23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Capital One Credit Card 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$450.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1400.00}
Product: Debt collection

In 2010 I was sent to collections for not paying for a laptop I got on financing. I paid and paid for years but because of interest rates the amount owed never went down. I was sent to collections. This year they finally sued me. I went to the court date and they said they would garnish my wages. They havent done it and now theyre harassing me for my personal financial information. There is a 7 year statute of limits in NJ and they are still coming for me and threatening to send me to jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I pulled my free annual credit Experian report and I found too many errors. Experian keeps poor records and I can't understand why Experian was constantly doing inquiries on me. Either XXXX is the worst Credit Bureau or they are intentionally causing major problems with my credit report.They need to be investigated. 

My social security number is incorrect that was a definite red flag although I was allowed to sign in on the internet under my correct social but when I obtained my report the last 4 of the SS # was totally incorrect.

Under personal information : Experian has me listed as having 5 different names, 10 addresses I've lived in Nevada all my life and have never used an alias, one of the addresses was in Florida. They have me living in apartments complex and I've always lived in single family homes. 

Their credit report has totally made give a hard look at how Bureaus can ruin your life by using their Institutional influence.. I believe I'm a victim. I sure hope this is investigated because after reviewing my report I'm sure there is a major problem with this credit bureau.
Product: Credit reporting, credit repair services, 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. 
XXXX  Account, 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 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

Long story short, I used XXXX XXXX when I lived in TX. They abruptly raised my rates significantly and I called in to dispute some outrageous bills that were set on autopay. I spoke with their rep XXXX to get things fixed with the rate increase and credit the account. What she said she was going to do never happened, I changed service contracts and negotiated the balance due via email and phone calls. I agreed to pay the amount of around XXXX back in XX/XX/ and ask for an invoice to be sent with that final amount so I could pay. I got no invoice and no response, I followed up again weeks later about not receiving anything yet and if there was no response I would consider the matter closed. Never heard from them again until.. I tried to get a business loan and for the first time a collections amount of about XXXX dollars or so shows up from XXXX. I immediately reached back out to XXXX vie email and phone, and complained to the XXXX  because of their A+ rating I knew I would get a call back. XXXX did. XXXX was not able to offer any assistance but another rep that dealt with XXXX complaints stepped in and took blame and offered to credit the account and remove the negative credit remark from my credit. This remark is still on my account after several attempts with both XXXX and Equafax to get this item removed. Equafax allowing them to report and keeping the late payment on my credit is insane. I can only ever talk to someone at Equafax that misreports my dispute and wont allow to talk to anyone directly about this dispute. No I have a XXXX dollar charge off balance and a late payment. Both are making my score less than XXXX which is needed for my XXXX XXXX approval. This has taken moths of waiting for credit updates from XXXX ( which they have now sent multiple times ) and my score to change. I am not reopening this dispute because both the late payment and charge off are still on report and keeping my score lower than it should be. I take pride in paying my bills in time with this being the only delinquency on my credit. I need help to get this dealt with ASAP! Thanks!
Product: Debt collection

During many of the unsolicited phone calls, I asked them to please verify that the information reported is 100 % accurate and that you can fully verify the information. Otherwise please remove from report. Nothing was provided
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint against XXXX and Experian regarding collection accounts from XXXX XXXX that are listed on my credit reports. XXXX and Experian consistently list these accounts as VERIFIED and UPDATED without providing me their methods of verification for these alleged debts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as confirmation that the debt associated with Account Number : XXXX XXXX XXXX has been fully resolved. The settlement payment of {$54.00} was completed in accordance with the agreed terms, and the balance is now XXXX. 

Please find the details of the settlement below : Debtor Name : XXXX Original Creditor : XXXX Account Number : XXXX XXXX XXXX Settlement Amount : {$54.00} Payment Date : XX/XX/year> This letter also confirms that this account should no longer reflect any outstanding balance and should be reported as Paid in Full or Settled to all relevant credit reporting agencies. 

If you have any further questions, or if additional documentation is required, please do not hesitate to contact me at [ XXXX ] or [ XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Student loan

After several intense recruiting calls from thXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) I enrolled into their XXXX XXXX XXXX XXXX XXXX in 2006, taking out many federal and private loans to attend this school. I have since suffered a great deal of financial harm, emotional and mental damage, and professional difficulty as a result of their misrepresentation of their hiring rates, graduation/completion rate, and abusive and confusing lending practices. I am a member of the XXXX XXXX XXXXXXXX, so my federal loans for this predatory college have been forgiven, however, despite many calls to Navient 's private loan department over the years, they refuse to give me a discharge despite several lawsuits and several rounds of loan forgiveness for The XXXX XXXXXXXX XXXX XXXX XXXXXXXX . I ask that the CFPB review my case, as I feel I took out these loans for a college that was predatory in their approach in recruitment and financing and completely misrespresented the value of their degree ( which is essentially worthless, barring me from an opportunity to pursue a XXXX XXXX in my field of study ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED MY CREDIT REPORTS AND FOUND INFORMATION LISTED THAT SHOULD NOT HAVE BEEN THERE. I OFTEN PULL MY EQUIFAX REPORT BECAUSE THEY ARE THE REASON MY INFORMATON WAS LEAKED OUT IN THE FIRST PLACE. DUE TO THEIR HUGE BREACH THAT THEY KEPT FROM CONSUMERS. I NOTICED THAT THERE WERE A LOT OF XXXX XXXX XXXX ACCOUNTS THAT HAVE BEEN CLOSED THESE ACCOUNTS WERE OPENED IN XXXX AND YET THEY ARE STILL REMAINING ON MY CREDIT REPORT. I CONTACTED XXXX XXXX XXXX ON TODAY ( XX/XX/XXXX ) AND ASKED QUESTIONS ABOUT MY CREDIT REPORT. I WAS MET WITH HOSTILITY AND QUESTIONS THAT DID NOT PERTAIN TO ANYTHING LISTED IN MY CREDIT REPORT WHICH I HAD IN FRONT OF ME. PER EQUIFAX " CLOSED ACCOUNTS STAY ON YOUR CREDIT REPORT FOR 10 YEARS SINCE THE DATE OF LAST ACTIVITY '' I HAVE A COPY OF EACH OF MY CREDIT REPORTS. XXXX  IS DOING THE SAME THIG. THEY ARE REPORTING AND UPDATING XXXX XXXX XXXX ACCOUNTS AND THAT WERE OPENED IN XXXX. THEY HAVE BEEN CLOSED BECAUSE THEY HAVE BEEN CONSOLIDATED. AND WERE CONSOLIDATED YEARS AGO. XXXX  IS DOING THE SAME. THESE COMPANIES WERE SENT A IDENTITY THEFT REPORT AND REFUSED TO REMOVE XXXX AND XXXX. ONCE I CONTACTED THESE COMPANIES THEY SAID THEY WERE NOT MADE AWARE THAT A IDENTITY THEFY REPORT HAD BEEN ISSUED. XXXX  SENT ME A LETTER STATING THAT THEY HAD CONTACTED THESE COMPANIES. THEY LIED. THERE NEEDS TO BE AN INVESTIGATON DONE INTO THESE CREDIT BUREAUS BECAUSE THEY ARE CRIPPLING CONSUMNERS BY REPORTNG FALSE INFORMATION AS WELL AS UPDATING INFORMATONON THEIR OWN.
Product: Credit card or prepaid card

I opened the account in XXXX. Setup autopay to full pay balance. Autopay ran twice, overpaying account by {$3800.00}. The XXXX to XX/XX/XXXX2023 statement started with that ( credit ) amount and contained a {$25.00} interest charge. I wrote 2 secure notes and 1 phone call. TD refused to refund the interest. The XX/XX/XXXX statement had an ending balance of {$1600.00}, with a payment due date of XX/XX/XXXX2023 ( see attached ). 
On XX/XX/XXXX, I paid {$2200.00}. With {$1500.00} in purchases, this left statement balance of {$450.00}. There were no interest or fees on the XX/XX/XXXX2023 statement. 
I feel that interest charge was unjustified, maybe illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with XXXX XXXX XXXX. XXXX XXXX XXXXf settled with these two companies and it is being paid monthly. XXXX should not have this bill in collections.
Product: Checking or savings account

In XX/XX/XXXX, My two sisters and I went into the XXXX XXXX branch of Citibank. My mother had passed away and we were to be inheriting {$3.00} XXXX after a property sold. Under the direction of the Citibank manager they had us open an account under the XXXX XXXX in all three names where the proceeds were to be deposited... In XX/XX/XXXX my sister and I went into the XXXX XXXX Citibank branch, we discussed with XXXX XXXX XXXX The Wealth Manager that we would be inheriting this money. XXXX XXXX said they have a special for XXXX that he was going to give us when the property sells. He discussed that generally it needs to be new money but in the same breath told us that he would never have us take the money to XXXX XXXX  and then bring it back I have three witnesses hearing the same thing. 

On XX/XX/XXXX we were notified by the XXXX XXXX branch that the money had just been wired to the XXXX XXXX account they had told us to put it in. That very same day within XXXX hour we came to the bank and deposited into our account the XXXX XXXX XXXX account. As of XX/XX/XXXX when we noticed we were not earning our interest we contacted the bank and were told they were looking into it. We left the XXXX dollars in the account assuming they would do the right thing, after two months we still were receiving little interest. We have complaint after complaint and they are not listening to our side of the story they are not taking witness statements, they are saying we put it in the wrong account even though it was the account the Citibank manager told us to open. We have reason to believe that our account was actually set up wrong and they are not taking responsibility for it, these are deceptive practices. In addition to the XXXX dollars we had set up a checking account with {$200000.00} in it and were supposed to receive {$1500.00} after 45 days. That never happened until we complained they said it was a systematic error. 

Another thing that is extremely alarming in XXXX after XXXX days I earned {$490.00} in interest which was good and I assumed everything was on track. In XXXX after 31 days I earned {$1400.00} in interest. In XXXX after 31 days I received {$77.00} in interest. None of this makes sense
Product: Mortgage

The lender approved this clients file for a streamline modification and only provided this information to the clients XXXX XXXX - the client nor our office was made award of any approvals - the lender took it upon themselves to only provide this info to the XXXX XXXX - The lender refuses to speak to our office even with the XXXX XXXX letter that has been provided giving us consent to speak on the clients behalf - The lender also has out TPA and still refuses to speak with us - the client was approved a few weeks ago and got a denial letter from the lender due to the XXXX XXXX not accepting the terms of the approval - No only with this NOT his decision to make, but the client XXXX and XXXX XXXX were NEVER made aware of the approval or terms to accept or deny the modification. We feel the lender is not handling this file as it should be to assist the client in the best way possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX [ 1 ], it has been reported that over 143 million customers ' information were improperly handled released by Equifax to hackers due to improper security steps taken to protect the information. 

Through checking the website provided by Equifax XXXX https : //www.equifaxsecurity2017.com/XXXX XXXX see if I was one of the affected, I was notified that I may be affected by this incident.
The Equifax website ( linked above ) indicated they are able to provide 1 year of identity theft protection, however, I feel that this large amount of information leaked about me will have lasting effects throughout the rest of my life. Also, according to this website, I can not even activate protection until later in September.
There is absolutely zero indication the recipients of this information will simply give up using this information after 1 year.
References : [ 1 ] http : //money.cnn.com/2017/09/08/technology/equifax-hack-qa/index.html? iid=EL
Product: Credit card or prepaid card

I purchased appliances from Lowes.com on XX/XX/20. Invoice # XXXX. The total amount purchased for all appliances was for {$3300.00}. I made a partial payment with a {$50.00} gift card, leaving a balance to be paid of {$3200.00}. The appliances were delivered and charged to my credit card on 2 different dates. The charges did not appear on my credit card until the appliances were delivered. The first charge was for the stove and refrigerator totaling {$3100.00}. The second charge came when the dishwasher was delivered for an additional {$610.00}. Now, I am being charged a total of {$3700.00} ( less my {$50.00} gift card ) on my Lowes Consumer Credit Card which is incorrect and does not reflect their sale price on my invoice. I have been trying to resolve this over many phone calls between the Lowes credit card company and Lowes with no success. I spoke with someone who said they would resolve it but it never was. Lowes has no record of the person I spoke with and I am still being charged the erroneous amount. Nobody will help me. In fact, they emailed a fictitious invoice that dont reflect the sale discount and that I never even saw before. I have pictures of the sale they were running at the time of my purchase that proves I should receive the correct price. I believe they are trying to not give me the sale price. But the amount theyre charging me doesnt even reflect that so I have no idea where they are getting these charges from.
Product: Credit card or prepaid card

I have a Chase Sapphire Reserve card. I purchased five cameras from an online merchant, but only received four. I provided documentation confirming this in the form of a packing slip, which indicates I was only sent four cameras. My dispute was denied without reason, the only reason being that they " thoroughly reviewed '' all the information and based on that determined that no billing error occurred.
Product: Mortgage

When reviewing my credit report, I found derogatory information entered by Wells Fargo Mortgage. 
My Wells Fargo business checking account is linked to my Wells Fargo Mortgage account. Because the XXXX accounts are linked, I am able to make a mortgage payment directly from my business checking account. 
I also have a Wells Fargo personal checking account and have a monthly mortgage payment auto-draft on the XXXX of each month. 
I elected to pay my XXXX XXXX, XXXX using the business account, which allows me to transfer money to the mortgage. 

Wells Fargo still drafted my personal account and did not recognize the payment had been made via my business account. 
The transaction to my personal account and overdraft fee was reversed by a customer service rep after I called to complain. 

This should have ended the matter, but, it did not. 

I complained, in writing, to the bank from XXXX XXXX through XXXX XXXX, even sending documentation from my business account showing the transfer. There reply was that the transfer was incomplete and the transaction was reveresed. 
If the money was in the bank and they could see it was being transfered, this is not a " non-payment '' matter, this is an electronic banking transaction matter. Secondly, why did they refund the money taken from my checking account, including the overdraft fee, if they did not recognize there was a problem? 

Wells Fargo simply sent " pre '' populated form letters and filled in information unrelated to the problem. The form letters repeatedly focused on a " late payment ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following false information on my credit report : 1. incorrect previous address : XXXX XXXX XXXX  XXXX , OR, XXXX I have never lived at this address, therefore please delete it asap. 
2. I have no knowledge of XXXX  XXXX Account # XXXX, please investigate and delete.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I am a victim of XXXX XXXX  of Debt bondage and would like for all listed listed accounts to be blocked and deleted. 

XXXX XXXX LAST 4 of Social : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from XXXX after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XXXX : 1. XXXX XXXX XXXX XXXX  account was reaffirmed in the Chapter XXXX Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XXXX, there were pre-petition payment ( s ) dating back to XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely. 

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX  was discharged in the Chapter XXXX Bankruptcy in XX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the XXXX dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.
Product: Payday loan, title loan, or personal loan

I walked in the office expecting a {$1000.00} personal loan but then was pressured into taking out a much more expensive collateral loan. It just didn't feel right. They kept insisting on taking out a more expensive loan which ended up costing me more in the end. I went from thinking I was going to get a {$1000.00} loan into being pressured into taking out a XXXX collateral loan. All of this happened in XXXX of 2020. As a result of this I fell on financial hardship and defaulted on the loan so now I'm being sued for a loan that I felt like I was forced to take out.