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

I have had a Capital One business account for decades. I've used their XXXX XXXX service to pay my personal bills and business invoices. Some of them are regular recurring payments. 

The bank changed payment contractors, notifying me only after the " completion '' of the process. However I was no longer able to access the service from their web portal. 

XXXX times in succession I was told that a service ticket was submitted and that they tale XXXX days for each to be addressed by the " digital team ''. On the fourth complaint I was told that it has been submitted for a " secondary review '' with an open ended resolution time. 

Several times I asked to speak with someone more directly connected to the new contractor and was told that it's just not possible, until XXXX supervisor did actually transfer my call to the company. They told me that my account was not transferred to me by the bank. 

Meanwhile, for XXXX weeks I've had to make alternate arrangements to pay my debtors and figure out who were the recurring payments. 

In addition, I just learned that XXXX debtors who I paid by ACH through the bank did not receive the funds, though the funds were taken from my account. 

Capital One Bank has been very unresponsive, not helpful, and doesn't seem to be concerned. 

I requested a written statement from the bank with an explanation accepting accountability that I can provide to my debtors who were not paid on time. They said that the request would be submitted and I can expect a decision in XXXX months!
Product: Debt collection

When SCA Credit first contacted me, about a bill with XXXX XXXX, I had informed them that I'm only able to pay {$25.00} a month, because already I'm paying on another bill from XXXX XXXX. The man I had spoken with, told me that paying {$25.00} would be harmful for my credit, and in order for the harm on my credit, I would have to pay at least {$50.00} a month. I repeatedly told I'm only able to pay {$25.00}, and kept pressuring me to pay the {$50.00} a month. I asked him why couldn't that bill be added/connected so that I could have only one bill to pay, instead of paying multiple places, for one biller. He told me no, that would be illegal, because it's double billing. I'm paying for a bill directly to XXXX XXXX, from a past XXXX. The bill that SCA Credit hold possession of, consist of two separate bills, to the same company. He finally eased up, and put in my monthly of {$25.00}. In XXXX, I had missed a payment, but in around XX/XX/XXXX, I was able to catch up, and pay for XXXX and XXXX, of $ XXXXThis past Thursday, XX/XX/2022 I received a phone call from SCA Credit Services , saying that I was one payment behind, and the lady was pressuring me to pay both this month 's bill and the one I already payed. I told her that one was being sent to the company. She kept pushing, and pushing, asking how I would like to pay. I told her that I couldn't pay, because I have other bills to pay. She made feel, as though I intentionally, and recklessly had the bill created, and have it marked, about me not paying more then {$25.00}, and it'll go against my credit. Today, ( XX/XX/2022 ) I received a letter, stating that " they've done all they could do, and to keep from further collection of the original debt, I would have to pay the full amount of {$670.00}. '' Seems as though they are suggesting that legal action is in the cards, even though I've been paying, and did pay {$50.00} around XX/XX/2022. With the attached files, you will see the last month 's bill, showing what I'm paying, my bank statement showing that I've been paying, and the letter they had sent me.
Product: Debt collection

This debt does not belong to me and I would like it removed. Im already having a hard time as it is due to covid 19. I went to get a loan to be turnt down due to this false collection. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discharged Chapter XXXX reported XX/XX/XXXX - I have disputed this as the record should have been removed after 7 years. It has not been removed. It is currently affecting my credit score and ability to rebuild my credit score. 

XXXX Dept of Education Balance {$7200.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$4000.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$1900.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$3900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$9300.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account 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 XXXX XXXXXXXX Balance : {$360.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit reports provided by the credit reporting agencies, including Equifax, XXXX, and XXXX. These inaccuracies include discrepancies in the " Date Opened '' for certain accounts and inconsistent or incorrect balances across the credit bureaus. Such errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act, both of which require credit reporting agencies to ensure that all information they report is accurate, complete, and consistent. 

Specifically, the following accounts show either inaccurate " Date Opened '' information, incorrect balance reporting, or both : XXXX. XXXX XXXX ( Account Number : XXXX ) ******The DATE OPEN is INCONSISTENT AND INACCURATE***** ******The HIGH CREDIT is INCONSISTENT AND INACCURATE****** ******The CREDIT LIMIT is INCONSISTENT AND INACCURATE ***** REMOVE THE ACCOUNT IMMEDIATELY DUE TO THE VIOLATIONS OF MY RIGHTS. 


XXXX XXXX ( Account Number : XXXX ) *********The DATE OPEN is INCONSISTENT AND INACCURATE *** REMOVE THIS ACCOUNT FROM MY REPORT DUE TO THE VIOLATION OF MY RIGHTS - XXXX. XXXX ( Account Number : XXXX ) *********The DATE OPEN is INCONSISTENT AND INACCURATE **** REMOVE THIS ACCOUNT FROM MY REPORT FOR VIOLATION OF MY RIGHTS These discrepancies have created an inaccurate and misleading view of my credit history, which directly impacts my ability to access fair credit. Under the FCRA, specifically 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting different dates and balances across credit bureaus fails to meet this standard and unfairly impacts my credit profile and score.

The inconsistent balance amounts and differing " Date Opened '' details across the bureaus may mislead lenders assessing my creditworthiness. To resolve these issues, I am requesting that the Consumer Financial Protection Bureau ensure that the credit reporting agencies comply with the FCRA requirements or REMOVE these accounts immediately. Additionally, I am requesting that any unverifiable or inaccurate information be corrected or removed from my reports. 

Attached are copies of my credit reports, with the specific items in question highlighted for your review, along with any additional documentation to support my dispute. 

Thank you for your attention to this matter. I respectfully request that corrective measures be taken promptly and that I receive written confirmation of any updates made to my reports. If you require further information, please feel free to contact me at via email at XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$640.00} XXXX XXXX BALANCED {$830.00}
Product: Checking or savings account

On XX/XX/2022 I was just payed from my job in the amount of XXXX which was XXXX XXXX  that morning. Around XXXX that morning I received a text from American Express saying my account was below XXXX with balance of XXXX cent. I contacted American Express for a dispute right after..I checked my account to see 2 transactions ( {$800.00}, {$870.00} ) were made to an XXXX XXXX. American Express tells me the transactions were made from my online account.I tell them I have my phone number hooked to my account so I dont have to use the online account..they constantly tells me my account automatically authorizes transactions so there was nothing they can do..I repeatedly tell them I dont know any XXXX XXXX but there was nothing they can do nor know if I can get my money back and I told them theyre the only ones who knows my info to be in my account but they say they cant see any of my online account that it is impossible for them to get into my online account. At that point I honestly feel like someone within their operations/employee did it.
Product: Credit card or prepaid card

I feel disinvited against by my Exxon Mobil card customer service lied to me they first tell me no credit pull for a increased they never give me one and when I request one its always denied when will be the day they actually reward me they never do Ive had the same limit and shown responsible use and oayment history for them to be doing this to me I cant login online either and they pulled my credit without telling me and denied me again what a horrible experience they dont value my business or anything they are rude to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 )  XXXX XXXX XXXX ( XXXX XXXX XXXX  ) SEE  ATTACHMENT 3 ) JEFFERSON CAPTIAL SYSTEM ( XXXX XXXX ) SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.

In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 ( XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card or prepaid card

Hello, I am filing a complaint against XXXX for the customer service I received and the reporting of missed payments to my credit profile. There was a late payment reported to my credit profile for the XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have sent emails, letters and promises to remove via phone calls on multiple occasions without a response from this company or them actually doing it. I have suffered a tramatic loss and have explained that to them just for them to leave me unanswered. I truly enjoy shopping with XXXX but I am sick at their customer service and their lack of empathy in the matter. this is causing me a great deal of stress and XXXX and XXXX has shown that they do not care or listen to their customers.
Product: Debt collection

The company is USAA. Everytime they have contacted me I have told them to work with XXXX XXXX XXXX who I am using for debt consolidation. Example dates XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

I informed them that I was working with XXXX XXXX  and to talk to them. I seperately called XXXX XXXX on XXXX XXXX and confirmed they had spoken to the settlement department at XXXX XXXX 

However, USAA continues to try and contact me. I actually spoke with a manager there, and set up a date, also XXXX XXXX, for them to call me at XXXX my time at which time I planned to get them and XXXX XXXX on the phone together. Instead, I got no phone call on the XXXX or XXXX, and got another missed call this morning at about XXXX ( ca n't answer because I 'm at work so I declined the call ).
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations please see attachments : not mine XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Closed 26 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$8100.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$8100.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO CO - - - - XXXX 60 60 90 CO CO CO CO CO CO CO CO CO XXXX - - - - - 30 30 60 30 60 90
Product: Credit reporting or other personal consumer reports

Request for Documentation Regarding Late Payment Reporting for Account [ Account Name/Number XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request documentation regarding a late payment reported on my credit report for the account referenced above. I believe there may be an error in this reporting, and I seek clarification in accordance with my rights under federal law.

Under 15 USC 1666b, creditors are required to follow specific legal procedures before reporting a payment as late to credit bureaus. Specifically, the statute mandates that creditors must send a written notice to the consumer at least 21 days before the due date of the payment. This notice should include an attached form as prescribed by 15 USC 1637 ( b ), detailing the payment terms and any conditions that could affect the status of the payment.

To ensure my rights have been respected and the reporting is accurate, I kindly request the following documentation : Proof of Notice : Documentation showing that a written notice was sent to me at least 21 days prior to the due date of the payment in question, including the date of the notice and proof of delivery or mailing. 

Copy of the Sent Form : A copy of the form sent along with the notice, as required by law. If applicable, please also include a copy of my signature confirming receipt and acknowledgment of the payment terms and conditions. 

If you are unable to provide this documentation within the required timeframe, I respectfully request that the late payment entry be removed from my credit report, as its reporting would be in violation of federal law. 

Please respond to this request within 30 days from the date of this letter. If I do not receive a response within this period, I will have no choice but to pursue further action to ensure my credit report is accurate and my consumer rights are protected. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

I requested documentation from the collection agency regarding the alleged balance due. Hunter Warfield provided me with a condition and disclosure report received from XXXX XXXX XXXX. 

As per the report, the alleged charges include {$200.00} for damaged plank, {$80.00} for boxes, big bags of trash and debris, and {$75.00} for keys and XXXX XXXX XXXXXXXX XXXXXXXX XXXX  ' condition and disclosure report states that the balance due is {$100.00} after deducting the {$300.00} security deposit from the alleged charges. The total of these alleged charges ( {$200.00} + {$80.00} + {$75.00} ) amounts to {$350.00}, which is different from the alleged amount of {$400.00} that XXXX XXXX XXXX  attempted to collect. 

I believe the {$75.00} charge for the unreturned keys is unwarranted, as I have provided evidence to Hunter Warfield indicating that the keys were indeed returned at the time of move-out. Additionally, I would like to note that my lease with XXXX XXXXXXXX XXXX commenced on XX/XX/XXXX and concluded on XX/XX/XXXX. Moreover, all maintenance issues were reported to XXXX XXXX XXXX concerning the alleged damages.
Product: Debt collection

I have received repeated calls and mailing from this company. I never gave them my consent to contact me. I have been harassed by repeated calls and harassed by multiple mailings. I have received up to 3 calls in one day from this debt collector. Pursuant to my federally protected consumer rights I now seek claims for damages caused by your company. Attached is my affidavit of truth proving my claims of harassment and repeated calls from a company I have no contractual obligation with.
Product: Credit card or prepaid card

Previously held a CareCredit account, but the account was closed due to inactivity. Applied for a new CareCredit account, as a dental procedure was scheduled within 4 days. After applying was instructed to contact via telephone. Contacted via phone and was advised to visit XXXX to verify my identity via biometrics. At no point was I informed that the application was denied or might've been denied prior to conducting the identity verification. At the time was uncomfortable providing biometric information, but proceeded with the process after speaking with someone who informed me of the length of time it would take to complete the process via mail. Upon completion of the on-line identity verification process, was informed that I would receive a letter in the mail in 7-10 business days. No further information was provided. Given that I had just uploaded photo documentation including my driver 's license and license bar code, I was dissatisfied with the response provided online. Only after I called back, was I informed that my application was denied. No further information was provided related to the adverse action. My complaint centers around the fact that, given the company already pulled my credit report and obtained information related to my application, said company should have had sufficient information to make the denial decision prior to the requirement to complete the identification process. Given that I am not aware of the reason for the decline, I am not filing this complaint because my application was declined, but because of the cumbersomeness of the process for the identification and the vagueness related to how the company uses the biometric information provided to them. Had I been an older individual or possibly an individual with XXXX, how would the company have accommodated me if I had not had access to the verification website? Given the other verification method... waiting for documents to be mailed or obtaining the documents via email, then printing said documents, then having the documents notarized, I'm not sure how accessible the credit product is, especially given it was going to be used for a dental procedure, which typically isn't something that is planned in advance. Disclosure should be provided to an applicant that going through the verification process may still result in the denial of the credit application.
Product: Credit card or prepaid card

Hi, My name is XXXX XXXX and across all 3 bureaus under my Chase card there is an issue with late payments that is being reflected across all 3 bureaus. I am trying to get an mortgage loan where there is 6 late payments reflecting on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX varying from 30 days to up to 90 days late. I have reached out to chase on multiple occasions regarding this in which they never helped to help me fix this and as a results closed my account at the time. Please see the attached documentation.
Product: Debt collection

Repeated phone calls throughout the day and theyve called my work. Ive asked them never to call my work. Ive informed them that I am currently working with a debt consolidation company handle my debts. I also believe theyve called people from my past.