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

I am paid automatically the same day every month by the US Government. This pay is guaranteed for my lifetime due to my combat service and non taxable. I have never had a negative mark on my credit history until this incident with Capital One. This past year the government made a clerical error at no fault of my own and withheld money in the spring of XX/XX/2018 and then again in the winter of XX/XX/2018. I received no notifications that I would get no pay prior and had to wait both times for the government to process a refund. During the last payment interruption I contacted the credit company to notify them of the government shutdown. They agreed to waive the late fees and I made a payment of {$10000.00} as goodwill to show my credit worthiness. I was told multiple times on different occasions by creditor that I would not be receive a mark on my report for payment. In XXXX they reported I had been 60 days late on payments although we had agreed to the payment waiver. I formally disputed the report and then they changed the report to 90 days. I formally disputed it again to no avail. I have called the company three times to voice my concerns and communicate these errors with Capital One and they will not offer any assistance or accept the official documents from my bank account, Department of Defense, or Veterans Affairs that prove the validity of my income, missed payments, and claim. 

I used this company specifically for the benefits of travel points they advertised. Capital One is taking advantage of XXXX veterans and servicemembers that have guaranteed income. I would have never used this company if I had known they would not cover government pay hardships that are formally documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts ( 1 ) XXXX XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX {$3.00}, ( 3 ) XXXX XXXX XXXX XXXX, all are reporting fraudulently on my credit report. I have absolutely no knowledge of these accounts nor have I authorized the use of my information to obtain these accounts. I have previously on numerous occasions disputed them but the 3 major credit bureaus response was account verified. Now I'm demanding the Method Of Verification inwhich was used to  equate the accounts to me. What department investigated it, what was the employee name, and title, and what certified documentation was used to affiliate the accounts. Please provide me all relevant information or as stated within the FCRA laws, these accounts shall be blocked/ removed immediately from my credit report.
Product: Credit card

I requested a new Credit Card " Barclaycard Arrival Plus World Elite Master Card '' in XX/XX/2017. One of the benefits I valued was Trip Cancellation/Interruption insurance. Upon arrival of the first card per XXXX I was able to find Document " Guide to Benefits XXXX '' ( appended ). It offered coverage of {$5000.00} per trip/ {$10000.00} per year ( page 26 ). The year 2017 was clearly marked on the document ( Last page ). When a second card arrived in the mail, it had an insert " Guide to Benefits XXXX '' which offered only {$1500.00} ( attached ). I have faxed twice to Barclay Member Services, and received absolutely no satisfactory answer. They did not even acknowledge the question or address it in any way but referred me to the telephone number on the back of the card. The telephone info I received was again that the benefit was {$1500.00}. This constitutes flagrant false and misleading advertisement and a company unwilling to respond. If I were to need the coverage for my upcoming trip I could loose {$10000.00}.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report, I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. I also attached evidence. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXX - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX C - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Once you have deleted the hard inquiry from my credit report, please send me a copy of my uploaded report.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XX/XX/XXXX Balance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6400.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to open business account with my credit union to get my PPP funding and Bank of America has incorrect information reporting to XXXX XXXX as fraud/acct closed/ nothing paid showing to XXXX XXXX. I contacted BOA and there system does not show any of this. BOA says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what XXXX XXXX says is showing and no way for anyone to generate any letter to XXXX XXXX because the system does not show any negative balances due. 

Finally talked with risk manager at BOA who said well send in a copy of XXXX XXXX  reports and go from there. I tried calling BOA risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into BOA location and have them fax. I went into BOA and the reps faxed copy of XXXX balance due paperwork to XXXX XXXX then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph. 

They proceeded to call the depts to get fax number and both depts gave BOA admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end BOA admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give. 

one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets. 

I am even trying to open business acct with BOA so hopefully they can see their own mistake if they too use XXXX XXXX to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within BOA institution. having trouble getting paperwork to BOA to get XXXX XXXX updated. XXXX XXXX will not remove unless they here from BOA. BOA says nothing to update, yet the consumer is losing due to BOA error Consumer is suffering, Consumer will homeless on the streets of Michigan.
Product: Student loan

Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted
Product: Consumer Loan

NISSAN MOTOR ACCEPTANCE has sold this account years ago and still reporting the account as though it is still owned by Nissan. Also, Nissan has never furnished proof that payments were made on this account for the months XX/XX/XXXX - XX/XX/2010, however, Nissan is reporting payments have been received in order to stay on my credit report longer.
Product: Credit reporting or other personal consumer reports

REVIWED MY CONSUMER CREDIT REPORT WITH BOTH EXPERIAN & XXXX XXXX AT THE AMOUNTS OF SOFT PROTIONAL INQUIRIES. THERE ARE OVER XXXX PROMOTIONAL INQUIRIES EACH. AMONG THE PROMOTIONAL OFFERS ARE XXXX HARD INQUIRIES WHICH ARE SET TO BE REMOVED IN XXXX XXXX XXXX. I DID NOT AUTHORIZE THESE ANY PROMOTIONAL OFFERS NOR WAS I EXTENDED A LINE OF CREDIT. ALL INQUIRES TO BE REMOVED IMMEDIALTLEY. THIS IS IMPROPER USE OF MY CONSUMER REPORT AND ALL CONFIDENTAILLY HAS BEEN BREECHED.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block INC ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one acct no. XXXX .... is wrongfully, inaccurately and damaging speculatively in the hundreds of thousands of dollars appearing on my XXXX   credit report. 
After an average of 10 disputes per bureau, XXXX and XXXX  have deleted this account in spite of Capital one 's ruthless attempts to uphold their erroneous position. 
IN CIVIL DISCOVERY .... BY ME BRINGING ACTION ... AND HOPEFUL PROSECUTORY EFFORTS BY THE CFPB IT WILL BE DETERMINED THAT : THE CEO, XXXX XXXX OF CAPITAL ONE, HEADS A LAW BREAKING, FCRA DISRESPECTING, EXTORTIONATE, CRIMINAL ENTERPRISE. 
IT WILL BE DETERMINED IN DISCOVERY THAT CAPITAL ONE DOES NOT POSSESS ANY CHARGE, EVER, ON THE ABOVE NAMED ACCOUNT, THAT HAS MY WRITTEN AUTHORIZATION, SIGNATURE OR INITIALS, THAT MY IP ADDRESSES OF MY COMPUTERS AND PHONE WERE NOT USED IN ANY TRANSACTION, THAT I DID NOT ORDER BY PHONE AND THAT, INCLUSIVELY, HAVE NEVER MADE A SINGLE CHARGE OF ANY KIND ON THE ABOVE NAMED ACCOUNT.IN ADDITION, I NEVER PAID A PENNY TO CAPITAL ONE FOR ANY OF THE ID THEFT CHARGES.IT WILL ALSO BE DETERMINED THAT CAPITAL ONE 'S " BACK-WATER '' ACCOUNTING STYLE DEMONSTRATED IN THE TWO PREVIOUS CFPB RESPONSES ARE INACCURATE AT THE LEAST. 
THE ACCOUNT CLOSED WITH XXXX BALANCE AND MULTIPLE LATE PAYMENTS IN THE HISTORY.I NEVER MADE A CHARGE OR MADE A PAYMENT.THE ACCOUNT WAS NOT CHARGED OFF, WITH A BALANCE, OR WITHOUT A BALANCE, AND NO COLLECTION AGENCY EFFORTS WAS STARTED.CAPITAL ONE SIMPLY, WITHOUT CAUSE, DID PAPERWORK THAT RUINED MY CREDIT HISTORY ILLEGALLY AND UNJUSTIFIABLY. 
XXXX  DID NOT RECOGNIZE THE FEDERAL TRADE COMMISSION REPORT OF ID THEFT DATED XX/XX/XXXX, THAT THEY RECEIVED MULTIPLE TIMES. 
2019 AND XXXX  WHO PROBABLY CAN'T DECIPHER CAPITAL ONE 'S ACCOUNTING RECEIVED ... .OPTED TO SUPPORT CAPITAL ONE WITH MORE THAN 10 FRAUDULENT VERIFICATIONS. 
I CHALLENGE XXXX  TO DO A REAL INVESTIGATION, FOR THE FIRST TIME, AND ASK THEIR CLIENT CAPITAL ONE .... IF THEY HAVE ANY PROOF, MY SIGNATURE ON ANY CHARGE WHATSOEVER.ALSO, ASK CAPITAL ONE IF THEY HAVE A COPY OF ANY CHECK OR PROOF OF FUNDS I SENT THEM ... I DIDN'T SEND THEM A DIME.SO ... .I HAVE CREDIT REPORTING LATES ON CHARGES I DIDN'T MAKE AND THEN A GRANTOR BRINGING THE ACCOUNT TO XXXX PAID /CLOSED STATUS WHERE I NEVER PAID A BILL BECAUSE I NEVER MADE A CHARGE. 
ALL OF THE STATEMENTS ON THE ACCOUNT ARE THE RESULT OF CAPITAL ONE 'S " ADJUSTMENTS '' I WOULD BE HAPPY TO PROVIDE XXXX  WITH ANY ID THEFT AFFIDAVITS OR ANYTHING THEY MIGHT REQUIRE TO SUPPRESS THIS ERRONEOUS ACCOUNT AND WOULD DEMAND THAT XXXX  CO-OPERATE TO DO THIS SO THAT THEY CAN ALSO OBEY THE FCRA DICTATED PROCESS REGARDING ID THEFT REGARDLESS OF THE OPINION OF THEIR CLIENT CAPITAL ONE. 
CREDIT DAMAGES ARE MOUNTING ... I AM BUSY IN XXXX TREATMENT WITH CO-PAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act The XXXX XXXX XXXX XXXX XXXX XXXX acct 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Mortgage

I have always made payments on my mortgage in a timely manner to Mr Cooper but for some reason in there poorly kept accounting system they have me late paying XX/XX/year> and we are in XX/XX/year>. I don't know who is entering payment information but no one entered any payments on my account scene XX/XX/year> why I don't know. 

In XX/XX/year> i get a letter from Mr. Cooper saying my home is in foreclosure and I am {$5400.00} behind on payments and this is not true. Mr. Cooper has been sued years ago for mistakes and unfair mortgage Practices. Mr. Cooper is one of the worse mortgage company on the markets and has many complaints. This company can't keep up with mortgage payments. 

I recently sent a letter to Mr. cooper to prove that I have not missed any payments and my home should not be in foreclose on. They claim they will investigate and get back with me. 
as of today I am still waiting to see what they says about the so called missed Payments which I given the written prof no payments have been missed. 

If Mr. Cooper still claim that they will not accept my bank statements my next move will be law suit. 
Right now we are still waiting to see what Mr. Cooper say.
Product: Debt collection

Ive received repeated calls of from this place claiming they need my statement because I have multiple lawsuits against from XXXX XXXX XXXX XXXX for a past due balance ( XXXX is my current bank which I'm in good standing with, this is also reflected on my credit report. ) and from a XXXX XXXX XXXX XXXX. XXXX XXXX is a bank in XXXX which is a place I've never lived and I have never banked with. XXXX   keeps threatening me with lawsuits and harassing me with calls trying to collect debts that are invalid/incorrect.
Product: Debt collection

I contacted IQ data international multiple times. But on XX/XX/XXXX I was told to submit I was told to submit proof of residency from XXXX I sent that In and on XX/XX/XXXX I was told theyre going to mail me a identity fraud packet. IQ data international has only verified my name and social Ive told them Ive never lived at that address they cant even tell me where the apartment is or what else theyve verified outside of my Name And social security number which anyone could have access to considering my wallet was stolen around the same time ( XXXX ) the address that they say I rented isnt on my credit reports anywhere. At this point theyre just violating my rights for XXXX XXXX that I legitimately dont owe the only way to resolve this without legal action is to have this removed from my credit report immediately this defamation of character and improper representation of reporting debt that I owe. I feel like Im being discriminated against because XXXX XXXX and they personally dont want me to succeed
Product: Debt or credit management

They told me they would fix everything but I was not seeing results. It was becoming too expensive.
Product: Payday loan, title loan, or personal loan

Lending Club Has Created Barriers to Consumers Receiving Basic Information about Their Loan Accounts : 1. I have a loan with Lending Club.

2. The loan was on autopay to a checking acct.

3. I closed the checking acct a few month ago.

4. I asked the acct. to be removed from autopay at the time, and it was.

5. I revoked permission for Lending Club to call me after receiving incessant calls, and Lending Club did stop calling me.

6. I called for a few months to make manual payments as well as sent in one check payment.

7. About a week ago, I attempted to update my bank acct. information online and the Lending Club website said it was down for maintenance.

8. On today, the account was two days past due.

9. I went online and updated my bank acct. information to new checking acct.

10. I also scheduled my monthly payment, which was two days past due, for today.

11. I wanted to see if ( a ) adding the new bank account information caused the autopay to be turned back on ; and ( b ) this caused a duplicate payment to be scheduled.

12. I spoke with XXXX  in Member Support, who, said my account was on autopay ; and then, after allowing me to expend much time and energy explaining my questions to her, said she would have to transfer to another department, " Payment Solutions. '' 13. XXXX  placed me on hold.

14. XXXX  came back from hold and said it would be a lengthy wait time.

15. I asked why I was being transferred. I stated I had, in fact, wanted autopay to be turned back on. And so, if she was saying it had been turned back on, why did I need to be transferred?

16. She admitted she wasn't sure whether autopay was turned back on.

17. I asked for supervisor. Transferred to XXXX  ( no ID #, said she was only XXXX  ), a Manager in Member Support. XXXX  said the autopay was not on, which means the previous agent was incorrect.

18. XXXX again said she could provide no other information about my account. She said that agents in that department " can't even see the number '' ( an internal number ) of the account when the account is past due.

19. I asked whether, as a general matter, if accounts are not on autopay, whether there would be a duplicate payment to a manual payment being scheduled. She said as a general matter, no.

20. I asked to cancel my payment, and she said she could not do so.

21. I said I had considered giving Lending Club new permission to call me, but that I decided, based on today 's experience, not to give such permission because they do not seem set up to provide productive communication to consumers.

22. Calling Lending Club today thinking you all would appreciate me wanted to have clarity and manage my account, and that I'd be able to resolve this in two minutes, was a big mistake. What a nightmare. You all ruined my Monday morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help, I am confused! I submitted a complaint regarding Identity theft on XX/XX/2021. It's been hard dealing with these accounts on my report. They don't belong to me and now I am stuck! I don't know what to do or who to turn to anymore. Please help me! Covid-19 has put a halt on XXXX XXXX and this credit situation isn't helping either. I would like to get in control of at least one thing in my life. Section 605 b of the FCRA states that fraudulent accounts must be removed with 4 business days. It has been over a month! Not only that, there are fraudulent addresses on my report that I do not know how to remove. Everything is in shambles and your company doesn't provide the information to help. I am lost.
Product: Student loan

I was late making payments and was receiving multiple calls a day from Navient. I finally got on the phone with them and informed them that I can not make payments at this time and am in the process of filing bankruptcy as I am unable to keep up with my debts. The representative said " ok, when are you filing? ". I indicated that I would file in XX/XX/XXXX ( we spoke in XX/XX/XXXX ) and she responded by saying " we can put your loans in forbearance until XX/XX/XXXXand then you will have to send us proof of the bankruptcy ''.
This forbearance period continues to tack on interest to my loans and in the 5 years since I XXXX and have been making payments in good faith, I have not made any impact on the overall amount of my loans because of these interest charges during times that I am unable to pay.
Product: Credit reporting or other personal consumer reports

I filed a XXXX XXXX bankruptcy petition on XXXXXXXX XXXX XXXXXXXX with the assistance of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX and was assigned trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX # XXXX. I began making payments in the amount of {$1000.00} to the trustee. In these payments were principal payments to Global Lending Services, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX ph XXXX XXXXXXXX. I voluntarily removed myself from the bankruptcy XX/XX/XXXX when financial situation changed and there was no longer a need for court intervention. 

Instead of honoring the bankruptcy protections during the time the account was under trustee control, Global Lending Services is saying that the trustee made 2 payments late and reporting negatively on my credit. The late payments show XX/XX/XXXX and XX/XX/XXXX during a time when they refused direct payment from me and when the trustee was legally obligated to make the payments to the creditor. Since the account had been in good standing up until the date the XXXX XXXX was filed, it is illegal for Global Lending Services to report negatively on an account included in the XXXX XXXXXXXX and maintained by the courts. The negative and inaccurate reporting has dropped my credit score XXXX points. 

Case law XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX district ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( credits can report debts as delinquent or in default if that was their status before the bankruptcy filing ).
Product: Credit reporting or other personal consumer reports

I HAVE SENT MULTIPLE REQUEST TO EXPERIAN REGARDING INFORMATION ON MY REPORT AND HAVE NOT HEARD FROM THEM YET!