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

I was able to follow up withCapital One. Their Representative XXXX contact me on XX/XX/XXXX regarding my complaint I submitted XXXX. I call back and left voicemail message on XX/XX/XXXX. She didn't return my call, on XX/XX/XXXX. I call Capital One again. The Representatives tranferred me to Ms. XXXX extension, due to her phone continued going to voicemail. After speaking to Ms. XXXX she stated my account was tranferred to XXXX at ext. XXXX. Ms. XXXX tranferred me to Ms. XXXX. I begin explain to her my concerns in regards the complaint in question. Ms XXXX stated misleading & false information. That when I applied for Credit Card. I did not add rider XXXX XXXX XXXX. She stated that Capital One didnt not offer XXXX XXXX XXXX in XX/XX/XXXX, when I applied. Her statement was untrue, I ask to add riders XXXX XXXX, because I had previous Financial Problems and I wanted to make sure that my Credit Card would be protected if I had any future unexpected Financial circumstances. I didn't reach Capital One started cancel credit protection insurance XX/XX/XXXX. Ms. XXXX conduct was unethical. She became hostile and agressive when talking to me her conduct was unprofessional. Because I explained the information she was stated was false and misleading. I decided to end the call and hangup on her. I became upset and stress. This cause me to have a flare up un regards my health. She was not helpful and rude. Capital One Record all their conversations. The Managerment Executives should retrieve and research their voice recording records for playback. 

Thank you for your prompt attention regarding this matter.
Product: Credit card

I have a Bilt card through Wells Fargo that I use the pay my rent and earn points monthly. On XX/XX/XXXX several charges hit my account that were not made by me totaling XXXX. I called and opened up an investigation and the company removed some of the fraudulent transactions but still left XXXX on the account and will not remove it after a few open claims for fraud. I contacted the merchant, XXXX and they also had no record of the charges attached to my account. They claim by answering their text messaging system asking if a purchase was valid, I am now liable for the full amount. The charges for XXXX hit my account XXXX times within the same second and it is very clear that it is fraudulent. Wells Fargo is holding me liable for a purchase that I did not make at all.
Product: Debt collection

I have been writing letters to this company for more t han two years. I 've made several request for this company to several times that I be provided with a copy of the complete payment hisotry, proof of agreement which bears the signature of the alleged deb tor showing that there had been an agreement to pay the original balance, letter of sale or assigment from the oeriginal creditor. None of these has been sent to me. Nothing has been done. They are reporting items that are unsubstantiated.
Product: Student loan

I have been a XXXX XXXX XXXX XXXXXXXX. I have supplied various XXXX XXXX XXXX  forms over the years since the program 's inception in XXXX. XXXX was among one of those loan companies. 

My loan information was transferred to the company mentioned in this complaint in XX/XX/XXXX. My payment counts were updated in XX/XX/XXXX. The years XXXX are missing from the count. I am most positive I have made the required XXXX payments needed for forgiveness. I have worked for the same employer since XXXX. 

The company handling my loans has told me on several occasions I will need to wait another 90 days every time they resubmit my account information for updated payment counts. My issue is why it has to be recounted more than twice. Why can't someone stay working on it long enough to figure out the problems with the missing years?
Product: Credit card

T.D. Bank N.A. failed to provide me with a statement or bill for a credit card that I hold with their company. T.D. Bank N.A. then applied late charges while still failing to notify me in any manner that there was a balance on my account, and failing to notifying me of the application of late charges ( email, mail, phone, etc ... ). T.D. Bank N.A. then reported my account as delinquent to all major credit bureaus while still failing to notify me in any manner ( postal mail, email, phone, etc ... ) of the balance or delinquency. T.D. Bank N.A. still has not contacted me in any manner : the delinquency was reported to me by a third party ( XXXX ) which notified me of a drop in my credit score ( from XXXX to XXXX ). I learned of the score drop on XXXX/XXXX/16 and called T.D. Bank N.A. on XXXX/XXXX/16. T.D. Bank failed to acknowledge that it owed me any duty to supply with a statement and claimed that it did, although the company failed to do so. I called T.D. Bank N.A. again on XXXX/XXXX/16 to obtain a copy of the past 4 statements, which I have not received, so that I may request a correction to T.D. Bank 's reporting of delinquency to the credit bureaus, as well as to include in a report to the credit bureaus. T.D Bank first attempted to charge me {$7.00} per statement, although the statements were never initially provide. T.D Bank then finally agreed to waive the fee for two statements, but refused to waive the {$7.00} for the remaining two statements. T.D. Bank N.A. has created a system where they fail to notify customers of charges in order to charge as many fees as possible. This has caused graved economic effect to my credit score, exclusively as a result of T.D. Bank 's dubious, unethical, and likely illegal business model. The charge in question was a singular, automatic charge of under {$10.00}. The credit card is otherwise entirely unused.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC XX/XX/scrub>XXXX XXXX  {$1400.00} I have never opened an account with this company. I have disputed numerous of time and they wont remove it. I wont being paying this due to not being the owner of this account and it being a fraudulently open by this credit company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify 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 need to be updated from erroneous reporting in my 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX violated under 15 U.S.C. 1681s-2 ( a ) by reporting without my consent, and you are required under 15 U.S.C. 1681s-2 ( b ) to remove inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration regarding the ongoing presence of fraudulent items on my account, despite multiple attempts to have them removed. Regrettably, I must bring to your attention the fact that this is now the third attempt to address and rectify this issue, yet the problem persists. 

The continued presence of fraudulent items not only undermines my confidence in your company 's security measures but also poses a significant threat to my financial well-being. 

I demand immediate and decisive action to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

I urge you to prioritize this matter and take all necessary measures to address it promptly. My trust in your company 's integrity and ability to safeguard my interests depends on your swift and effective resolution of this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$20000.00} XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX  XXXX
Product: Credit reporting

TransUnion is erroneously reporting XXXX account as a rolling 120 days late even though this was paid as agreed and settled on XXXX. Other credit bureau agencies are reporting this correctly. 
I am requesting that the above referenced item be reported as current, not a rolling 120 days late. This dispute was also completed on-line. This account was paid as agreed and settled as of XX/XX/XXXX2014. 
Be advised that this information is damaging and prohibiting me from securing a loan for the purchase of a home for me and my family. 
I am also requesting the receipt of a copy of the corrected credit report within 30 days of receipt of this letter along with an attached letter that reflects the above changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was deleted and replaced back onto my account. I requested per FCRA on XXXX an XXXX for Trans union to provide me with the actual documents they have on file to substantiate this charge-off. 
This account was initially deleted due to Identity theft by XXXX XXXX XXXX. I have requested that Trans Union once again permanently delete this account with a credit limit of {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I just started montering my credit and I see that the credit bureaus are inaccurately reporting data about me. Experian has my name listed incorrectly 30times. I have tried disputing with Experian has been refused the right to dispute how my name is reported with them. 

I am very disappointed that these credit bureaus are able to get away with inaccurately reporting data about a consumer. I have been denied credit time after time and I never understood why and now I see why There are several student loan showing up on my report that I NEVER opened. My credit file contains inaccurate addresses to which I have never resided at and this is unethical. 

I am asking that the CFPB steps in and makes sure the credit bureaus does whats right under law
Product: Credit reporting or other personal consumer reports

TransUnion companies I'm filing the dispute against.
Product: Credit card

I opened a credit card account with BBVA Compass on XXXX XXXX, XXXX. I was offered a promotion to open the account, which was XXXX bonus points for net purchases of {$1000.00} over the first 90 days. The promotion was for opening a BBVA Compass XXXX XXXX XXXX card. I went over the {$1000.00} mark in spending on XXXX XXXX, XXXX, according to my records and confirmed by a BBVA Compass customer support representative. I was told that it might take 30-45 days to post these bonus points to my account. I have worked with BBVA Compass to resolve this matter on several occasions, including four attempts in XXXX XXXX, two of them by phone and twice by secure message at their website. I called one more time on XXXX XXXX, XXXX to request the points be posted as it had been more than 45 days. However, as of today my account still has not had the points credited. These points are equal to {$200.00} in a statement credit and this promotion was a significant factor in my decision to open the account. I would like BBVA Compass to honor our agreement. BBVA Compass has acknowledged that these points are due to me but has not been able to post them to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services LLC 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Services consumer report. I have NEVER opened or used the following account numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information to be deleted from my Early Warning Services report immediately. Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit card or prepaid card

In XX/XX/XXXX I had disputed a charge for a rental house on my Apple/Goldman Sachs cc . I had spoke to multiple reps while the situation was happening and followed their guidance. The rental agency was threatening to call the police so I had to release the dispute then refile after we had checked out per the advice of Apple/GS. The dispute was ultimately ruled in favor of the rental house ( property management ) even though I sent photos of someone else 's dirty clothes, rats, broken A/C and broken elevator etc. At that time, I made the decision that I no longer wanted to do business with Apple/GS and paid the account balance IN FULL and closed the account. This past XXXX XX/XX/XXXX, I got a letter in the mail from A/GS stating that they decided on multiple disputes incorrectly and would be re-opening them to adjust the rulings. I DID NOT initiate this contact, they did. I called into A/GS and the rep I talked to had no idea about the letter or knowledge of the fact that they as a company were reevaluating closed disputes. My account remains closed. Fast forward a few months and I get a letter that states they did not rule in my favor ( again ). I do not care, I didn't ask for any action to be taken. They initiated. It has also come to my attention that Goldman is UNDER INVESTIGATION for this exact issue and not giving customers correct information. No shocker here. 

Fast forward a year, I have gone back and forth more times than I care to recall but I finally found out that they were billing me because they were unable to disposition the 2ND dispute in a timely manner and were required to make a deposit of the credit that I did not ask for in my account. By the time someone at GS was actually able to give me this info, they had threatened to hit my credit report. I called in to arrange to pay them to get them out of my life once and for all and I told them I would pay it as long as they did not hurt my credit. I was told they would have to file with their internal credit and they would get back to me. I followed up and tried to pay again and was told that I had to wait until the credit dispute was done. Not shocking, they upheld the negative credit rating and said it was correct. This is ludicrous as even THEIR OWN reps could not tell me why there was a balance. I finally spoke with a supervisor and he said there was nothing that could be done because I owed the money. I am not even disputing that anymore but it is completely unreasonable to expect me to pay for something that I did not charge. THEY gave me a random credit and now want it back. He said he wanted to find a way to fix this for me but he couldn't because I owed the money. He continually said he completely understood how I felt but that it was too bad and the credit stands despite the fact that we both agree on that I DID NOT USE the card. I just want my credit back. This has been an absolute nightmare. I have not heard anything from them since they told me there was nothing they could do. I want to get this resolved and never do business with GS or Apple Card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I got a response stating that this item was verified. I submitted another dispute letter stating the reasons why this account should not be reported on my credit report and to remove it immediately. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, XXXX XXXX XXXX from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

On or aboutXX/XX/2017 a field agent for Conns Home Plus store at XXXX XXXX NCXXXX XXXX came to my residence in a white box truck. Asked people outside my home did I reside here and was I at home. They proceeded to tell the gentleman I was at the hospital and the gentleman left 1 sheet of paper with one of the people that was standing outside my residence. Upon my return I was given the paper which appears to be a print out from Conns Home Plus system which included ALL my vital account information on it. This is/was a direct violation of the FDCPA and third party disclosure
Product: Debt collection

trying to make a payment to XXXX XXXX XXXXXXXX lawfirm. they told me something along the lines that they cant discuss anything over the phone and that they will send a letter out to me. then i called back and got no answer. it keeps going straight to voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft of several items on my credit report
Product: Debt collection

After Looking at my credit report on XX/XX/2017. I see that XXXX XXXX is still Reporting inaccurate Information to the Credit Bureaus. 

I have asked for proof of Debt more than once from XXXX XXXX XXXX RE : Account : XXXX Creditor : XXXX Under Fair Credit Report Act 15U.S.C & 1681g. With no response. And they continue to report  inaccurate reporting.
Product: Credit reporting

Somehow Equifax keeps adding addresses to my credit file that do not belong to me and have never belonged to me. When I dispute them online, I 'm charged to having to jumpt through hoops to remove their errorneous information by doing the following : Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX This address does not belong to me. 
Next Steps Please note your Dispute Confirmation Number printed at the top of this page. It will be required to check the status of your dispute. 

In order to process your request to change your personal identification information, please send us a copy of the following documents. HOW DOES SENDING A COPY OF MY DL, SS Card and a utility bill PROVE THAT I DID N'T LIVE AT THESE XXXX PLACES? I DISPUTED XXXX BUT ONLY XXXX WENT THROUGH. THEY RANDOMLY ADDED THESE INCORRECT ADDRESSED TO MY CREDIT FILE THEREFORE THEY SHOULD BE THE ONES TO CORRECT THEM, NOT ME!!! I ORDERED MY SISTER SOME MAGAZINES XXXX TIME ONLINE THRU XXXX AND HAD THEM MAILED TO HER AT HER SONS HOUSE WHICH I HAD NEVER EVEN BEEN TO. WHEN I CHECKED MY CREDIT REPORT LATER, THAT ADDRESS WAS ON MY FILE AS XXXX OF MY ADDRESSES! THIS IS WRONG AND IS A DEVIANT PRACTICE AND IS SHOULD NOT BE ALLOWED TO CONTINUE!! 

1. Valid Driver 's License 2. Social Security card or XXXX form 3. Utility Bill Please print this page and fax or mail it with the required proof documents indicated above within 24 hours. 
Please ensure that your XXXX-digit Confirmation Number is included with any documents you submit to us.
Product: Money transfer, virtual currency, or money service

From Zelle, money was sent to me " by accident " and sender requested money back, also it doesn't let me send more than {$500.00} a day.