the last almost 10 years
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Number : XXXX and list of Inquiries. 

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 bring to your attention a great injustice done to me by my mortgage company XXXX XXXX ( actually XXXX  ) by reporting me to XXXX XXXX with a fake late mortgage payment. 
I have my mortgage on my condominium since XX/XX/XXXX and I paid every month in time. NEVER missing a payment or being late!!!! Working hard for over 10 years to build a great credit score of XXXX!!! 
In XX/XX/XXXX I received my last mortgage statement XXXX XXXX my principal being XXXX ( XXXX! ) $ after I made the payment in time. In XX/XX/XXXX I contacted XXXX for payoff, I send a cashier check of XXXX in XX/XX/XXXX if XXXX. 8 days later I found that the cashier check is lost and I cancelled it and send a new one XXXX in XX/XX/XXXX of XXXX. I also send it to you the received and the trucking number for the cashier check. 
With shocking surprise I receive in XX/XX/XXXX another bill for mortgage payment in sume of XXXX XXXX 
When I talk with them over the phone they told me that is a mistake, that the system is still generating mortgage payments because my mortgage maturity date is XX/XX/XXXX. They also told me that I should disregard the bill and that they will fix the system and I will no receive another bill for mortgage payments!! 
After weeks of talking with XXXX  on the phone, more than 14_15 phone calls and hours spended with them on the phone, I found out that they actually reported me beeing late and they XXXX my credit score from XXXX to XXXX now!! 
Is a big injustice!! Is fake, stressful and very dissatisfied after years of payments in time!! 
I consider XXXX beeing very unprofessional, fake, untrue, never looking for facts or verify the payments, just spreading fake informations. I will never look forward to deal with them for any other loan, never recommend them to anyone!! 
Please fix my credit score or I will look for justice in court. Just check all the fact and bring the true to the life. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX XXXX Loan number XXXX
Product: Debt collection

CFAM Financial Services LLC threatened to call the police to repossess a vehicle on private property. Their representatives knocked on my door at XXXX, and threatened me by stating that I was violating the law, and that they would bring the Sheriff. 

Not only is CFAM buying defaulted predatory loans, they were difficult in dealing with. When they came to my property, I offered to resolve the issue in the morning. Not only did they refuse, they started yelling and became verbally abusive.

CFAM never sent account or balance updates and misrepresented the Amount due on numerous official documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank Na., Best Buy listed on my credit bureaus as a hard inquiry. Was not initiated by me
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts Ive marked inaccurate XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was contacted through mail by Fidelity Information Corporation dba of Fidelity Capital Holdings , INC, XXXX XXXX XXXX XXXX, CA XXXX, about a debt they accused me of owing to XXXX XXXX, XXXX XXXX XXXX. XXXX, CA XXXX. The alleged debt was in the amount of {$740.00} to an account referenced as No. XXXX. I do not believe this debt to be mine. 

In response I sent a letter via Certified Mail asking for validation of this debt on XX/XX/XXXX. The letter was signed for and received by what appears to be a " XXXX XXXX '' XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/XXXX. 

Fidelity Capital Holdings , Inc having received my letter requesting validation continued to contact me via mail. A letter of " Delinquent Account Notice '' was written on XX/XX/XXXX. Followed by a " Litigation Notice '' threatening a lawsuit, damage to my credit profile, and my ability to rent or finance in the future on XX/XX/XXXX. I never received any form of debt validation and have continued to be harassed by this agency.
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 1681XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX 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 card

I was promised that my XXXX paid accounts would be removed after i paid them off.
Product: Debt collection

I started reaching out to the creditor the beginning of XXXX in regards to this matter and received only a response stating that this debt allegedly belongs to me. According to 15 USC code 1581 ( e ) b this information has to be 100 % accurate and also according to 15 USC 1681 ( i ) 7 if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency.
Product: Payday loan, title loan, personal loan, or advance loan

Consumer loan with affirm. I am expressing my basic consumer rights. To be informed. About the initial contract in this consumer credit transaction. I also have a right to redress this contract. This consumer credit transaction was secured by the consumer principal collateral. Which the consumer was given a finance charge. In accordance with 15 usc 1605 ( a ) finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. In this contract agreement. The consumer has contractual duties and obligations on behalf of the principal. The loan ID # XXXX has XXXX truth in lending disclosure. Number ( XXXX ) your right to repay. You may prepay your loan in full or in part at any time without penalty. Also number ( XXXX ) says application of payments. Payments are allocated first to interest and then to principal. In this contract agreement the principal is owed interest. Affirm has received my DURABLE POA. And has excepted my POA as I will show in my documents. My contractual obligations is to act on the principals behalf to receive all interest owed to the principal. With the interest I want to transfer the principals balance to the principals account to set-off the debt. My contractual obligations is to preform this on behalf of the principal. Affirm or XXXX bank has duties and obligations to this contract so I can preform and do my contractual duties. If not. This is a breach of contract on affirm and XXXX bank behalf.
Product: Debt collection

I was illegally billed for medical services provided according to California bill ( AB 72 ). I notified the original creditor of their error and was assured it would be corrected. Instead they sent it to collections. Contacted both parties. Original creditor keeps claiming Im correct and dont owe the money but cant figure out why they havent pulled it back from collection agency. Collection agency asked for a letter from insurance stating I dont owe the money. I provided the letter more than 30 days ago. Ive called multiple times sense then, every time I call both parties Im told Im right I dont owe the money but they continue to blame the other party for why its not being removed from my credit report. Knowing I dont owe they continue to close any dispute I open verifying the debt and increasing the balance owed every month. At this point I feel they are doing this intentionally. They admit I dont owe the money and was billed incorrectly, but refuse to put supervisors or anyone who can actually fix the problem on the phone and refuse to remove from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amid the corona virus scare, without warning and not due to my credit circumstance, this company decided to not allow me to borrow any money. I wasnt trying to borrow more, however, my credit line was XXXX. Now my credit line is being reported as what I owe at this time. Ive never missed a payment and in fact pay much more than is required. This company in my opinion is so selfish and XXXX for cutting customers ability to borrow and incorrectly reporting the situation. There was zero reason to cut my line of credit thereby damaging my credit score due to utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

as was my prior complaint # XXXX I did not authorize any inquiries and these were not removed These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

In  XXXX   XXXX  I look a title loan out on my  XXXX   XXXX   XXXX  from Title  Max  in  XXXX   XXXX , IL.   On  XXXX   XXXX ,  XXXX  I filed for Chapter  XXXX  Bankruptcy. My bankruptcy was discharged on  XXXX   XXXX ,  XXXX . The loan was  discharged through my bankruptcy, however, Title Max has refused to send my ti tle back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Home Equity Line of Credit managed by XXXX XXXX XXXX. In XXXX, I noticed my monthly payment scheduled for XX/XX/XXXX was not automatically withdrawn. I have a 15 days grace period and my payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX. I talked to a representative who took my payment online. Unfortunately, I later learned that this representative incorrectly applied my payment to the principal instead of taking it for my monthly payment which made my account delinquent. In XXXX, I called XXXX XXXX XXXX and was told the mistake was on their end and they would fix it and let the credit reports now that my account was not late. In XXXX, this was still not done and I was told the same thing again. I called today and apparently this is still not fixed. My account on XXXX still shows a late payment of 30 days. This is impacting my credit score and the company has taken more than 60 days since I first notified them of the issue. Every representative I talked to has always told me XXXX was at fault and that would be fixed but nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wasn't given enough time to fix the actual problem ......
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of some accounts and inquiries on my credit report that do not belong to me ; the reason I found out that there were accounts/inquiries on my report that I never opened is because I had my credit ran at the XXXX dealership today XX/XX/20 and because of the accounts I listed on this report, I was not approved for the auto loan. I don't know who these accounts belong to since I have never given anyone permission to open these or any other accounts in my name. I did not benefit anything from these accounts ( money, goods, services, any other benefit/privilege ) nor did I contribute to any payments that might have been made towards these accounts. I do not have any contract or affiliation to any of the companies listed on this report and I never allowed them to run my credit. I have already filed a police report regarding these suspicious accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX Bank Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Consumer FinanceXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Dept of Soc . Svc. Child Sup has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report an account listed on my credit report that I believe is inaccurate and does not belong to me. The account in question is Portfolio Recovery XXXX, account number XXXX **Details of the Situation** : - **Account Information** : The account was reported on my credit report dated [ insert date of the credit report and shows Closed, {$270.00} balance, payment Collections. 
- **Inaccuracy** : I have no affiliation with this account. I have never opened, used, or authorized any transactions related to this account. This could be a case of identity theft, a clerical error, or inaccurate reporting. 
- **Impact** : The presence of this inaccurate account has negatively affected my credit score and my ability to obtain credit. I have been denied credit applications and faced higher interest rates because of this erroneous information.

**Actions Taken** : I have already attempted to resolve this issue by [ describe any previous actions you have taken, such as contacting the creditor, disputing with credit bureaus, etc. ]. Unfortunately, these efforts have not resulted in the removal or correction of this account from my credit report. 

**Resolution Requested** : I request that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of the inaccurate account from my credit report. I believe that correcting this error is essential to ensure my credit report accurately reflects my credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, transaction history reported on my credit report for XXXX and XX/XX/XXXX. Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF XXXX. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.