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

Capital One is not properly handling a CD account for {$65000.00} in the time frame promised upon opening this account. I was informed that these funds would be immediately available XXXX XX/XX/2020 by a branch associate. I reached out to have the account closed on XX/XX/2020 and they stated it would take 7-10 business days. The branch is also unwilling to rectify their errors. I verified my identity at the same level XXXX requires ( as a former employee ) and Capital One ignored it. Today is XX/XX/2020 and they refused to expedite this process to make up for their errors. Every agent has refused to put me in touch with their supervisor or a competent professional in the CD department. The one agent even lied about the number to Headquarters and when addressed began to shout over me. This is gross negligence, a lack of due diligence, and quite frankly financial abuse being were in a pandemic. Ive incurred costs from other companies as a result of their incompetent employees.
Product: Debt collection

A company called Portfolio Recovery Services have called me at least once a day ( even after XXXX ) since at least XXXX of 2020, at different numbers that I've reported and blocked. I've tried speaking to them about what they want, and they won't give me any information unless I pay them first, which seems predatory and a scam. Nobody will give me any information but insist on calling me day after day with no messages, no letters, no emails, nothing to follow up with. I refuse to deal with them to resolve any issues because of the harrassment.
Product: Consumer Loan

westlake auto finace did loans with them as an agent they then canceled my contract 4 years ago they then funelled my coustmers to other stores now there comming back 4 years latter saying i have XXXX in buy backs my contract said i was on first payment recourse all of these XXXX coustmers made XXXX to XXXX payments they harrassed them called there niebors family freinds anybody nothing the truth im XXXX years old retired XXXX ive tried to reson with them but there atty said it more fun to go threw court there using corprate money to exort money also they have to give these XXXX people setllments to they are already trying to double dip i also have proff tht they had my gm signing fake contracts
Product: Money transfer, virtual currency, or money service

I want to be able to connect with XXXX to invest money into Pnc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has still not been deleted from my reports.
Product: Mortgage

From the start when my husband and I became qualified for  XXXX  mortgage relief program , Nation Star mortgage sent four applications out to be notarized after had we the first three notarized, this was getting very irritat ing and time consuming since we both had to be there. At this time in early  XXXX  they continued to report us as 120 days late when we were on time making trial payments and we told we would not be reported by numerous associates. They also reported the months of  XXXX , and  XXXX  of  XXXX  as 120 days late when they were paid on time. Then  XXXX  of  XXXX  through  XXXX   XXXX  are being report ed 90 to 120 day s past due when they were paid on time. This issue is greatly affecting my credit history and number which hinders my ability to receive a good finance rate which I deserve. Please inquiry with this company.
Product: Credit reporting or other personal consumer reports

It is Thursday XX/XX/XXXX when a debt collector called me I usually ignore these type of calls because I always think they are SPAM calls, but right after I always check my credit report. This time I saw my credit go down and due to a fraudulent account that was open, now I am in the process to fix this identity theft problem.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date of the last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Checking or savings account

Redeemed a IRA CD with a maturity date of XXXX XXXX XXXX and was charged a no disclosed fee off XXXX dollars. 

The contract I signed said nothing about XXXX dollar fee! 
In response the bank sent me a letter claiming the was discussed with me prior which it was not and added a fee schedule dated more than a year after I signed the document. 

Not fee was discussed with me at time of signing document and no fee schedule was added.
Product: Debt collection

Old account with XXXX XXXX 8 years ago. {$1000.00}. They are violating by contacting my employer. Midland Credi Management. I have not received any correspondence to my home address regarding this debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX Price Pl XXXX XXXX, LA XXXX ( XXXX ), ( XX/XX/XXXX ), I am submitting this complaint to the Consumer Financial Protection Bureau XXXX CFPB ) regarding Experian XXXX specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Experian is legally required to complete this action within four business days of receiving this complaint. 
*Fraudulent Accounts to be Removed : * 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 XXXXThe accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my XXXX credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commissions, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XX/XX/year> LAST XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX ca XXXX FTC Report Number : XXXX EXPERIAN Have to remove immediately the credit inquiries that I never recognize on my credit report that is a fraud and they have to remove It ASAP, Those credit inquiries not done by me and I did not apply for none of those creditors so please remove immediately from my credit REPORT. XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Student loan

My loan was place in forbearance without me asking after 5+ hours on hold I finally get to a supervisor who removes the forbearance. I then ask why my loan payment increased XXXX $ when I was told it wouldn't I received three different letters in two weeks all with different repayment amounts. They inform me there is a known error in the SAVE recalculated payments. I was asked for my XXXX  tax information and I was informed my repayment should be about XXXX $ not $ XXXX. I was told that the recalculated amount wouldn't be ready for my XX/XX/XXXX payment and they could place me in forbearance again. I said no to forbearance if my new payment would be ready by the next payment due date. The date is coming up and the new payment amount isn't applied. I don't have time to waste a day on hold for Mohela to do their job. I paid the XXXX and will not do this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on XXXX, Equifax, and XXXX  reports. They need to be removed because I did not add them there. XXXX is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXX reporting with incomplete information. Inquiries for XXXX XXXX. XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been unemployed, homeless and XXXX. I never will apply for something I cant afford. Someone have been using my identity. Equifax have been reporting false inaccurate information. XXXX XXXX XXXX alleged account, an incomplete account-XXXX XXXX XXXX  its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX  is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX  with Equifax. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

We disputed this debt of {$200.00} in writing. We filed an earlier complaint XXXX, but the response was both unsatisfactory and inaccurate. The contracted amount was reimbursed by my insurance. Amcollect has ignored my requests to furbish proof of debt or to remove this from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Service Inc. has collected and shared my personal information. Clarity Service Inc. has also unlawfully used identifing numbers such as the SSN whitch is unlawful use of a. Credit card. They do not have my consent to use or disclose any information about the XXXX XXXX XXXX. I have common law copyright and any variation of my name as well as a UCC 1 finance statement, hold harmless, indemnity agreement and payment Bond of file in their respective agencies. I am the Authorized Agent for the XXXX XXXX known as XXXX XXXX and withdrawal any and all contracts expressed or implied, presumed and or assumed.
Product: Credit reporting or other personal consumer reports

This loan was paid in full after total loss in a car accident and gap insurance. The initial down payment of {$5000.00} made at the time of purchase has also not been applied to the loan balance. This information was previously reported to you in XX/XX/2023 and you placed blame on the car dealership but did not fix it. I do not owe a balance and this needs to be removed from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to include my maiden name. I 've submitted my drivers license in XXXX. My married name is XXXX. All of my former employers have been deleted. I sent a current copy of my social security card with my name as XXXX XXXX XXXX. I 've sent a copy of my IRS statement showing my name change.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a glitch in the banking system showing DIFFERENT DATES AND MONEY OWED AND extra charges and fees that were added and a mistake with an employee who was notified to take a payment out directly on the XXXX and failed to do so which caused me to go over 30 days late pluse extra charges and fees and it was added to my credit report as a 30 day late and I can't get it off. Beyond angry and upset I can't get it off my record now I tried to dispute it through both bank and credit bureau with no luck. It's my only 30 day late in a XXXX loan with Wells Fargo XXXX I would like to get these fees reversed and have this XXXX 30 day late removed from my credit report. REGARDING MY CAR LOAN WITH WELLS FARGO CAUSED BYE HUMAN AND SYSTEM ERROR. THAT HAS COST ME EXTRA MONEY IN FEES AND CHARGES AND HAS BEEN EFFECTING ME AND MY CREDIT EVER SINCE. THIS IS UNJUST AND FRAUDULENT.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.under 15 u.s. code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 u.s. code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general if 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 ) delete that item of information from the file of the consumer reporting agency shall ( i ) promptly delete that item of information as appropriate, based on the results of the reinvesting and ( ii ) promptly notify the furnisher of that information that the has been modified or deleted from the file of the consumer please remove the following item from my credit report, 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a XXXX  payment of {$1000.00} for a security deposit to a person claiming to be a real estate agent. They stated in writing that it was refundable but when I asked for a refund they refused to send it. I spoke with Chases claims department on XX/XX/XXXX who said they would investigate it and try to charge the other person back for my money. I got a letter in my bank statements on XX/XX/XXXX that stated no action would be taken and the inquiry is resolved yet they never asked me to provide any documents.
Product: Credit card or prepaid card

So I have a TD Cash credit card that I have been using for 3 years. On XX/XX/XXXX, my wallet was stolen in XXXX and the suspect bought approximately {$200.00} of goods from the local XXXX with two separate purchases. I immediately filed my card lost/stolen and called to dispute the fraud transactions. This was on XX/XX/XXXX that I filed that, but the person helping me only claimed 1 of the 2 XXXX transactions as fraud, so the investigation team declined the claim. I learned this on XX/XX/XXXX and immediately called back the same day to correctly file both XXXX charges as fraud, the customer service worker said they took care of it. In the following week, I never saw a temporary credit, which usually happens in the following few days. I called back on XX/XX/XXXX to check the status and the new customer service worker said that nothing was filed, and we had to start from scratch again, which we did. She made it clear that it could take a month or longer for the investigation to be completed, so I have been patient. As of now, XX/XX/XXXX, I still see a remaining balance on my credit card app and am receiving emails to pay the fraudulent balance ( I paid off all other purchases made before closing the card on XX/XX/XXXX ). I filed a police report, followed all the correct steps, and have not run into any of these problems with the two other credit card companies ( XXXX, XXXX  ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Credit card or prepaid card

To Whom it May Concern : Card ending in XXXX Im disputing the charge Chase Travel charge of {$490.00} from a car rental cancellation charge from a XX/XX/XXXX booking. 

This car rental was CORRECTLY credited on XX/XX/XXXX and then immediately INCORRECTLY recharged on XX/XX/XXXX. I am disputing the XX/XX/XXXX charge to my account. 


I have called many times and asked for managers to resolve this issue with NO SUCCESS. 


The charge for {$490.00} on XX/XX/XXXX was for a car rental through Chase XXXX XXXX XXXX XXXX  XXXX ) the car was canceled and the credit was just recently processed XX/XX/XXXX and then incorrectly charged again on XX/XX/XXXX. 

There is a second CHASE TRAVEL charge on my account that I reported as fraud in the amount of {$490.00} this is a different charge and was reported as fraud. I did not approve this charge and was correctly credited from the fraud department. 

I AM AGAIN DISPUTING THE XX/XX/XXXX CHARGE OF {$490.00} THAT WAS INCORRECTLY CHARGED TO MY ACCOUNT DO NOT KEEP CONFUSING THIS CHARGE FOR THE {$490.00}! 

On XX/XX/XXXX I spoke to a manager " XXXX '' she said she would give me a {$50.00} credit for my weeks of frustration with the Disputes office and that she would have the back office credit my account in the amount of {$490.00} ( within 15 business days ). The next day I receive a letter from the disputes department saying my dispute is resolved in the amount of {$50.00}. This incorrect and absurd. I have called back to ask for a confirmation of the credit being processed with the back office using the claim # XXXX and each time the reps say its resolved and I have already been credited. They fail to review my account fully and see that I have been charged {$490.00} twice once in XX/XX/XXXX and another charge in XX/XX/XXXX and only credited ONCE. 

I would like this resolved immediately and I want to submit another complaint regarding the terrible customer service I have received, one representative hung the phone up or never came back to the line when I asked to speak to a manager. There have been weeks of calls and requests for documentation and the issue is still not resolved. 

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

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. There is a serious issue of possible fraud, I am not associated with these following addresses please delete. 

XXXX XXXX PATH, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX