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

I am a female senior citizen living on a small amount of social security. On XX/XX/2020, I used my Capital One Credit card to pay for a facial that I was told would help me with a skin problem. The employee also offered me a face cream she said would help. I informed her again that I could only use chemical free natural products or it could make me sick. She stated that the product was all natural. I agreed to purchase it and was not told there were no returns or refunds and there were no signs saying that or anything on the receipt. 

After I used the product, I became extremely sick for two days, almost going to the hospital. When I researched the product online, I found that it did contain a chemical. That is not what I agreed to buy so it is a fraudulent transaction which I am not responsible for. The merchant refused to return my {$38.00} after I went back on XX/XX/XXXX and returned the product to the employee leaving it on the counter. The merchant did not even offer an apology for the harm it did to me and made up lies to try to blame me. I still paid for the facial on my card. 

When I filed a dispute with Capital One in XXXX, the person who took my information got it all mixed up. And the person who initially made a decision on the matter obviously did not read all of the information I sent and gave an incorrect response that made no sense. I called again and got the first person who messed the case up and now he told me I needed proof that I returned it ( even though that was already in the information ) and then it would be credited back to my account. I again supplied that information. It was not credited back to my account. 

I filed a complaint in XXXX with the XXXX XXXX XXXX against the merchant, but of course the merchant continued to lie and refused to refund my money. So I filed a complaint with XXXX  against Capital One and provided all of the information again along with the merchants statements on XXXX  which proved my case and received another denial from Capital One with yet another ridiculous statement showing the person who now reviewed my case knew nothing about it and did not read anything concerning it. 

I have been a good customer of Capital One always paying my bill on time. It is not fair for me to be mistreated by this merchant and then again by Capital One. I just want credit to my account for the {$38.00} that I paid for the fraudulent product, and any fees that I have been charged. I paid the {$12.00} balance on my account minus the {$38.00} by the due date last month XXXX XXXX ). Then I want to close my account so I do not have to deal with anything like this again. Thank you. 

Capital One Case Number - XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I receive a letter stating it has been corrected but when I pulled my report, this information has not been corrected nor have I received a letter stating they have done so.
Product: Credit reporting or other personal consumer reports

NOTICE OF DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ALLIANT CREDIT UNION XXXX XXXX XXXX XXXX XXXX, XXXX Re : Dispute of Alleged Late Payment Request for Verification DISCLAIMER : It is important to clarify that simply providing a record of when the payment was posted by your department does not suffice as proof that the payment was actually late. Such records only illustrate when your department processed the payment. 

To Whom It May Concern, This letter serves as a formal notice of dispute concerning the reported late payments associated with my account XXXX with ALLIANT CREDIT UNION. This dispute is brought according to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically under 15 U.S.C. 1681i ( a ), which requires the prompt investigation and correction of disputed information. 

My dispute is further supported by the legal precedent established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), which emphasizes the necessity for creditors to maintain accurate, substantiated, and verifiable records when reporting to consumer reporting agencies. 

Accordingly, I hereby request that you provide the following specific documentation to substantiate your claim that the payment in question was late : Internal Records, Logs, or Notes and Interactions : Pursuant to 15 U.S.C. 1681m ( a ), please provide all internal records, logs, or notes and interactions that indicate the exact date and time the payment was received by your institution. 

Supporting Communication or Documentation : In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates the accurate reporting of information, I request any communication or documentation that supports the assertion that the payment was received after the established due date. 

Relevant Policies or Procedures : As provided by 15 U.S.C. 1681s-2 ( a ) ( 2 ), which requires furnishers of information to notify consumer reporting agencies of corrections to information that is found to be inaccurate, please supply any policies or procedures that were in place at the time, governing the handling of payments and the reporting of late payments. 

Please provide the requested documentation by XX/XX/XXXX, which falls within the legally required XXXXay period as stipulated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to provide the necessary documentation may compel me to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to ensure the accuracy of my credit report. 

Your prompt attention to this matter is not only expected but legally required under the provisions of the Fair Credit Reporting Act. I look forward to your swift and thorough response. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

USAA advertised to me, a veteran of the XXXX XXXX that a pre-paid card would turn into a regular credit card after one year of giving them {$1000.00} and letting them hold it without interest and {$240.00} in fees. 

It did not turn into a regular card even though credit was fixed and they decided to change the agreement. I 'm growing weary of this bank which has been so predatory of military veterans
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account Number XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number 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 an account without my written instructions
Product: Debt collection

XXXX XXXX XXXX XXXX sent a closed account to a collection agency. The account was paid in full at the time of closure. XXXX XXXX was notified in writing the account needed to be closed. The account had been paid in advance. The account balance was not refunded at time of closure. XXXX XXXX then sent the account to a collection agency. The collection agency was notified of these facts upon attempting collection. The collection agency reported to the credit bureaus false information about the closed account - that there was an amount due. No funds are due to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank accounts where compromised I reported it in a timely manner and even though my accounts are FDIC insured they are still trying to hold me liable for these charges navy Federal credit union is the bank I bank with they have been investigating this issue since last year and I still have not gotten a response they have took my whole paycheck in XXXX to pay on these compromised accounts XXXX and some odd dollars Im asking that you investigate this company and dispute this charge
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$0.00} XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Name : XXXX XXXX XXXX Also XXXX As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MA XXXX These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Debt collection

I cosigned for a XXXX loan for a friend of mine. She was unable to make payments since she recently moved and did not have a job. We called and set up payment arrangements to stop the debt from going to collection. She satisfactorily made the XXXX payment. XXXX payment was due on XXXX/XXXX/2015. On XXXX XXXX XXXX, rep ID XXXX contacted me directly, instead of calling my friend first and demanded that I pay before XXXX or I would be sent to a collection agency with derragotory marks and the full {$9000.00} would be immediatly due. I did not like the tone of her voice ... she was being very rude and demeaning. She would not let me explain the situation and she only concentrated on the debt, and paying the debt NOW!. At one point XXXX asked me if I was, " enebriated. '' I am completely awstruck at the level of service this company is providing. They treated me as just another debt and personally verbally abused me. We called back later and spoke to XXXX ext XXXX, she is a supervisor, and she adv that there is a 10 day grace period and paying on friday would be ok.
Product: Vehicle loan or lease

I have an auto loan with XXXX XXXX XXXX. It was opened in 2014. I have made timely payments for the past 9 months, and they are not accurately reporting the on time payments to the credit bureaus, however, if I make a payment late, they are prompt in reporting the late payment. I have contacted the creditor directly, however, all they are able to tell me is " I have emailed the credit reporting department. '' And this is still to no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I disputed several accounts on my report with XXXX, TransUnion, and XXXX. Each of these Bureaus are reporting closed accounts with current open balances and current late payments. I disputed each of these accounts with all 3 Bureaus as I have no knowledge of these accounts nor am I responsible for any of these accounts. All 3 Bureaus claim to have investigated and replied online that the accounts were verified as belonging to me. This is false and inaccurate and in addition to that all 3 Bureaus continue to report late payments as well as open balances listed under original creditors with late payments as of XX/XX/2023 on one page, then on another page stating that I dont have any open accounts. They are also reporting accounts listed as in collections and charge-offs with the original creditors as well as the collection agencies. Ive also been informed that I can not dispute further on these accounts because its been determined that these accounts are mine although I continue to deny knowledge of ANY of these accounts. By these Bureaus continuing to report in such way they have caused and continue to cause hardship for me due to their false reporting and taking someone else 's word for these accounts that I deny knowledge and responsibility of.
Product: Payday loan, title loan, or personal loan

I was recently XXXX discharged from the XXXX and immediately served divorce papers. She moved out of state and took my kids. I was trying to pay a lawyer, {$1500.00} a month in child support, and was out of work after being in a bad car accident. My first 6 paychecks after returning to work were $ XXXX {$75.00}. All of my pay was taken by XXXX. I am 3 months behind and have been trying to get caught up. They will not allow me to catch the loan up unless I pay all 3 of the missed payments and compounding fees and interest. I am fine with paying those but the only option they have left me is to pay it in one payment within 5 days. The have some investigator constantly calling my place of employment, my bosses cell phone, my phone, and making threats about the police coming to my work. I speak to the loan officer and she tells me one thing then the investigator calls 2 hours later and tells me completely different information and tries to make threats and bully.
Product: Checking or savings account

I opened a savings account at Capital One in XXXX of XXXX with the 360 savings account which offered some of the nations best interest rates. In XXXX, Capital One stopped offering the 360 Savings account to new customers and introduced the 360 Performance Savings account, which was nearly identical but offered significantly higher interest rates. 

From XXXX to XXXX, the 360 Savings accounts interest rate was frozen at just 0.30 %, even as interest rates across the nation increased. By comparison, the 360 Performance Savings account offered rates as high as 4.35 %.

I was never informed of the change of rate or given the option to switch over to the Performance Savings account at that time in XXXX. In XXXX, was the first I had heard of this, missing out on thousands of dollars in interest! 

Capital One deceived existing customers about the interest rates they were actually paying. My accounts should have automatically been eligible for market interest rates.
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 helpingme due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$830.00} XXXX {$140.00} XXXX XXXX {$3100.00} XXXX XXXX {$130.00} XXXX. XXXX XXXX {$880.00} XXXX. XXXX XXXX XXXX {$680.00}
Product: Checking or savings account

I made this mobile deposit for my account and it got declined XX/XX/2018 for XXXX and I want to know why it was declind
Product: Student loan

XXXX XXXX staff had incorrectly advised me to request my bank to stop a payment made to XXXX. Had I followed the advice, I would have become delinquent in my student payment and faced dire consequences. 

On XX/XX/XXXX, I called XXXX to resolve issues with Public Service Loan Forgiveness ( PSLF ) program. It is my understanding that all payments made through an income-based repayment ( IBR ) program while engaged in qualifying employment would count toward the PSLF program. Although I believe that I had made three qualifying payments under the PSLF program, XXXX had only counted two of my payments. During the XX/XX/XXXX call, the customer service representative told me that XXXX most likely made an error in not counting the third payment. The representative promised to have XXXX staff review the contested payment to check if the payment should have counted. 

On XX/XX/XXXX, I called to follow up on XXXX 's review process. A different customer service representative told me that my contested payment definitely would not have counted toward the PSLF program, as the contested payment was unnecessary and not part of my official IBR payment plan. I then asked if I could have the contested payment refunded, but the customer service representative simply advised me to have my bank stop the payment. 

Later on XX/XX/XXXX, I called to speak with a third XXXX representative to confirm that my contested payment was not part of the IBR program and thus would not count toward PSLF. I was then told that my contested payment was still pending review, and the second customer service representative was not authorized to determine whether the contested payment counted. I also found out that, regardless of whether the contested payment counted toward PSLF, the contested payment would have been due shortly after the time I paid it. The third representative informed me that, had I requested that my bank stopped the payment in accordance with the second representative 's instructions, I would have been delinquent in my payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX took this report off of my credit report and it needs to be added back on so it will show past credit history
Product: Credit card

The Police Report tells what happened! 
Resurgent took over the account!! 
So I'm responding to the 5 questions resurgent states to reinvestigate for fraud by different departments, and show different documents relating to the subject, unauthorized use and fraud and suspect charged!!!! 
I'm the victim here XXXX XXXX XXXX  by FCRA and CFPB LAWS!!! 
SHOULD HAVE CLOSED THE ACCOUNT AND THEN SENT ME A NEW CARD, WITH MY REFUND ( FDIC )!!! 
BUT INSTEAD, THEY SOLD MY INFORMATION TO LVNV, NOW, RESURGENT, WHEN THEY CHARGED OFF!! 
I DONT OWE XXXX  XXXX XXXX  ANY MONEY!!! 
IM ASKING XXXX  XXXX XXXX, LVNV, AND RESURGENT TO DELETE ANY AND ALL INFORMATION ABOUT ME FROM ALL 3 MAJOR CREDIT REPORTING AGENCIES ASAP!!
Product: Debt collection

I received a notification from my credit card ( XXXX ) that I had a derogatory mark on my credit report. I reviewed my credit report and there was an outstanding debt balance from IC System. I called IC System ( spoke with XXXX, ID # XXXX ) and explained that I was never notified of debt or given an tracking number. I asked for their documentation that they attempted to notify me of debt and they said that they attempted 1 call and could not leave a voicemail due to privacy and they could not mail a notice because my address was out of date, and no other attempts were made. I asked why other calls were not made before they submitted the debt to my credit report and XXXX states it due to having thousands of accounts and being understaffed.
Product: Credit reporting or other personal consumer reports

I am writing in response to your communication regarding a debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am requesting validation of this debt. This is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you included the information below in my credit profile, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Ive stated and continue to state this account does not belong to me.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically these things : 1. A full detailed list of the payment history of this account 2. I want to see the original signature that I agreed to on the contract for this creditor 3. Has their been any insurance claim found on this debt?

4. I want to see the chain of title that you have to collect on this debt.

I also request proof that you are authorized to collect on this debt and evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. Failing that, the items must be deleted from the report as soon as possible : XXXX XXXX Account # : XXXX Amount {$1200.00} XXXX. XXXX XXXX  Account # XXXX Amount {$1900.00} I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.
Product: Debt collection

I sent a dispute/validation letter to XXXX collection, which is included in the attachments, certified mail. They received the letter XXXX XXXX XXXX. I received a notice roughly 2 weeks prior to the court date on the paper saying that fox collection would be carrying me to court. I contacted the company and spoke with the attorney, he said he was, in the legal department. I told him I was disputing the debt but was trying to explain to me that pretty much i do not have a dispute and still responsible for the debt. After sending my dispute/validation letter to fox collection center they sent me a letter in response to my dispute, also in attachments, that was not a real response letter to my dispute. They did not properly respond or send anything I requested from the company which is in the letter attached. They trying to put a judgement on me for some thing I do not feel I owe and I do not feel is right and also the amount. They pushed my court date out to XXXX XXXX XXXX. I am trying to get this matter resolved before then. I do not want to be stuck paying something I do not feel I owe. The name of collection agency is fox collection center, their address is XXXX. box XXXX goodlettsville tn XXXX. Their contact number is XXXX. Please help and assist in getting this matter resolved in a timely manner due to the company not properly handling my dispute or validation of debt. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt with XXXX was paid off back in XX/XX/XXXX. 
They advised as soon as the debt was paid in full the account will no longer reflect on my credit. I have sent them numerous request to delete the tradeline and they have been unresponsive since XX/XX/XXXX. Per law they have 30 days to respond to my dispute and they have failed to do so, document attached shows no update status since XX/XX/XXXX.
Product: Debt collection

Contacted the company on XX/XX/XXXX and gave my physical mailing address for debt verification letter. Upon first call was told that they had no debts under my social security number, name, & date of birth. Upon second call, was told an account number and that they would put this information in the mail to me. As of XX/XX/XXXX, have not received anything regarding the debt & was told by XXXX to file a complaint.
Product: Debt collection

I received a letter from ERC Collection Agency in re XXXX XXXX XXXX XXXX XXXX demanding {$150.00} or settlement of {$95.00}. This is an attempted shake down for a debt discharged in  chapter XXXX bankruptcy as of XX/XX/17. I have not attempted to contact this entity so as not to validate this matter unwittingly because it is invalid due to the discharge afforded by the BK Proceedings. This company is trying to perpetrate a fraud during this tax season as is common by collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX i only have one acct with world finance Acct XXXX the company is reporting 2 accts on my credit profile on XXXX and XXXX and also XXXX  the other occt # XXXX they have the same open date close date amount spoke with the company they stated the original office close so why report twice