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

XX/XX/2022 was the payment due date for my Capital One credit card account statement ending XX/XX/2022. Prior to XX/XX/XXXX, I sent three separate payments to Capital One which arrived on XX/XX/XXXX. These were sent via a bill pay service. As these payments did not fully cover the statement balance, I intended to use the Capital One website or mobile app to initiate payments from my bank account on XX/XX/XXXX to cover that remaining statement balance amount. When I went to do this, the Capital One app declined to process my payment, saying that I could only schedule at most three payments at a time. I received no prior notice of this restriction. I called Capital One and spoke to XXXX  based XXXX or XXXX with ID number XXXX. I requested to make a phone payment from my bank account that would have covered the remaining statement balance. This request was declined by this agent, citing his system restrictions that I described prior. I indicated that I would make the payments as soon as the system allowed me to do so and requested that no interest be charged for this delay that was caused through no fault of my own. 

On XX/XX/XXXX, the Capital One app allowed me to make these payments from my bank account and I made sufficient payments to cover the statement balance.

Capital One charged me interest of {$22.00} on XX/XX/XXXX. I paid the subsequent statement in full by the payment due date. Capital One then charged me interest of {$10.00} on XX/XX/XXXX. 

The key difference I have noticed with how Capital One processes payments compared to other banks is the following : Capital One deems all received payments as scheduled payments on the date they are received. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  ( all of whom I have accounts with ), only deem payments initiated from their websites or apps as scheduled payments on the date they are initiated. They do not deem XXXX XXXX service or phone payments or branch payments as scheduled payments. As a result, these banks will accept payments from customers on the due date. There may be limitations on a customer 's ability to make a payment via the app or website, but some method exists for making a payment to these banks. This is not the case with Capital One as described and so the bizarre outcome can arise where a customer has the means and willingness to settle a debt with the bank, the bank declines to settle that debt and then charges the customer interest for not settling that debt. This situation should simply not arise.
Product: Mortgage

I lost my job in XXXX XXXX, was granted deferment until XXXX with BB & T mortgage. Started a new job in XXXX XXXX. Resumed my mortgage payments. Sent {$1700.00} on XXXX XXXX, XXXX, they refunded it on XXXX XXXX. Paid them {$14000.00} on XXXX XXXX, they refunded it on XXXX XXXX, XXXX. All I 'm trying to do is keep my house. I will not allow them to take it. I do n't know what they 're problem is but I need help.
Product: Credit card or prepaid card

I have purchased something and cancelled the order without items getting delivered at all from XXXX using XXXX and charged to my Wells Fargo Credit Card. I was short-refunded of {$100.00} short ( e.g {$1000.00} paid, {$900.00} refund ). 

I have opened disputes twice with XXXX, XXXX refused to cooperate, asking for random proof like tracking numbers, recording of call, that I can't possibly prove. 

Then finally I have opened a dispute with Wells Fargo to chargeback XXXX then Wells Fargo declined dispute without any explanation even providing my receipts and proofs plenty of times. 

Important fact is that I am deaf person. That makes a phone call incredibly difficult.
Product: Credit card

CITIBANK STILL OWE ME {$200.00} BECAUSE I OVER PAID THEM.I SEE THAT THEY HAVE DELETED SOME OF MY INFORMATION TO SUIT THEIR GREED..I WAS WAITING FOR A REFUND CHECK WHEN INSTEAD I SUDDENLY RECEIVED A CITI BILL FOR XXXX XXXX.I ACTUALLY STILL HAVE CITI STATEMENTS PROVING MY POINT.MY ONLINE CITI ACCOUNT HAS BEEN CHANGED SEVERAL.I HAVE PAPERWORK SHOWING THAT THEY SUBTRACTED INFO AND ADDED CHARGES TO MAKE A POINT THAT I MUST PAY OR I WILL RUIN MY CREDIT IF I DON'T.I AM WRITING YOU TO AVOID THAT FROM HAPPENING.I HAVE ALREADY FOUND THE EXACT SAME COMPLAINTS ON THE CONSUMER WEBSITES.I HAD NO IDEA THAT CITIBANK WAS A SCAM.I NEVER WOULD HAVE APPLIED FOR A CREDIT CARD, IF I KNEW BETTER.I HAVE FINALLY BUILT MY CREDIT UP, AFTR A LIFETIME OF IDENTITY FRAUD FROM UTILTY BILLS ALL THE WAY TO TAX REFUND FRAUD ISSUES.I AM VERY HURT AND DISAPPOINTED THAT CITIBANK WOULD SINGLE ME OUT TO CHARGE MONEY I DO NOT OWE..ANYWAY THAT YOU CAN HELP ME, PLEASE DO.THANK YOU IN ADVANCE.
Product: Payday loan, title loan, or personal loan

To whom it may concern, This is to report that my original line of credit with XXXX XXXX XXXX, which I have paid regularly for years, was sold to a company called Specialized Loan Servicing LLC and since then I have not been able to receive a statement with all the information required to pay my bill. They have my correct address because the send me letters saying my loan has serious defaults but when I called to request a proper bill they say they can not provide because my account is under maintenance. The loan number is XXXX and the latest costumer representative I spoke with was XXXX # XXXX. 
I need help solving this issue. 
Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the natural person " consumer '' found violations the credit reporting agencies is violating by reporting this unauthorized information on my consumer report. Pursuant to 15 USC 1681a you should reporting my consumer report with no factual information. I would like these account listed in the documents included block and deleted. I do not consent to any electronic response from debt collectors. I am the original credit who extends credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account with XXXX XXXX account XXXX XXXXXXXX has been closed and removed from my XXXX report due to these violations but XXXX and Transunion have not complied with the laws to remove this account with has violated several laws as well as these credit agencies listed above. The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing XXXX  days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX XXXX XXXX, has violated my rights XXXX5USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the XXXX from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Debt collection

On XX/XX/2023 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " Transworld Systems XXXX XXXX '' The company received my letter on XX/XX/2023 and someone from the company signed for it. Within my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I mailed another letter asking for a request validation of the debt they say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter.
Product: Credit reporting or other personal consumer reports

I have followed all proper procedures in disputing this account. I have contacted the bank, and they confirmed the matter is resolved. I have also contacted law enforcement and filed a report and affidavit, which they have deemed valid. Additionally, I have contacted the credit reporting agencies, and both XXXX and XXXX have removed the account as required by law. However, Experian seems to believe I have not followed all necessary steps, which is puzzling to me. Despite submitting my claim to Experian for over XXXX months, they continue to reject it, stating that my documents are invalid. This is the XXXX complaint I have filed against them, and each time, I receive the same unhelpful response. I believe Experian is failing to meet their legal requirement to process the identity theft report. I have also reported the identity theft to a law enforcement agency and Identitytheft.gov, a federal law enforcement agency, and I request a thorough review of this case by the Consumer Financial Protection Bureau. Dealing with this identity theft and the resulting lack of access to my credit is causing significant emotional and physical distress, affecting both my work and personal life. 

XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy Chapter XXXX in XXXX and it was discharged in XXXX. One of the discharged accounts was XXXX. XXXX was sold to XXXX. We did not reaffirm on our auto. We turned in the truck to XXXX. XXXX did not report us because they said it was included in the bankruptcy. Two months ago my credit report started to report that listed XXXX XXXX original creditor XXXX on my report. I believe they are the collection company for XXXX. I disputed the claim with XXXX and they did not remove the account. I gave case numbers and discharge dates as well. Pursuant to Bankruptcy laws, Items listed in my discharge of debtors are required to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

To : TD BANK USA, N.A. ( Target ) and TD BANK , N.A . I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Money transfer, virtual currency, or money service

NEW ACCOUNT MADE WITH MARCUS BY GOLDMAN SACHS TRANSFERRED XXXX FROM CITIBANK ACCOUNT WENT TO WITHDRAW XXXX TO PURCHASE NEW CAR, ACCOUNT LOCKED XX/XX/XXXX. 
CALLED TO UNLOCK IT, PHONE NUMBER WAS STILL SWITCHING OVER TO MY NAME SO AFFIDAVIT OF IDENTITY WAS REQUIRED TO VERIFY TO UNLOCK ACCOUNT. 
FIRST AFFIDAVIT WAS NOT SENT, RECEIVED SECOND ONE ON XX/XX/2023. RECEIVED BY COMPANY ON XX/XX/2023. 
MULTIPLE REPRESENTATIVES GIVEN INCORRECT INFORMATION EVERY TIME, FOLLOWED DIRECTIONS PROVIDED BY THEIR COMPANY REPRESENTATIVES. WAS TOLD TODAY AFTER TOLD MULTIPLE TIMES WHEN AFFIDAVIT WAS GOING TO BE VERIFIED IT WAS REJECTED AFTER FOLLOWING THEIR COMPANY 'S DIRECTIONS. 
I SPECIFICALLY ASKED IF I SHOULD BUT MY ADDRESS ON MY DRIVERS LICENSE, WAS TOLD THAT IT WAS REJECTED DUE TO MISMATCHING ADDRESSES? NO FURTHER CLARIFICATION. A REPRESENTATIVE SPECIFICALLY TOLD ME TO DO THIS AND NOW IT WAS REJECTED. 
WHEN ASKED IF MONEY CAN BE SENT BACK TO ACCOUNT GIVEN NO ANSWER AND UNABLE TO SPEAK TO ANY MANAGEMENT REGARDING ISSUE X1 HOUR. 
XXXX USD CURRENTLY LOCKED OUT OF ACCOUNT SINCE XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Subject : Request for Removal of Closed Fraudulent Account Dear XXXX, I am writing to formally dispute the presence of a closed fraudulent account on my credit report. The account in question is listed under the following details : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account was opened fraudulently without my knowledge or consent. I am not responsible for any transactions made on this account, nor did I authorize its creation. To support my claim, I am including the following documentation : A copy of my government-issued PASSPORT A copy of the identity theft report filed with the FTC ( if applicable ) Any correspondence I have had with the creditor regarding this fraudulent account In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the fraudulent account from my credit report. Please update my file to reflect the removal and provide written confirmation of the actions taken because of your investigation. 
I appreciate your attention to this matter. Please feel free to contact me at my address listed above. 
Thank you for your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was XXXX  from XXXX till XXXX in the XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Credit Card was opened in my name. The first on was opened on XXXX of XXXX and the second account was opened on XXXX of XXXX, and the XXXX  XXXX card was opened on XXXX of XXXX .. Once I was released, I got a copy of my credit report and I notified XXXX and XXXX XXXX about these accounts and I also notified all XXXX credit bureaus about this and they removed them from my report. Then they were put back on my credit report because XXXX and XXXX XXXX said that they were my accounts but I never opened them. I was incarcerated. I sent proof to them and to the credit bureaus. XXXX and XXXX XXXX still maintains that they are my account and they are not. Apparently someone was making payments on these accounts from an account that I never opened. I am angry that they would allow someone to do this to me. I never authorized this nor gave anyone permission to do so. The mail was taken from my mothers mailbox. Her box is out in the open for anyone to grab mail from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX car dealership in XXXX Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX and XXXX dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries on my report from XXXX XXXX that I did not apply for and I did not authorize this company to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The absolute tragedy of XXXX  XXXX and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

Jefferson Capital / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was XXXX dollars to raise I cant seem to let this happen since it is not just.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal credit information. I was affected by the recent Equifax security breach.
Product: Debt collection

Jefferson capital system is a third party debt collector which the debt was sold to them by XXXXXXXX XXXX  that is illegal for a third party to buy a debt and try to collect Jefferson capital system do not or can not provide a real orginal contract showing I made this debt. This suppose debt was identity theft which I show the police report to XXXX XXXX the time XXXX  was in business before bougth out by XXXX  this debt is under the guide lines of ( 15 usc 6802 ) iam asking that this be removed asap