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

I called Capital One XXXX to dispute again, a late payment reported on my credit XX/XX/XXXX & XX/XX/XXXX. I had a XXXX Walmart account since XXXX. I was never late since I had automatic payment set up. I recall receiving calls from XXXX representatives back around XX/XX/XXXX & XX/XX/XXXX who would identify as Capital One & since I had never opened an account with Capital One I thought it was a scam. They never identify themselves as calling from Walmart Capital One. I did not receive a statement from Capitol One at all or else I would have opened it. Around XX/XX/XXXX The way I found out I had an opened account with Capital one was through an APP, XXXX XXXX. I called Capital One & was told my XXXX Walmart was sold around XX/XX/XXXX & opened a new one around XX/XX/XXXX. I was told I had a past due {$340.00} which I paid that same day. They switched my account but failed to transfer my automatic payment. It was their fault for not continuing my agreement to process my monthly payments automatically. I have had over 15 credit cards and never been late due I have autopay with all accounts. I submitted a direct investigation to Capital One on XX/XX/XXXX. I called on XX/XX/XXXX for status & a very condescending, rude supervisor named XXXX ( id # XXXX ) got very defensive when I asked for results of my investigation. XXXX claimed I was notified via USPS back in XX/XX/XXXX of the changes & that Capital One had a tracking number confirming I received the notification. XXXX refused to provide me with the tracking number saying it was 'proprietary information ' & could not be given to me. I requested to speak with someone else, she refused, said several times she 'was the highest level for the matter & there is no one higher than her ' I could speak to. She basically said if I did not like her information to write in a complaint, and after asking a few times for someone else she hung up on me. I want theUSPS tracking number provided to me & I want someone who is willing to help me contact me or remove the late payments reported in XXXX removed from my credit. My phone number is XXXX, email now is XXXX, mailing address is XXXX XXXX XXXX, XXXX CA XXXX
Product: Payday loan, title loan, or personal loan

I took out this loan a couple weeks ago with every intention of paying them. I was recently in an automobile accident and my car was totaled causing me to have to get another vehicle. Well my insurance left me with a large balance to payoff my wrecked vehicle so I spoke with a bankruptcy attorney and decided to file a chapter XXXX I was advised to send a letter revoking ACH on my loans that I have since I will be required by the court to file all debts. I contacted bridge lending solutions and they are saying they are going to take my first payment even with me filing the bankruptcy and revoking the ACH
Product: Student loan

I inadvertently missed scheduling XXXX and XXXX 2015 payments on the Navient website and when I realized this made payments for both months on XXXX/XXXX/15. Yet on XXXX/XXXX/15, Navient reported the loans as charged off to XXXX. To my knowledge the loans I have cosigned for have not been reported as charged off for awhile ; I have been making on-time payments for almost two years ; well over XXXX in payments. However, if the loan was already in charged of status, why is Navient reporting it to the credit bureaus as a new charge off for missing XXXX payments rather than XXXX payments were missed? If Navient has the loan status as in active repayment, how is it that the loan is charged off for missing XXXX payments? Lastly, technically payment for these loans were current as of XXXX/XXXX/15? Why did Navient on XXXX/XXXX/15 report the loans as charged off/delinquent? I would like these loans placed back in active repayment status and the charge off removed from my credit report. XXXX missed payments versus a charge off is like saying an apple taste the same as an orange.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX removed from my Transunion and XXXX credit report. Since earlier this year on each dispute it comes as being verified. I never asked for the validity of the account. What i have been asking for is the original consumer contract with my signature on it. Per the FCRA 609 rule if they could not provide that information then the account needed to be deleted. Not to mention this loan was issued on XX/XX/XXXX the school which is XXXX XXXX XXXX XXXX closed in XX/XX/XXXX also per the law any debt over 7 years old should be deleted from the credit report. I want XXXX to remove both loans from my Transunion and XXXX Credit file
Product: Student loan

I make an over payment of {$50.00} to {$100.00} per month. Then I started getting statements that read as this, example - received a statement on XX/XX/XXXX, You have {$0.00} due XX/XX/XXXX but current amount due is {$230.00} by XX/XX/XXXX. I made a payment as if I had a payment due in XXXX to continue paying ahead. I received by XX/XX/XXXX statement. Again, {$0.00} due XX/XX/XXXX but current amount due is {$230.00} by XX/XX/XXXX. I again made a payment as if I had a payment due for XXXX. I received a statement for XX/XX/XXXX, now it says I have a payment due {$230.00} due XX/XX/XXXX. I should be paid ahead. Are my extra payments going to principal. I feel that I am over paying and they are misrepresenting my money going to my student loan. I spent 45 minutes on the phone explaining this. He first told me that I was looking at the statements incorrectly. Finally at the end, he stated that my next payment isn't actually due until XX/XX/XXXX and he asked if I wanted my over payment to the principal. What is going on here?
Product: Credit reporting or other personal consumer reports

Federal law mandates that inaccurate information and late payments on open end credit accounts are excluded consumer files. XXXX and EXPERIAN ( account # XXXX ) are in violation of FCRA 1666b ( a ) by furnishing inaccurate late payments on dates of XX/XX/year>, XX/XX/year>, XX/XX/year> & XX/XX/year>. They are also inaccurate due to my XXXX XXXXXXXX XXXX  app Payment history which confirms two ( 2 ) payments for the months of XX/XX/year> & XX/XX/year>. Also my account was suspended, closed and a new credit card issued after theft of my backpack containing my credit cards, phone and tablet on XX/XX/year>. XXXX XXXX Police Department Item # XXXX
Product: Checking or savings account

I had been using chime for years. I had moved back to Michigan after my nephew was XXXX  he ended up passing away. At the time my husband was truck driving and i was doing XXXX XXXX and XXXX XXXX. The pandemic hit I lost my job a few months later I received unemployment.. The problem started when my account got frozen. I just received my taxes and next thing you know it's locked..They told me I needed to send proof for my taxes. I sent 1099s, my XXXX award letter, an old bill with my address on it. My actual taxes, selfie with ID, etc ... I sent everything they needed they still closed my account with no explanation just a bunch of automated emails. I just want my taxes returned. I had over XXXX in my account and they sent me a check with XXXX on it ... I seen they have done it to many people.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00}
Product: Credit card

Citibank responded to my compliant but has rejected their own solution to the problem. I believe they misrepresented the information and did not properly follow through with their recommendation or have incompetents responding to these complaints. I do n't understand their reasons, I contacted the bank multiple times and have talked with a variety of people. They do n't seem or attempt to understand the problem. This bank 's policies are hostile to the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. 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
Product: Money transfer, virtual currency, or money service

Hello there! 
On XX/XX/XXXX, XXXX XXXX ( XXXX ) sent me three payments for {$480.00} ( {$1400.00} ) and when the money arrived in my PayPal account and I tried to transfer it to my bank, its saying Im not able to transfer the money. I contacted the business and they contacted PayPal to let them know it was them who authorized the transactions and I also contacted PayPal but they never responded to me like they always do to their customers. 

I just want them to let me get my money.
Product: Credit card or prepaid card

I have been a NetSpend customer for many years and was happy overall. On XXXX XXXX my account was hacked at an ATM with XXXX  XXXX XXXX. My card was in my presence and I was at home. I filed a dispute and had to wait 10 days for a refund to my account. When I inquire about what happened they would not go into details for security. 

I opened up a different account after the first incident because my card was block from the 1st fraudulent incident and I needed a card to access what ever funds that was left on the card the hackers could not steal. 

Again on XX/XX/XXXX another incident where the hackers stole {$580.00} from an ATM at at a XXXX from a new NetSpend account. NetSpend is allowing the SCAMMERS and thieves to steal or access my money, leaving me once again financially destitute. It is all over the news and social media pertaining to scams at XXXX stores in different parts of the country. 

The most appalling part is that NetSpend is the customer service. NetSpend spend asked for XXXX business days for the results of the dispute. Here it is 10 Business days and NetSpend can not get an update about my hard earn funds. Icalled and spoke with so many people, just to be told they are awaiting from a response from their dispute team. I asked to speak with a representative from their dispute team to be told they do not have access to transfer to the dispute department or a Escalation Manager. WOW! I NEVER HAVE HAD SO MUCH HORRIBLE SERVICE. 

I want NetSpend to refund my money back asap. This is the only update I obtained by NetSpend. 

XXXX XXXX Subject : Dispute Claim Follow-up Status Update Account Number XXXX Claim Date : Fri XXXX XXXX XXXX XXXX XXXX Claim Number : XXXX Claim Amount : {$580.00} Dear Valued Customer, I understand that you would like to know the status of your claim. 

I have reviewed your account and our records show that we received your request on Fri XXXX XXXX XXXX XXXX XXXX. Your next update regarding the status of the dispute will be available on XX/XX/XXXX.
Product: Mortgage

Wells fargo fraudulently added payments to my mortgage without my knowledge. I know they have a suit against them for this.
Product: Credit reporting or other personal consumer reports

The following accounts below are in questioned : XXXX XXXX with account number XXXX Each bureau reports a different date of last activity I disputed with the collection agency and they said they don't have record of this account XXXX XXXX  with account number XXXX 3 different dates listed under " date of last activity '' Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 
The collection agency didnt send me anything to verify this account, so how did you verify it? 
Wheres the documentation? Unless you can furnish the signed documents that legally verify this account, it needs to be removed immediately. 
I need to see all paperwork associated with this account. 

XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Each bureau reports a different date of last activity Please send me all business and transaction documents to prove that this account was legally verified How can this still report on my credit when I notified you that it was paid and they said theyd remove it?

Unverified and illegal reporting, remove immediately My consumer rights, as outlined in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), explicitly state that transactions between me and the reporting entity should not be reflected in my consumer reports. Strangely, Experian, XXXX and XXXX seems to have overlooked this provision and is reporting information that should be excluded. This oversight amounts to a blatant violation of Metro2 compliance. I request immediate access to the Metro2 compliance disclosure pertaining to the reporting of transactions to consumer reporting agencies.

I am not interested in validations or verificationslet 's clear that up right away. My concern lies in the erroneous reporting of transactions, such as late payments, collection/charge-off status, and other derogatory details, which need to be expunged from my consumer reports without delay.

Adding to the complexity, some negative accounts have been categorized as Collection/Charge-Off Status without the courtesy of receiving IRS form 1099-C Cancellation of Debt. This is not only irregular but also a violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. 

Should this derogatory account information persist on my consumer reports beyond the next 30 days, I will be left with no choice but to submit an official filing with the Internal Revenue Service. My action will involve IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview against all entities involved. I trust you understand the urgency and gravity of rectifying this matter promptly.
Product: Credit reporting

I am XXXX years old. Eveytime I get my credit report, my mother 's name is listed as a XXXX name on it.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XX/XX/XXXX : number : XX/XX/XXXXXX/XX/year>
Product: Debt collection

I have been paying on this medical debt from XXXX for XXXX XXXX operations. 

XXXX turn the amount owed over to Professional Service Bureau XXXX MN XXXX, Phone XXXX 

PSB states they will keep calling even though i am making the monthly payments on time How can it stop this PSB not happy with the amount of payment
Product: Checking or savings account

Hello, My claim with Capital One was denied on XX/XX/XXXX because " The info we got from the merchant shows this is a valid transaction '' for a total of {$900.00}. I initially filed a claim months prior as I had returned 2 orders to XXXX but never received a refund for the orders. In the middle of my return process ( after the items had been shipped ), I received an email from XXXX stating they are closing my account due to duplicate accounts being found. However, the only reason I created a second XXXX account is because my prior account was linked to my student XXXX, which I no longer have access to as I have graduated. Upon calling XXXX numerous times, they were unable to process my refund or locate my package. 

Therefore, I filed a claim with Capital One to further investigate in XXXX of XXXX. Upon receiving the claim, XXXX reached out to me through email on XX/XX/XXXX, specifically requesting tracking for the package I had returned. Please see photo attached showing proof I provided the tracking label as requested. I never received a response from XXXX until XX/XX/XXXX, presumably as I called Capital One and asked to reinvestigate. As seen attached, I responded to XXXX with all necessary information, yet still did not receive a response, even though they stated someone would get back to me in the next 72 hours. I forwarded all this to Capital One, as told by the representative on the phone, on XX/XX/XXXX to XXXX. I received a response from Capital One on XX/XX/XXXX, stating my claim was denied again due to not providing necessary information, even though I did. 

I then called Capital One again on XX/XX/XXXX and resent the same email with all information regarding the case as they requested. They then said they would investigate. However, I once again was denied XX/XX/XXXX, stating " we didn't find any errors for this amount after checking the docs the merchant provided. '' Please assist as I been consistently providing information requested by both XXXX and Capital One, only to not only be ignored but ultimately denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion of XX/XX/2021 to removed XXXX XXXX XXXX my account it still has not been removed. Therefore, I am contacting you to resolve the issue of removing the account.
Product: Payday loan, title loan, or personal loan

XXXX I got the loan for the store after doing the application online. I was told and the paperwork stated no interest if paid off in 15 days. I was unsuccessful to get someone during the first 15 day time frame. A few weeks later after calling other locations - i spoke with someone. At that the point, the 15 day no fee period had passed. 
The original loan was for {$3000.00}, yet financed amount of {$3700.00}. This amount includes other fees. After several attempts to get a payoff amount after the 15 days had passed. A payoff check was mailed in the amount of {$3400.00}. I was called in XXXX stated I still owed over {$100.00}. I have not received any written communications about the additional monies due. I did receive a call after the company received the check asking for the balance. One of the representative mentioned- they are currently making sure the loans are originated for the holidays. Yet, I was not able to use the right to rescind clause. Additional to the interest - I paid over {$520.00} in insurance and other fees. I continue to call and get response for my calls or messages
Product: Credit reporting or other personal consumer reports

*** see attached*** I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNT REPORTING. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : LETTER TO REMOVE INACCURATE CREDIT INFORMATION To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are the items in error : ACIMA DIGITAL FKA SIMP XX/XX/2022 Balance : {$5300.00} Account Number : XXXX I am unaware of the above-listed account. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1 ). Defamation 2 ). Negligent Enablement of Identity Fraud 3 ). Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX along with an online public press release, including documentation of any potential small claims action. 

Thank you for your cooperation in this matter, XXXX XXXX
Product: Bank account or service

Original complaint case number XXXX. 
As I have explained in my response from Webster Bank I have given the information they requested five time - the last was to XXXX XXXX a supervisor with HSA Bank and the problem WAS NOT solved. I feel like Webster / HSA Bank can not solve the problem - this feels like how far can you lead a XXXX without a rope and I am the XXXX XXXX - Going through the same problem solving procedure five times with five different customer service people and still getting the same result of no access to my account DOES NOT SOLE THE PROBLEM. What do I do not???????
Product: Prepaid card

I attempted to use XXXX Gift Cards : ( XXXX ) XXXX ( 2 ) XXXX XXXX 3 XXXX XXXX valued at {$500.00}, {$500.00}, and {$42.00} remaining from a {$200.00} gift card at a XXXX on XXXX XXXX, 2016 ( Ref # 's XXXX ). All XXXX rang up as unauthorized. I was told it was a glitch in the system and that the money should have still been left on the cards. I then called the number on the back of the card and was told that the cards had been charged by XXXX when in reality they all XXXX came up as unauthorized and not used. I was told to fill out a form and wait XXXX to 90 days. I ca n't wait XXXX to 90 days to have {$1000.00} be placed back on the cards. This was not my fault and I would like immediate action in having this cards replaced or the money being placed back on them. These cards are backed by XXXX and distributed by Gift Card Mall/Blackhawk Network California
Product: Credit reporting

I just received a response to my dispute from Equifax and they are only telling me that they have previously " investigated '' the XXXX items tat are CLEARY outdated and INOCRRECTLY reproting to my credit repot and I have asked them to do the right thing and remove them already, as i have been arguing with them via phone and through letters for nearly a year now. They can not report XXXX and XXXX XXXX XXXX XXXX any longer because of the statue of limitation which has expired on both. They are also reporting very incorrect information within these accounts that are damaging my financial life. Please have them remove these XXXX account. They have NOT provided me any papers, proof or any legible reasons as to why and how they are still affectively reporting these illegal accounts to my credit report. I am not stupid and I am not naive, so they need to stop treating me that way. I can not allow this to continue, I am so tired of this.