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

Good morning, Capital One was given a pay-off in full on both of my credit cards on XX/XX/2019. Both balances were at XXXX. On XX/XX/2019 Capital One changed interest on a XXXX  balance. After calling I was told that they charge interest on the previous month if there is a balance. I asked to speak to a supervisor and was hung up on. After calling back I was told a different story as to why the interest was charged. After asking again to speak to a supervisor after being transferred a second time, again I was hung up on. After a third phone call and much frustration, I paid the bills in full to make it stop. 
How can a credit card company get away with treatment like this? 
I also refinanced my auto loan and the payment was sent by XXXX  XXXX XXXX on XX/XX/2019. By XX/XX/2019 Capital One had not posted the pay-off. I called the Credit Union and they called Capital One. Capital One stated they did not have the funds. When I checked on XX/XX/2019 the balance was at XXXX for the car loan. Had XXXX XXXX not made the call, Capital One would have continued to charge me. 
How can such a supposed reputable company have such ugly practices? Especially for what was a loyal customer.
Product: Debt collection

I would like to join any lawsuits against XXXX University, XXXX XXXX, Navient and XXXX XXXX. I am a XXXX XXXX student that is being harrassed to pay Navient {$36000.00} for a useless degree.
Product: Credit reporting or other personal consumer reports

I realized that this account was opened as a result of an Identity Theft in XXXX of XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX of XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY XXXX IMMEDIATELY!!! THEY STILL CONTINUE TO LIE ABOUT EVERYTHING AND DISHONOR MY REQUESTS REGARDLESS OF WHAT DOCUMENTATION I SEND!!! I AM SICK THEIR FAKE APOLOGIES PRETENDING TO CARE WHEN THEY DO NOT!!!! I HAVE NOT BEEN ABLE TO WORK A FULL-TIME JOB DUE TO THIS STRESSFUL SITUATION AND I HAVE NO FAMILY OR ANYONE TO HELP ME!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE LIVING ON THE STREETS, MOTELS WITH VOUCHERS AND SHELTERS UPON AVAILABILITY!!!! DESPITE MY LIMITATIONS, I WANT TO LIVE A NORMAL LIFE AND NOT BE ON XXXX XXXX, HAVE DECENT CREDIT, A HOME, A JOB AND A FAMILY!!!
Product: Debt collection

My ex-girlfriend opened this account while we were together, without my permissions, using my social security number and date of birth. I was home at the time, and she had gone to the XXXX store she worked at. XXXX ( the company alleging I owe this debt ) had a sales rep at XXXX stores at the time, and this is how she signed up for XXXX service in my name, using my information, without my knowledge or permission. 

I noticed the debt when our relationship ended and I moved out. I disputed it, and submitted as evidence the surveillance video of the XXXX store on the day and time this account was opened, showing that I was not present at the time. 

I submitted a written notice of dispute to XXXX in XXXX 2014, and alerted the XXXX credit bureaus. After submitting evidence, it was settled and removed from my credit reports. 

I 've just received a collection letter from Enhanced Recovery Company , LLC, alleging that I still owe this debt. This is unfair debt collection practice as this debt was determined to be the result of my identity being stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greenlight XXXX is reporting erroneously on my credit report and it must be fixed. I have been disputing this with them for some time and nobody can ever help me. They are reporting an account on my credit as a repossession and it is not a repo!! They have admitted that they are reporting inaccurately but will do nothing about it. This account was paid in full and I returned the vehicle back to them. I did not stop paying on this account, I simply paid and returned the car and they continue to report erroneously on my credit file. I am aware that you are the furnisher and can report to the bureaus as you deem fit and I ask that you report accurately. If you can not do so, I ask that you send me a letter stating this account should not be reporting on my credit at all period.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my rederally protected consumer nignis to envacy and conndentality under 1o usu 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  has violated my rights XXXX 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable 1 possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 Use 1681i5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be e verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to delieve that the Information is inaccurate!
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX at securenet loan services and asked him to update my credit report with accurate information. Because at the time and asked him to update my credit report with accurate information. Because at the time my mortgage was showing on my report as open, but it hadnt been reported as paid since XX/XX/2023. I had several phone calls and emails with him to fix the problem of it not being reported. Then his company reported my account has been closed. My score on my credit report decreased substantially by over 30 points. I have given them almost 2 months to fix and resolve. The problem on my credit reporting my mortgage is closed. They have reported my mortgage as being opened again, but the closed report is still reflecting on my account. My score is still down because the closed report is on there. They are also only reporting to one credit bureau, which is a XXXX. They are not reporting account XXXX XXXX, or to XXXX. They have given me all my documents showing that my mortgage has been paid and has been open since it started. I had requested the company. Send me my total payment history, any proof of any reports to credit bureaus, and they have to sent me only partial paperwork. They denied showing any proof of their reports to the credit bureaus. They have failed to keep in contact with me about the correction of this in a timely manner. 

Additional information : Securednet loan services & XXXX XXXX XXXX are ran together. XXXX XXXX XXXX holds my mortgage loan. And they use Securednet services as a third-party paying service. Both companies have the same owner. 

I was divorced three years into this loan. The mortgage was originally opened under XXXX and XXXX XXXX and in the divorce decree it is agreed to, and signed that the property is solely owned by XXXX XXXX. The mortgage was never closed, transferred, or refinanced. It was only adjusted to drop off XXXX XXXX. 

Divorce decree is attached I requested payment history and only received a partial payment history for my mortgage- Attached I also requested proof of what they are reporting to the credit bureaus and was denied
Product: Student loan

On XX/XX/08 I spoke with a representative in the rate reduction department advising that I was recently separated from my job on XXXX and needed some other assistance with my loan repayments. I explained that I'm already paying $ XXXX/month and this would be near impossible for me to continue while unemployed. I explained that I'd filed for unemployment and had not been approved as of yet. Right now I have NO INCOME! explained that my co-signer does not work and receives a fixed income and is unable to help me with any payments. The representative showed no concern and stated that my only option was to pay $ XXXX/month.
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 identity theft. 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 : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I requested assistance to reduce my payments due to loss of income. Boa stated they have no programs for clients not in default. Since that time I have not recovered income to afford the late fees and the negative late payment recordings on my credit file. 

My privacy has been violated due to bank of America XXXX my payments late and reducing my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After my wife died the company came after the house because I don't have the money we got out of the house to take care of my wife and I'm XXXX not XXXX XXXX XXXX. They are impossible to get a hold of over the phone and are bombarding me with paperwork and leaving notes on my door.
Product: Money transfer, virtual currency, or money service

I am found a complaint against cash app due to customer service to unfair practices which violate the customer financial protection act pacifically Cash App fail to take timeline effective measures to prevent an address on their platform leaving my account burnable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive as they did not comply with earth resolution requirements under the electric fund transfer act in regulation these actions have caused significant inconvenience and financial laws and I see appropriate redress for violations
Product: Mortgage

i have a 30yr fixed rate loan with chase home fiance for the longest time i was paying XXXX dollars. then for some reason it became XXXX now i have recevieved my escrow and they have informed me my new payment is XXXX i sighed a 30 year fixed rate why is this happening i can not afford this i am a recent XXXX and on XXXX can someone please help me with this i dont want to lose my home
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written letter as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED am a victim of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. information from my consumer file. 

Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX   Account Number : XXXX Company or Organization : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Credit Inquiries XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Despite many written requests, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? and you refuse to investigate or block fraudlent accounts reporting on my credit report which is a direct violation of 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I wrote to the bureaus questing an investigation into items that I believed were INACCURATE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again for them and request that they reply within a reasonable amount of time, and they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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.
Product: Bank account or service

Capital one is continuing to report an account with XXXX as a charged off account after they issues a XXXX which cancelled/forgave/paid the debt therefore should n't be reported on my XXXX credit file in violation of under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. 15 USC 1692e ( 2 ) ( A ). falsely representing the legal status of the alleged debt. A XXXX was issued XXXX XXXX, XXXX cancelling the debt, therefore reporting it should 've been removed within 30 days of issuing the XXXX. Capital One issued a letter dated XXXX/XXXX/XXXX signed by XXXX XXXX to contact them at XXXX if we needed assistance but the Rep for Capital Once ( XXXX Rep # XXXX ) placed me on hold as she researched the account and then comes back and tells me she cant discuss the account over the phone and that she needed my phone for someone to contact me back sometime next week ( I have it recorded and notified her and the previous rep that the call was being recorded ). I notified her that it was a Federal violation to continue to report an account with XXXX after the account was paid/cancelled by the XXXX and she stated that they have the right to report it to the IRS, I replied to her that I know it has to be reported to them and that by Capital One filing a XXXX they discharged/Cancelled the debt to they were violating FDCPA by reporting this account to XXXX a reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue in XXXX XXXX  was : Equifax in reports XXXX, XXXX and XXXX stated on XXXX/XXXX/21, XX/XX/21 and XXXX/XXXX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. '' Equifax 's XXXX/XXXX/21 response to XXXX was : Please provide us with the following information : Specific item name, account numbers and nature of dispute... In XXXX XXXX XXXX XXXX and XXXX Equifax clearly acknowledged the nature of the dispute. The specific item name and account numbers are in the attached Equifax XXXXXX/XX/21 and XX/XX/21 confirmation # XXXX XXXX and XXXX. Equifax responded to XXXX on XXXXXX/XX/21 ... A letter outlining our findings was mailed to the address on file...
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC ReportXXXX regarding the account that do not belong to me.
Product: Credit reporting or other personal consumer reports

I've sent several dispute letters trying to correct the inaccurate information on credit report, equifax refuses to remove it. My information is impacted by a data breach
Product: Bank account or service

I am a long time JPMorgan Chase Bank Customer, and enjoyed many accounts ( credit, checking, etc ) with the bank for over 10 years. 

On XXXX XXXX, I opened a joined account with my mother ( my mother lives in XXXX, OH XXXX ). Savings account Account # XXXX ; and checking account number # XXXX. Since I live in XXXX and my mother lives in XXXX, we were looking for a bank with locations in both cities. The purpose of these accounts was to assist my elderly mother with financial services. As part of opening a new account, Chase had a {$500.00} offer - 1 ). I was required to deposit {$15000.00} within the first XXXX business into savings and 2 ). to initiate a direct payroll deposit from my employer. If I was to satisfy these requirements, Chase promised to give me a {$500.00} bonus after 90 days.. At the time of the account opening my mother deposited {$200.00} into the accounts. ( {$100.00} into each account ). 

On XXXX XXXX, I deposited {$15000.00} into the chase savings account # XXXX. I also had my mother initiate her first deposit into # XXXX ( scheduled for XXXX XXXX ). 

On XXXX XXXX, I my mother received a letter stating that both accounts will be closed on XXXX XXXX - reason not given. 

On XXXX XXXX, I called to Chase call Center XXXX at XXXX XXXX to understand the decision to close the account. The representative informed me the a decision was made by Chase, the checking account and savings accounts are closed. There is no reason for this action. 

This action by Chase to close my account makes me feel very uncomfortable for the following reasons : 1 ). There appears to be discrimination against my mother, who is elderly and requires assistance with financial decisions. 
2 ). Chase refused to honor the offer of giving {$500.00} for opening the account. This is false advertisement. 
3 ). My mother and I are both foreign born ( something the personal banker opening the account asked me ). I feel like Chase closed the accounts because the personal banker did not want to have business with someone born outside of the USA. 

Thank you for your help.
Product: Debt collection

Please see attached cease and desist letter that was sent to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/year> for them to cease and desist as I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and demanded that they cease all communication with me regarding this matter, except as allowed by law. I also demanded that they cease and desist any and all collection activity under the law as well. As of date, PORTFOLIO RECOVERY ASSOCIATES continues to report this on my credit report in violation of applicable laws.
Product: Credit card

A merchant ( XXXX XXXX  ) issued a refund ( {$29000.00} ) to me and it was posted to my credit card account on XX/XX/year>. I called US Bank on XX/XX/year> and requested a refund check be mailed to me. 
I called again on XX/XX/year> and was told refund was in process. 
I called again on XX/XX/year> and was told refund was still n process. 
I called again on XX/XX/year> and was told refund was still n process. 
Refunds should not take over a month to process. I could be earning a fair amount of interest on this amount of money. Personally, I think this borders on fraudulent practices by the bank.
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  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account 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 card

Someone that claimed to be from Chase Bank called and told me that someone applied for a credit card in my name from XXXX Texas. I did not authorize it. They told me that it was denied, and transferred me to what they claim is the CFPB. This person wanted verification details, which I refused to provide them and I asked if they would provide me a phone number to call back, since I was not sure that it was the CFPB I was talking to. They hung up.