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

I recently submitted a separate complaint regarding Captial One 's disinterest in working with me to catch up on late payments as a result of the ongoing COVID-19 pandemic, and to design a payment plan which I could afford and use to get caught up. 

In that complaint I mention, several times, that Capital One asserts through their email messages sent to me that I have payment options available, and that they are 'willing to work with [ me ] ' or that they want to 'work on [ my ] account together '. Also in that complaint I detailed how this marketing is clearly misleading and not applicable, as I have been denied these supposedly-available payment plans every single time I call their customer support team, as these emails which I receive continue to 'encourage " me to do. 

I received another email today ( XXXX XXXXXXXX XXXX XXXX PST ) with a stock photo graphic of a man shaking someone's hand and the text, 'We 're on your side, ' on the left side. Beneath this is text which reads, 'Together, we can get your account back on track. ' Below that is the usual content of these emails, and finally at the bottom, we get this text, 'oure our customer, and we want to provide you with payment options tailored to your needs. ' Again, a clear falsehood as applicable to me, yet they keep asserting they are willing to work with me ( they are not ) and that I have payment options ( I do not ). The email closes with the line, 'Well always do our best to work with you. ' Again, a falsehood.

Capital One has been given multiple opportunities to assist, as was described in my recent complaint regarding 'struggling to pay my bill '. The company 's low-effort, canned response made it clear to me that, no, they are not actually willing to work with me. They continue to shove this marketing down my proverbial throat despite their records showing that I do not have options through Capital One. We already went this route. Twice. Both times resulted in zero tangible assistance. 

This is now my second complaint about this company, albeit now for a completely different reason. I am not sure I have ever encountered a so poorly coordinated financial institution. XXXX doesn't have this problem. XXXX XXXX doesn't have this problem. My credit union doesn't have this problem. So, why is all of this so difficult with such a large corporation who should have the resources for cutting-edge CRMs and data storage? 

An attorney is being consulted regarding this ongoing harassment, potential violations, and continued assertions of services available that have been confirmed multiple times to not be applicable or available. 

Edit : I just received yet another one of these emails while typing my response to the fair resolution section. On the XXXX XXXX XXXX XXXX  PST, 34 minutes after the one mentioned above. Unbelievable...
Product: Credit reporting, credit repair services, or other personal consumer reports

My privacy rights as a consumer are being violated by unwarranted credit reporting that is optional pursuant to the Fair Credit Reporting Act. XXXX and Experian is reporting, selling, and communicating false debt without my consent. My credit report is inaccurate and is causing the consumer significant harm. I demanded several times that XXXX and Experian send the description of their reinvestigation of a disputed account that they said was a verified account. These charge off XXXX  XXXXXXXX accounts are not mine. They refuse to send me proof of who verified these alleged accounts, who they spoke with, and the documents used to verify alleged debt. Credit reporting is not mandatory by law, and XXXX & EXPERIAN have my information without my consent and have not received permission from myself the consumer. Both companies are showing transactional history between consumer and alleged creditor in which all transactional history my be excluded from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer  Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on my credit file due to my identity being stolen and sold on the dark web where someone has consumed my identity and the results are a bunch of fraudulent accounts inwhich I'm begging to be removed and/ or blocked from my credit data files. I'm also asking that the major credit bureaus provide me with any and all certified physical documentation for my viewing before reporting any thing via electronic Verification inwhich by consumer law can not be taken for proof of any sort, Therefore, I'm demanding that these fraudulent accounts be blocked immediately. 

1 ) XXXX XXXX 2 ) XXXX XXXX  3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) The XXXX XXXX 6 ) XXXX 's XXXX 7 ) XXXX 8 ) XXXX XXXX XXXX  9 ) XXXX XXXX
Product: Debt collection

Avante Usa has a collection account that has appeared on my credit report on XX/XX/2021. I have sent priority mail a letter that the company failed to collect the letter I have sent. I want to verify that I owe this debt. I wanted the original contract with myself and the original owner. Also the warranty information. All verified documents that I need verify this debt. The amount {$1600.00} is the amount that is owed and I need verification of this debt. I do not believe I owe this debt because I had warranty and the original company would not honor that warranty and put me in a bind because my furniture were broken and I paid for warranty and no one fixed my furniture. I needed the information and no one would sent me what I needed to contest the warranty and the broken furniture.
Product: Credit card or prepaid card

Refused to close my account. Charged interest rate. Put me in collection. 
An issue began in XX/XX/2015 when I was trying to close my account. Since that I was charged an unknown interest rate. Every time I attempted to close the account I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX  : # XXXXXXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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 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

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report these accounts are in violation any credit transaction supposed to be excluded from a consumer credit report if a social security was used in the transaction. I never gave you anything in written consent to report anything on my consumer reports, no consent is fraud. Misleading False reporting and inaccurately reporting means you are failing to comply to 15 USC 1681. I demand these accounts be deleted immediately!
Product: Credit card

In XXXX and XX/XX/2023, a charge was posted to my benefit card for {$190.00} and {$310.00} by XXXX XXXX XXXX. I have proof from the merchant that they admitted to not providing the service according to a customer agreement. As well as proof of my dissatisfaction and grievance with the company. The merchant offered a refund, however, it was not for the full amount of what was charged to my card. After going back-and-forth with the merchant and being promised a refund, I contacted Apple Card to file a dispute claim. I provided evidence and an explanation in writing and waited for several weeks. I contacted Apple Card to follow up multiple times. After, I called to follow up and it was explained that my claim was denied. I asked for reason for the denial and why the promise to refund my card wasnt honored. Despite the documentation that I provided showing my complaint to the merchant, the request to cancel service and the merchant promising a refund due to them not completing work as agreed. After my complaint to the merchant, I obtained copies of authorization slips that was unsigned, showing that I never acknowledged receipt of any goods or services. Therefore, making the transaction not valid. Apple Card has returned one charge of {$310.00} but has not refunded the charges above of {$190.00} and {$310.00}. Also, the merchant never was able to provide an itemization of work completed or a bill. For that reason I am demanding a credit to my account. As a mother with a XXXX child, I need that money back. The money was wrongfully charged and now Im left to pay the credit card bill. I contacted Apple Card on Wednesday, XX/XX/XXXX to request this matter to be escalated and was told a supervisor would call me back in 48 hours. I never received a call, hence is why Im making this complaint
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I am writing to formally dispute certain information that has been reported on my credit file under the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681. It has come to my attention that certain data has been reported by your agency without my explicit written consent to either furnish or obtain my personal information.

Pursuant to 15 U.S.C. 1681b, a consumer reporting agency is prohibited from furnishing information about me without my written consent, unless a permissible purpose exists under the law. Furthermore, I have not given any authorization or consent for the reporting or inquiry of my information by the parties involved. I respectfully request that you conduct a thorough investigation to verify the accuracy of the information and ensure it has been reported in compliance with federal law.

In light of this, I am requesting that you immediately : 1. Investigate the validity of the reported information in accordance with 15 U.S.C. 1681i.

2. Provide evidence of my written consent for the disclosure or inquiry of my credit information. 
3. Remove any unauthorized inquiries or accounts from my credit report. 
Please note that if you can not provide proper documentation or proof of consent, I expect the information to be removed from my credit file promptly, in accordance with the Fair Credit Reporting Act. 
I would appreciate your written response within 30 days, as required by law. Should you need any additional information to process my dispute, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX my key bank credit card was closed at the company discretion. Since then this company has reported inaccurate information on my credit report. On XXXX XXXX credit report it is reporting that my account is open, when I fact it has beeen closed for months. Also it is reporting that my last payment was XX/XX/XXXX, but at the same time reporting that I missed XXXX payment and was 30 days late, while reporting that the last report date is XX/XX/year>. All while this account is closed. On XXXX its reporting that it last reported XX/XX/year>. It also shows no payment history whatsoever, states a different balance and that my status is current with no late payments, but also still reports as open. On experian it reports that last report date is XX/XX/XXXX, that I am current with no missed payments, but that my last payment was XX/XX/XXXX and that the account is still open. Also with a different balance. This has had a negative effect on my credit report due this credit card inaccurate reports.
Product: Vehicle loan or lease

On XXXX XXXX, we purchased a XXXX from XXXX XXXX. We told the sales person, XXXX, and the finance guy repeatedly to make sure they list our po box as our mailing address. On XX/XX/XXXX, I called to ask when we would receive a bill to be told our account was past due. We explained we have yet to receive a bill. The supervisor we spoke to assured me that had fixed the billing address. I had a check sent from Bill Pay with my bank. It arrived on XX/XX/XXXX. 

Payments for XXXX and XXXX went sent on XX/XX/XXXX and XX/XX/XXXX, respectively. 

We have yet to receive a statement from this company. 

I called again today and discovered they had applied XXXX late fees to the account. 
I first spoke to XXXX who refused to hand me over to a supervisor. I called back and got XXXX who got me over to XXXX. 

XXXX made me wait while she heated up food for people - I could hear kids and a microwave! 

After several minutes, XXXX came back on the line. I explained we have yet to receive a bill from the company, that we told them at the dealership, it was supposed to be fixed on XX/XX/XXXX,... 

XXXX said she updated the billing address but it would take not take effect until the following statement. I told her they told us in XXXX that they corrected it. She stated they put something in the notes. 

XXXX said she put in to waive one of the two late fees. I stated it isn't fair to have any late fees as it was the company 's fault we never received a bill and we had paid our loan payment on time each month. She further stated she would request a waiver but didn't think it would go through. 

I told her the XXXX payment should be there tomorrow and asked if there was still going to be an issue. Apparently, this company keeps issuing additional late fees even though we pay on time. This is not fair or reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally started disputing inaccurate items on my credit report on XX/XX/2020 with XXXX, Equifax, and XXXX. I included documentation showing that I was affected by the Equifax Data Breach & a victim of identity theft. When I did not hear back in 30 days, I sent another letter on XX/XX/2020 notifying them that they had failed to uphold my rights as a consumer. To date, I still have not received any correspondence regarding these accounts from the bureaus. It has been 6 months.
Product: Payday loan, title loan, or personal loan

I called Upstart and wanted to inform that Im Enlisting in the United States XXXX XXXX and will be shipping out to XXXX XXXX on XX/XX/XXXX and need to defer my payments due to me not being able to be present and make payments and is listed in in my SCRA benefits. They told me they couldnt defer my payments and will put negative reports on my credit score which is entirely against the specifications of SCRA Protection laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry on my credit report that I would like for to be removed.
Product: Credit reporting or other personal consumer reports

My complaint is with XXXX, XXXX, and Equifax. Along with the collection companies that reported the inaccurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have multiple accounts on my credit report showing they have been charged off. I never received a 1099c for the charged off debt to be reported properly to the IRS for any of these accounts. This is a violation of laws placed by congress to protect consumers. If a company charges off a debt as a loss they are required to send me a 1099c to properly file with the IRS. As well as the fact that the IRS states a charge off is considered ordinary income, additionally stated by the IRS income is not to be reported on consumers reports. This makes the reporting of the account INACCURATE. This is also a violation. Furthermore these accounts still show a balance due. Which is again, INACCURATE information and misleading. Since it has been charged off by the company the balance must be XXXX. I called XXXX twice and brought this to their attention and requested that these accounts be removed. As they are required by the FTC to report ACCURATE information. Or they are in violation and can be fined. They did not remove the accounts and only started a dispute. This dispute can take up to 60 days and in the meantime this is negatively effecting my report and life.
Product: Credit reporting or other personal consumer reports

I have been having an on going issue with this collection company " XXXX XXXX ''. THIS DOES NOT BELONG TO ME I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I ASKED THIS COMPANY TO PROVIDE ME WITH A " DEBT OF VALIDATION LETTER '' AND THEY WERE NOT ABLE TO SEND ME ANYTHING BECAUSE THEY COULD NOT PROVE THAT I DID BUSINESS WITH THEM. THEY CAN NOT PROVIDE ME WITH ANY DOCUMENTATION WITH MY WET SIGANTURE AGREEING TO ANYTHING WITH THEM. FOR THESE REASONS ALONE THIS MUST BE REMOVED ASAP! THIS IS ILLEGAL AND YOU ALL ARE VIOLATING MY RIGHTS AS A CONSUMER PER 15 USC 1681B.
Product: Credit card or prepaid card

Hope this complaint gets thru 3rd time writing it disappears after add attachments.
On XXXX XXXX 2017 get XXXX 2017 statement from ubs bank usa credit card.I notice there are {$1400.00} in charges did not make.I call the fraud dept. at ubs and sign declaration of fraudulent activity.Talk to XXXX in fraud dept ( manager ) She tells me {$1400.00} in charges will be reimbursed.
In XX/XX/XXXX get statement and I see {$400.00} in fraudulent charges have not been removed and date has now been chaned toXX/XX/XXXX .Did not make these charges and {$400.00} has been stolen from me by ubs.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of my accounts has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX and XXXX XXXX # XXXX 15 USC 1681 section 602 A. states that I have the right to privacy.

15 USC 1681 section 604 A. It also states that a consumer report can not furnish an account without my written instructions.

15 USC 1681 c. ( A ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information and other adverse items of information other than records of convictions or crimes which antedates the report by more than XXXX years. 

15 USC 1681 S-2 ( A ) ( 1 ) A person may not furnish any information related to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.