23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to Capital One several times to remove me as an authorized user, however, Capital One continues to report account open on my credit report as open.
Product: Credit card or prepaid card

I filed unemployment insurance claim and had been waiting receive the card. 
On XX/XX/XXXX, I didnt receive the card, so i contacted bank of america prepaid card, and talked with agent. The agent advised me to wait until XX/XX/XXXXWednesday and if not, call back. 

On XX/XX/XXXX, still I didt receive the card and contacted Bank of America Prepaid card. However, I was heard that someone already stole my card and activated, even used up the balances. Even the mail stealer reported card lost and requested new card with expedite delivery. So, i said i never received the card. Since the person who stole my card updated his email address on my card, so i changed the email address and mailing address from edd website. After that, i requested new card. 

On XX/XX/XXXX, last day, the dispute department was already closed, so i called Disputed or risk team and said same things what happened to me. The person told me that i will receive a letter and will receive the credit. Also, i visited post office and reported mail stolen and as advised by call center, reported money transfer in usps by stolen person. 

On XX/XX/XXXX, i received a card ending XXXX via XXXX to old address. Since i changed address and requested new card, i thought this card not available to be used. 

On XX/XX/XXXX, i received another card ending XXXX via normal post office delivery to newly updated address. 

On XX/XX/XXXX, i tried to activate card endingXXXX, but i didnt allow me to do. so i tried with card ending XXXX, it was activated. However still no credit was given for the amount that i didnt used. No letter received yet. 

I was very confused, and i wanted to ask someone in bank of america, but no one answering. 

I want my edd money back as soon as possible since currently im not working due to Covid-19. 

Thank you.
Product: Payday loan, title loan, or personal loan

I have a business loan with Chase that was scheduled to mature on XX/XX/XXXX. Due to the pandemic, I received a three month deferral on payments for this loan, with payments being deferred XXXX, XXXX and XXXX of XXXX. In XX/XX/XXXX, my automated payments were reinstated by Chase. I assumed that the maturity date of my loan would be extended by three months to ensure the loan was fully paid off at time of maturation. Chase did not communicate in any way that I would need to pay the equivalent of three months of payments upon maturation of the loan. Chase also did not proactively provide me the option of increasing my automated monthly payment in order to fully pay off the loan at maturation. 
As a result, the following took place : 1. I expected that on XX/XX/XXXX, my automatic monthly payment would have been withdrawn from my checking account. It was not. I did not understand why and assumed there was an error.

2. I reached out to Chase to discuss why my payment was not withdrawn and to my surprise, I learned that my loan matured, Chase had stopped my automatic payments, and left me with a large outstanding balance. I was very confused as I expected my loan was maturing in XX/XX/XXXX based on my outstanding balance and payment deferrals. 
3. I never received any communication from Chase that my loan was about to mature, and in fact, did not receive a statement the month the loan matured. ( Statement dates : XXXX and XX/XX/XXXX ) Instead, I received a late fee of {$250.00} - also not communicated to me.

4. Once I understood the situation, I requested to pay off this loan in three monthly payments, as I had been doing for the last 5 years. I immediately made one payment ( representing the XXXX payment ), and asked that I make the remaining payments in XXXX, XXXX and XXXX respectively. 
5. After escalating this request, Chase 's response was that in order to accommodate my request, I would need to apply for a new loan, with a new credit check and new loan terms. I find that solution unacceptable.

6. I have paid Chase monthly for 5 years and only requested an extension of this loan, with these terms, to compensate for my payment deferrals due to the COVID pandemic. 

As of now, it appears that I have no choice other than to find the money to pay off this loan immediately or I will be reported delinquent and pay large fees. 

How can Chase execute a loan payment deferral program during a global pandemic and not communicate to its customers the expectations associated with this program? I never received any communication from Chase and believe this program must have been instituted without a standard set of processes, adjustments and payment expectations proactively communicated to their customers.
Product: Credit card

Trying to get reimbursed for lost payments from a XXXX  trip to XXXX  that we could not make due to contracting XXXX  right before the trip.. we have a Chase saphire card that comes with trip insurance. we submitted a fully documented claim with eclaims online card benefits in XXXX, and have received numerous emails and phone calls requesting the same documents over and over, which we continue to upload to them.. each phone call and email keeps requesting these items. now, after all this time, they say we have't proved XXXX, although we sent a doctors letter and proof of XXXX  for XXXX. They are demanding I furnish the actual positive XXXX  test. That is impossible because I took home tests that no longer exist. I consulted with the physician and I submitted the physician 's report. This requirement is impossible to comply with and it is not specified in the policy. 

We are trying to be reimbursed for missed flights, and a hotel deposit that was not refundable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent complaint I filled in regard to 3 XXXXXXXX XXXX XXXXXXXX collection accounts on my credit report transunion and XXXX verified the debt was accurate XXXX in turn could not verify the debt and it was removed the process took over 44 days for me to be informed that they verified the debt 14 days longer then required in other instances I have also asked the creditor and the bureaus to show me the signed original contract with my signature agreeing to the debt in which I have not received any paperwork on I feel like 2 or the 3 bureaus haven't really tried to resolve this problem as the only response I get is verified as accurate even when I can't get the information I have asked for on many occasions
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong information on my credit report in the company will not remove it. They told me that Ill have to call the people that did it & I dont know why because on their website it says to call credit Bereau . In nobody wants to help me in I sent in letters to them. In got no response
Product: Debt collection

Keep getting numerous calls from P & B Capital Group even on XXXX XXXX, I made a payment of {$100.00} on XX/XX/XXXX and the agent XXXX XXXX keeps harassing me she forced me into paying the {$100.00} payment, by harassing me via phone on XX/XX/XXXX. I told her i could not afford it but she kept pressing me to pay, in which i gave in, against my freewill. I understand they are in complete violation of the FDCPA Laws by engage in deceptive and unfair practices. Deceptive practices include the following : 1. False representations about the amount of your debt, 2. False representations regarding the legal status of your debt, 3. False threats to take legal action, 4. Any deceit to get you to pay. 

Further they have violated the FDCPA Laws by calling me at work even though my employer prohibits such communication.. they have continued to call when I have already mentioned it is not allowed, which is direct violation of the FDCPA. I have told her that I was at work and she disregarded my concerns and has continued to call even fooling me by calling with a local number in my area on XX/XX/XXXX and further harassing me and threatened me with legal action, by saying my case was closed within their office and forwarded on for legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  The company above has constantly ignored the fact that THIS DEBT AND COLLECTION IS NOT MINE AND I NEVER PURCHASED THIS SYSTEM! my information was also impacted by the XXXX  data branch and may have got into the wrong hands. I demand these items to be deleted immediately or i will file for litigation due to the XXXX  you caused me. 
And I have NEVER lived in the address on they claimed was my own. That address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Which is also an address they added onto my credit report! I have contacted them numerous times and they are yet to remove this information. They only " closed '' the account and it is still showing. PLEASE help me get this information off my account.
Product: Credit reporting

There is an incorrect address listed for me on my credit report. It is the address of my lawyer XXXX XXXX who was my attorney for my XXXX case. The incorrect address that should be removed is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. This is showing on my Equifax report.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block inc ) due to the inadequate customer service and unfair practices which violate the customer financial protection act ( CFPA ) specifically cashapp failed to take timely and effective measures to prevent and address on fraud on there platform leaving my account vulnerability and unprotected furthermore there despite resolution process was unfair and descriptive as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and my financial loss and I seek appropriate redress for my lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED EQUIFAX_FINAL DEMAND FOR COMPLIANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I had a total of XXXX student loans with XXXX XXXX XXXX that were transferred to FedLoan Servicing in XXXX XXXX. From then until XXXX XXXX, due to administrative issues and a period of unemployment, only partial payments were made and FedLoan Servicing correctly reported the delinquent status to the credit bureaus. The loans were consolidated in XXXX XXXX and the loans were retroactively placed in forbearance from XX/XX/XXXX-XX/XX/XXXX. Despite the loans having been placed in forbearance, indicating that no payment was due in that time period, FedLoan Servicing refuses to update their reporting to the credit bureaus. If no payment was due, then payments were not late and can not be reported to the credit bureaus as such. 

FCRA Section 623 ( a ) ( 2 ) requires information furnishers to report accurate information and to promptly update information that is no longer complete or accurate. Once forbearance was applied and my student loans were no longer in a late payment status, FedLoan Servicing was required per its statutory duty under FCRA Section 623 ( a ) ( 2 ) to update its no-longer accurate credit reporting. 

The FTC issued an advisory opinion ( Advisory Opinion to XXXX, dated XX/XX/XXXX ) regarding information furnishers ' responsibilities under FCRA 623 ( a ) ( 2 ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' FedLoan Servicing communication regarding retroactive forbearances states " If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. '' However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX wrote off the debt which means this debt is discharged. THIS DEBT NEEDS TO BE REMOVED FROM MY CREDIT NOW. 

Iq data- did not provide verification of my debt. I have repeated asked for a contract from iq data to verify the debt i owe. This is the 3rd time i asked, and havent received any paperwork. Please REMOVE FROM MY CREDIT REPORT, AS THEY HAVE VIOLATED FDCPA FOR NOT VERIFYING MY DEBT. 

The dealership did not provide those mandatory disclosure forms at signup. This is a major violation and I exercised my right to rescind my contract. XXXX XXXX unfairly denied my rescision and discriminated against me. 
REMOVE XXXX XXXX ASAP! 


i HAVE ATTACHED ALL 3 LETTERS BELOW FOR YOU ALL TO VIEW
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$9200.00} ; XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX.
Product: Credit card or prepaid card

XXXX Credit report there are Two hard inquiries One is XXXX XXXX Credit on XX/XX/XXXX TjMaxx Credit card Both from Sychrony Bank SYNCB/TJX Dual Card XXXX Fl XXXX I did dispute the XXXX  XXXX one and got confirmation # XXXX As well as called them and disputed the other one both being fraudulent! 
When I log in to check your status of dispute it says there is no indication of this number The other hard injury XXXX  Credit Report Onsite Manager Miscellaneous Reporting Angency XX/XX/XXXX and reported on XX/XX/2018 That one has no other information to call and dispute Both of these are fradulent and I did not open nor authorize them Its been over 60 days when I was told it would be taken care of or I would get a letter. Which I have from Stchrony bank but its still on my report. The first time I reported it it was XXXX they told me they would make note of that now again an Tjmax card was opened in my name without there being any warning! As told by SYCHRONY Bank Fraud department This is identity theft and I would like to dispute all three hard injuries as I had no consent in opening or allowing this to happen.
Product: Debt collection

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Credit card or prepaid card

called bofa XX/XX/2023, claimed a credit card using my name and ssn was a fraudulent application. I called the bank today and the account was not closed. They didn't do anything.
Product: Student loan

in XX/XX/year>, around {$30000.00} of accrued interest was capitalized without reason. Multiple attempts including letters, calls, complaints were made however it was never corrected. 

In XX/XX/year>, my total balance randomly went up from around {$370000.00} to now {$380000.00} without explanation. There should not be any increase in balance as interest rate is set to 0 % due to forbearance. MOHELA is yet to respond to this. 

I have raw files of student loan data from Studentaid.gov at different points in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
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 with my written instructions.
Product: Debt collection

HSBC bank has a debt from a credit card that was opened fraudulently in my name. I never owned this card and Ive been trying to get it removed from my credit via disputes with the credit bureaus. This is not my debt.
Product: Credit card or prepaid card

Today I am writing about Navy Federal credit Union for veterans I was denied a mortgage I was denied a credit card called flagship and I was denied an extension of credit I have been a member since 2004 and my credit score is now report XXXX XXXX XXXX with all the three major credit bureaus this bank has something against me and refuses to work with me in any capacity I need help they have been denying me for everything that Ive asked please help. its either because Im XXXX or they have some type of rife with minorities since they are not trying to work with me in shape or form. I want to escalate this matter Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX-XXXX  XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, SEQUIUM ASSET SOLUTIONS INC # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX stole my personal information and sold it to other individuals who opened/started credit without my consent i am a victim of identity theft the following accounts do not belong to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I visited   XXXX   XXXX   XXXX   of   XXXX   Tx. I was told all services were covered under my insurance plan. I received a bill and requested the bill be resubmitted to my Ins..
I did not hear back and forgot about the matter. I am in the process to buying a home, my lender informed me i owed {$320.00} and i paid that amount to United Revenue Corp   XXXX   XXXX   XXXX   XXXX    XXXX  TX  XXXX .. I asked United Revenue to provide a Deletion letter to provide my lender that must include Account number, the amount paid, and that the debt is ok to remove from my credit report. This is a standard form and my lender assures me United Revenue is well aware of this form.
I was told they could not provide that letter, that letter comes from an out of state office, i was assured the out of state office would send this with in 10 to 15 business days.
We waited and received a letter but did not contain what was requested. My wife called and expained a second time what we need and was told the first request was deleted. but was assured United Revenue resubmit the request and we would again have to wait the 10 to 15 days. This is holding up our loan process, we paid the amount owed and feel with the attitude we receive when contacting United Revenue they feel as if to punish us in some way and will not provide what we ask. Even though we have paid the debt.