23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

For months Capital One Bank has been mentally abusing my family and I, with every check deposit being a pro-long hold on my funds. always have to call and ask why this long wait on my checks and even cash deposits. Made a Credit Card payment and it's on hold for 26 days, Checks on hold for 6-9 Days, I have even had a Cash deposit on hold for 7-10 business days. 
When would call in the Customer Service, they would reference how there are so many restrictions on my account. Made a deposit with a teller in XXXX XXXX, NY where he said straight up, " Capital One don't want your business, go find yourself another Bank Bro ''. 
my debit card had a hack to it, they cancel my card and the agent was to send me a new card in 3 to 5 business days, 3 weeks after no card replacement.

The abuse Capital One Bank unleashed at me and my family is unreal. 

The frustration got to a point where I asked an agent if they wanted me to be violent? 
But as the script they read from states, " We understand your frustration, we are doing everything we can to help '' I ask to Close my account and they refused to, so I stop using the account and on XX/XX/XXXX I called in and closed my account. The agent said the check will take 7 to 10 days for me to receive my balance on my account in the form of a check. 
Today is XX/XX/2022 and still no check. After a follow up call the first agent, he said that's why I have so many restrictions and them closing my accounts, For me asking him why after a month they fail to process my request and send my money to me. 
They XXXX a letter to me forthwith but failed to send me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

THE THREE CREDIT BUREAUS ( XXXX, EXPERIAN AND XXXX ) REFUSE TO REMOVE FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT ON THEIR THREE BUREAU SITES, AFTER MONTHS AND MONTHS OF WRITING LETTERS AND SUPPLYING THEM WITH MY FILINGS WITH - THE IRS, THE FBI ( IC3 ), SOCIAL SECURITY ADMINISTRATION, FCC, XXXX, ATTORNEY GENERAL 'S OFFICE OF PENNSYLVANIA AND THE FTC/IDENTITY.GOV ADDITIONALLY, COPIES OF EVERY FILING WERE SENT TO THOSE ACCOUNTS LISTED REPORTING DEBT THAT DOES NOT BELONG TO ME- XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX REPORTING TWO HARD INQUIRIESXXXX XXXX XXXX THESE ARE NOT MY INQUIRIES
Product: Credit reporting or other personal consumer reports

I HAVE BEEN SENDING DISPUTE LETTERS TO EQUIFAX FOR SEVERAL MONTHS DISPUTING FRAUDLENT INQUIRES AND FRAUD ACCOUNT TAKE OVERS WHICH INCLUDES MY STATE ISSUED ID AND SOCIAL SECURITY CARD FTC REPORT AND POLICE REPORT. I CALLED TODAY AND WAS TOLD THEY RECEIVED MY DISPUTE AND BUT ALL MY DOCUMENTS WERE NOT SENT TOGETHER WHICH I SENT SEVERAL TIMES.
Product: Credit card or prepaid card

I have a business credit card that I got from chase XXXX XXXX and the card stated interest of 22,99 APR and would vary with prime rate so when I saw the account statement after having the card for less than two months and making a two payments on the account one being the required payment and the other being a voluntary payment and not seeing the appropriate deductions I reached out to chase with questions on how did they apply my payments. It looked as if they charged me interest on top of the interest and could not explain how it was charged. I got conflicting information from everyone I spoke to and wanted to file a complaint against them and have them send me a detailed description of how they charge me interest and how they apply my payment and refund me anything they did not apply to my account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as, Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense!

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Kohls account from XXXX I was denied at the store and my XX/XX/XXXX credit report says I owe them {$390.00}. since then. I never had a store card from kohls until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent accounts below have violated my rights : Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15U.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 or other personal consumer reports

To whom it may concern, an update to my Consumer Report was made as of XX/XX/XXXX. This update is still showing multiple inaccuracies including the remark Consumer disputes this account 180 Days past due. The official date that I discovered this violation is XXXX XXXX XXXX when I made my first complaint to the CFPB about this account Complaint ID : XXXX. In pursuant to 12 U.S.C. 5564 ( g ). [ 6 ] ( Except as otherwise permitted by law or equity, no action may be brought under [ the Consumer Financial Protection Act ] more than 3 years after the date of discovery of the violation to which an action relates. Also, in pursuant to 15 U.S.C 1679i ( Statue of limitations ) - Any action to enforce any liability under this subchapter may be brought before the later of ( 1 ) the end of the 5-year period beginning on the date of the occurrence of the violation involved; or ( 2 ) in any case in which any credit repair organization has materially and willfully misrepresented any information which ( A ) the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer ; and ( B ) is material to the establishment of the credit repair organizations liability to the consumer under this subchapter, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$31.00}, XXXX written off. {$31.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$31000.00} Disputed account with credit report agency. Wrong person.
Product: Mortgage

I was in mediation with Bank of America, already filed that complaint. Bank of America charged me {$200.00} and now an additional {$530.00} because for ten minutes of them telling me they would not help me or correct the records. They prey on the old and XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following XXXX Account has violated my rights. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXXE Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXXccount # XXXX XXXX XXXX  Account # XXXX 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 or other personal consumer reports

I have reached out to the company and have not gotten any results the dates on these accounts are incorrect. The months are different on other bureaus and these accounts need to be removed because the information does not match across all three bureaus. 

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 accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the XXXX credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : {$600.00} ; FXXXX XXXX XXXXXXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. 

Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off:XX/XX/2019 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have had my purse stolen. There was ATM Fraud as well as other Fraudulent activity, credit and charge cards opened fraudulently. Mt report is not accurate and incomplete. According to the fair credit reporting Agency, whenever a consumer reporting Agency prepares a consumer report it shall follow reasonable procedures that assures accuracy of the information concerning the individual whom the report relates to. 15 usc 1681 ( C ) ( B ) And According to 15 USC 1681I -5 they must do ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) delete any of the information disputed. Please see the police report # XXXX XXXX XXXX XXXX and attached FTC report XXXX 
Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

The company Experian is reporting false and misleading account information on my consumer credit report, furnished from XXXX XXXX XXXX. I have already reached out to XXXX XXXX bank and reported the account information as identity fraud. I submitted a request to Experian to block the information resulting from identity theft within 4 business days, but my request was converted into a 30-day dispute without my knowledge. Credit reporting agencies are supposed to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Unfortunately for me I am not experiencing fair treatment, and my consumer credit report is still not 100 % accurate. Please see attached legal complaint and original request.
Product: Debt or credit management

I saw there is a collections in my credit report last week, which is charged by XXXX XXXX ( XXXXXXXX XXXX I lived through my college year in XXXX ) and SEQUIUM ASSET SOLUTION is the collection agency. This amount is the move-out fee I paid at XX/XX/2021, and after that, through these XXXX years, XXXX XXXX never contacted me and also I never received email or phone call from this collection agency. At the same time, they both can not provide with me the evidence that I didn't pay for the money. The collection agency asks me to find my leasing company, and the leasing company of XXXX XXXX ( XXXX ) told me they stopped manage this property last year, so they can not find any of my account information any more. As I called XXXX XXXX the XXXX told me they just started manage this property, so I need to contact the previous company. 

I don't want to pay for the money which I paid for XXXX years ago, so I want any of them can provide with me the evidence that XXXX XXXX didn't receive my payment at that time. And at the same time, why they can just mark it on my credit report and reduce my credit score. 

Thanks for your help!
Product: Credit reporting or other personal consumer reports

I got a letter from XXXX  dated XX/XX/year> regarding XXXX loans I have never taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

OnXX/XX/XXXX debt collected sent a notice in past due account. Paid bill within a week and asked for written confirmation debt was paid in full. Have repeated request twice and each time they give us different excuse for not sending out letter. They have also provided incorrect information before on how much was discounted by original company and when letters were sent out. When I have pointed out what occurred in the past they blame me. Original provider even admitted there was a mistake on their end on how process was handled
Product: Credit reporting or other personal consumer reports

I have a chime bank credit builder card, it is being reported as having a balance to the credit bureaus. The only money on that account is money I put there. This made my credit score take a XXXX point drop out of nowhere completely blindsiding me while trying to make a vehicle purchase. This information is incorrect and has cost me hours of my time and many more of frustration and stress. This incorrect reporting, especially on something advertised as a safe way to help build credit scores, is a violation of my rights under the Fair Credit Reporting Act and it needs to be fixed now. Now I have to wait up to 30 days for it to be fixed as I filed a dispute with XXXX earlier this evening. Their customer service shuffled me around from person to person before asking to file a dispute, which I was then not able to do on their website due to a nondescript error and was recommended I mail or try by phone in this technological age its hard not to feel brushed aside while the credit bureaus play with my life like puppeteers. I asked myself what can I even do? The new American dream work your life away while we assign arbitrary numbers intended to keep the poor people poor making it impossible to get financing for lifes basic needs that are ridiculously overpriced to start with. Throwing on XXXX % on borderline predatory loans and credit cards taking advantage of people who have no other options. I am disgusted and theres no where to turn. Its just sad, this isnt the XXXX my grandfather fought for.