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

I have been a holder of Capital One 360 XXXX accounts ( XXXX XXXX XXXX XXXX ) since approximately XXXX I held ( until XXXX ) XXXX high-interest savings accounts with Capital One totaling over totals varying from {$15000.00} up to over {$60000.00}. 
I opened these accounts with the understanding that they were high-interest savings accounts. They were advertised as high-interest savings accounts at the outset and they continued to be advertised and operated that way. When interest rates went up, the rates went up ; when interest rates went down, the rates decreased. It was my understanding from how the accounts were advertised and operated that I would earn a competitive high-yield rate. For example, today, CapitalOne advertises high-interest accounts : 4.35 % APY- High Yield rate- A competitive Annual Percentage Yield. 

However, recently, after receiving an offer from a competing bank, I checked the interest rate of my Capital One accounts. All of my XXXX accounts are currently earning a paltry .30 % interest or less. I was surprised and visited the Capital One website to confirm that Capital One is paying such uncompetitive rates. I then spent hours on the phone with XXXX XXXX last night and today, seeking my original terms and condition documents. Capital One kept trying to direct me to todays Terms and Conditions but was unable to provide me with the Terms and Conditions when I open the accounts. Moreover, despite speaking to numerous people, Capital One was unable to provide any explanation as to what its variable rate was tied to., My most recent account statement states my accounts are XXXX XXXX Accounts. It appears that Capital One is treating legacy XXXX High-Yield Savings Accounts ( Legacy High-Yield Accounts ) differently than these XXXX XXXX XXXX The features of the XXXX XXXX Accounts appear to be nearly the same as the XXXX XXXX Accounts, except for the interest rate. 

It would appear that Capital One engaged in deceptive and abusive practices. Specifically, Capital One led XXXX XXXX Account holders to believe that they were getting competitive interest rates, but did not pay competitive interest rates. Further, Capital One launched a New High-Yield Account product without properly notifying Legacy High-Yield Account holders of the change or automatically rolling them into these accounts. And finally, it would appear that Capital One did this to intentionally deprive consumers with Legacy High-Yield Accounts of the interest they were entitled based on Capital Ones promises and past practices. 

Not only did Capital One violate XXXX Capital One intentionally harmed consumers who trusted Capital One to protect and preserve their savings. Particularly during high-inflation environments such as this, it is critical that Capital One repair the damage done.
Product: Credit card or prepaid card

This company offeres me a credit card by mail. I called the phone number to get the card. After recieving the card I did not get acorresponding address to pay bill. They charged me money that I didn't even spend. Then when I tried to call the number on the back of the card, they did not answer the phone. I called dozens of times to resolve this matter. On the couple of occasions that they did answer I asked the rep. to speak with a manager, and each of the few times I did this I was disconnected.

When I finally did receive a bill it was filled with outragous fees for being late on a payment.

This company is now harrasing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM EXTREMELY FRUSTRATED WITH THE FACT THAT XXXX XXXX XXXX IS ALLOWED TO CONTINUE TO VIOLATE MY FCRA section 623.They are reporting my credit history inaccurately on purpose is a clear violation of RIGHTS.US Court of Appeals Ninth Circuit , No 00- 15946, XXXX vs. XXXX XXXX allowing them to keep using {$1.00} increments to keep re aging this unverified accounts its totally wrong and has been going on for months. I HAVE SENT DOCUMENTS DIRECTLY TO THEM I HAVE FILED XXXX   COMPLAINT, MULITPLE CFPB COMPLAINTS, AG COMPLAINT. THEY HAVE RE-AGED THESE UNVERIFIED ACCOUNTS MULITPLE TIMES OVER A 6 MONTH-12 MONTH PERIOD. AND I HAVE PROVEN THIS OVER AND OVER WITH ALL 3 BUREAUS. XXXX HAS DELETED 2 OF THE ACCOUNT. AND LEFT 1 WHICHI IS THE SAME ACCOUNT NUMBER. EXPERIAN AND XXXX KEEPS ALLOWING THE VIOLATIONS TO OCCUR EVEN AFTER I HAVE PROVIDED PROOF OF THESE VIOLATION. I HAVE PROOF THAT BOTH EXPERIAN AND XXXX BOTH SAY THEY HAVE VERIFIED THAT THE INFORMATION IS ACCURATE. ITS A VIOLATION AND THIS ILLEGAL. They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency. XXXXonsumer Protection afforded by the FCRA {$1000.00} FCRA Section 605 ( c ). Clearly you are not paying attention to the actual paperwork. LOOK AT THE DATES OPENED? LOOK AT THE ACCOUNT NUMBERS? LOOK AT THE UPDATED INFORMATION? REFINANCED? HOW IS IT REFINANCED AND ACCOUNT CLOSED AT THE SAME TIME? HOW DOES A LOAN GO FROM XXXX TO XXXX? HOW DOES A LOAN GO FROM BEING PAID AND CLOSED TO NOW OWEING XXXX? IF YOU WOULD LOOK A THE DOCUMENTS AND NOT USE YOUR XXXX SYSTEM YOU COULD CLEARLY SEE ITS INACCURRATE AND THEY HAVE BEEN ALLOWED TO REPORT THIS CAUSING ME MAJOR ISSUES!!!!! IM SHOCKED.

It is the duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer, As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I AM A REAL PERSON NOT A CREDIT REPAIR COMPANY! THIS HAS DIRECTLY AFFECTED MY LIFE IN MORE WAYS THEN 1. I HAVE ASKED FOR HELP IN MAKING THIS RIGHT.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AMER CR ACPT. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint for this day is my follow-up to my previous complaint dated XX/XX/XXXX. My previous complaint disputed items are the following : XXXX XXXX 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 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 XXXXXXXX XX/XX/XXXX I Include these items in my previous complaint, Now I am redisputing them again.
Product: Debt collection

Good evening Bureau. More details I write in the letter attached below. I sent mail to Validate my debt. The collection company was responded sent me some documents. I asked them to clarify how to calculate the final amount of debt and I attached The Regulations z to them now they not responded. Because all the amount on my credit report are the big added up amount with the evidence to prove. If the Collection company not responded this time what is the next step? Referral to the last complaint that Bureau forward my complaint to the Creditor but the Creditor not responded can we do anything or anything can I get it in writing? I still have a trial court date with the Creditor.
Product: Credit reporting or other personal consumer reports

Transunion has continued to verified the account XXXX XXXX XXXX as accurate. I asked them to investigate this account and I asked them to Reinvestigate this account and they still are reporting errors on my credit report. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable informaMon ( A ) In general If, aOer any Reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer! 

This is reporting as a collection, the status is reporting as a open account but it has no payment history. 

This account is reporting false information therefore this is the final opportunity to delete this account or Transunion will be sue in court maximum amount the court will allow.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX
Product: Prepaid card

I had recurring loads set up on my prepaid card account. 

On XXXX XXXX, I had a scheduled load for {$200.00}. I went to a restaurant and left a tip. 

I came home to find an email informing me that the ability to load my account had been terminated for no apparent reason ( the customer service reps refuse to tell me why either ). The {$200.00} scheduled load did not go through. 

The amount in the account was enough to cover my meal, but when the tip posted it left my account with a - {$2.00} balance. 

Since XXXX XXXX, I have attempted to pay the - {$2.00} balance multiple times including multiple phone conversations. Serve will not allow me to load my account but consistently sends me warning emails that my account has a negative balance. 

I want to be able to pay them their {$2.00}, but they wo n't let me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported me 3-4 months late On a credit card balance of {$19.00}. 
They reported this to all three credit bureaus and it has affected my credit score. 
Contacted XXXX on XX/XX/XXXX and they told me that I have a zero balance as of XX/XX/2018 when they closed my account. 
I never received a statement from XXXX for months cause I had not made any charges on the card! 
XXXX would not contact the three credit bureaus on behalf to settle this problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because its been ignored by XXXX XXXX and all three credit bureaus. 

My mother in law wanted to save me the aggravation of using my own credit cards when I pick up her groceries and medicine so she added me as an authorized user so that I can just put it on her card. 

Prior to her adding me she showed me that she paid her balance down because I did not want her credit card showing high usage as im due to settle on my house in a few days. 

Prior to her showing me her account was indeed under 30 % usage she made a payment but because of her age she forgets sometimes and paid with an account that was closed out. She did not mean to do that and I believe if you look through her account you can see she never had a returned check before in the past, Once we realized the check came back we immediately made another payment to bring the card back down under 30 % but within that same day you guys have already reported the account to the credit bureaus. 

We sent in a request to all three bureaus to update the new balance and we also requested this from XXXX XXXX in which have all ignored us. 

I mean as a courtesy we are asking to understand her condition and why this occurred and also may delay or lose y house if this isn't corrected. Its been three weeks now and still no help. 
Whomever receives this we ask that you can bless her by helping us out. 

Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple requests to have the reporting to XXXX to be consistent with the other reporting agencies. This has taken many years as the contact information provided by XXXX is outdated and my many requests that were sent to XXXX as provided by XXXX were redirected to XXXX and to a different company. To no avail, I complained routinely to XXXX that they were not providing valid contact information. 

Most recently, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I indicated in writing to PHH Mortgage Services that their reporting in regards to Ocwen was inaccurate. They denied having any knowledge of my account, although the account was routinely confirmed to XXXX. I finally received correspondence dated XX/XX/XXXX, from PHH stating that if I wanted to dispute the account, to respond by sending the verifiable documented proof. Sadly, they were responding to a letter that provided all of this documentation. 

PHH is reporting that a foreclosure started XX/XX/XXXX. This is inaccurate. The foreclosure was started XX/XX/XXXX and the mortgage was actually satisfied XX/XX/XXXX. This proper reporting is indicated as such on XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started to check my Credit Report around XX/XX/23 for the first time and I seen so much false information on it. There were false names, phone numbers, address and even a negative debt for {$3600.00}. My friend told me to download XXXX and Transunion app to dispute it. He wrote the dispute, and a few things came off but not everything. 

Then when I did more research, I learned that you should call the companies to explain the Identity Theft instead of disputing online. So, I called Transunion and they said they will get back to me. I called a weeks later and was just put on hold and then the call just hung up. 

Now I'm taking the proper steps to fix everything. This negative false information is affecting my family and me. The bank seen so many different names for me and like 20 addresses. It even shows that I have an address in Colorado and I never even been to Colorado. 

My credit is not the best and thats why Im trying fix it. I do have a few other negative debts and I take full responsibility for them but the one debt for {$3600.00} is not mines. 

I lost my wallet few years ago and had to get a new ID and many years ago I lost my passport and had to report it and get a new one too. I don't know if that has anything to do with this.
Product: Debt collection

Capital One is inaccurately reporting on my credit report and I am asking that the report be removed. They are reporting a late payment on a closed account, which they closed in XXXX of 2021 with no warning or reason why the account was closed. the account in question is Acct # XXXX was charged off at XXXX and is showing passed due amount and late with a balance of XXXX. 
How can an account be closed and late? According to the XXXX that is not accurate and is a violation. The law demands them to have maximum accuracy, according to 15usc1680 1e.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is now at the point where they are playing a game. I disputed items, and I submitted documentation. On one occurrence they ended the despite, without get a response from the companies involved. On a second occurrence they ended it, via their own means. I am now on the third round of disputes pertaining to student loans, multiple reporting of same debt, duplicate trade lines, and accounts that do not belong to me. Upon calling I was basically told by Mrs. XXXX if that is her real, true, and correct name that if I want to file a complaint, I can wait. They have now extended the time Period out for the disputes, to the end of the month XX/XX/XXXX when they should be completed by XX/XX/XXXX. Also they have been uploaded supporting documentation on 2 other items, and have blocked my ability to dispute online. They will not open the dispute over the phone, because I have dared to file a complaint with the CFPB. In the other cases that where filed with Experian, they gave a generic answer to close the complaint out. Please explain what a frivolous answer is going to do to help anyone? So any company can come on this site, give a bogus answer, and get released from responsibility? 

I hope this gets reviewed by a real person. I also hope the other complaints are reopen. They have no legal right to violate the FCRA. I should not be penalized, because I dared to file a complaint on them, when what they where doing was not only illegal, it was immoral. 

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

I was notified by XXXX  that an account I had with Wells Fargo/XXXX XXXX had been closed. In the notations it said " Account closed at consumer 's request ... ''. I disputed this for a few reasons. First, I had never been contacted by Wells Fargo about this account nor had I in any way requested the account be closed. I then disputed Wells Fargo 's claim via XXXX  and have recently been told the exact same thing ; in effect, my dispute was worthless. Another reason I disputed this issue is that it's well known that Wells Fargo has had issues with ethics in recent years and this seemed to be another ( albeit small ) example ; misstating the facts. If Wells Fargo can actually prove that the consumer ( me ) asked for the account to be closed I will retract. However, I can not, no person can, prove a negative ; I can't prove something I didn't do other than simply stating I did not request for the account to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a handwritten letter on XX/XX/XXXX regarding fraudulent hard inquiries that were posted on my account to all three Credit Bureaus. 

I put them on notice having understood they have violated 15 USC 1681 ( B ) As I have the right to privacy and a consumer reporting agency can not furnish an account without my written instructions. Both together and separately my consumer and privacy rights are being violated. I demanded that my account be cleared of the following hard inquiries :. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The first response that I received was from Experian. So this complaint is directed toward that company. I reminded them that it is the duty of the bureaus to accurately report information which as of now is not being done. 

The response I received from Experian on XX/XX/2022 is that they claim to have completed an investigation but did not complete the requested removal. 

They said that the records of the request had been updated. But my credit report reflects that they did nothing about these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted a request via online support to Coinbase as I no longer had access to my email associated with my Coinbase account. They instructed me to open a new account and provide verification documents which I did so they could transfer the funds into my new account, I have asked for an update weekly since then with zero response. I filed a formal compliant with Coinbase and they referred me back to the original ticket opened on XX/XX/XXXX. I just need access to my account or have funds transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are aware that there has been unauthorized activity using my credit profile. I have issued fraud alerts with all XXXX Bureaus to ensure that proper verification is used when applying for credit. I have disputed these inquiries with the Credit Bureaus and the creditor grantors. XXXX sent back written response explaining that all inquiries are a matter of fact and will remain to affect my credit report for 2 years ( see attachment 's ). I have submitted a complaint with the Federal Trade commission Claim number XXXX ( see attachment ). These inquiries are unauthorized without permissible purpose I want these hard inquiries removed from my consumer profile immediately. 

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

In accordance with the fair credit Reporting act XXXX Account XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open end consumer credit plan as late for any purpose.