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

I have requested my credit card statements from XXXX through XXXX, along with my credit card account number and I have not received them. My GM Rewards credit card switch from Capitol One to the XXXX XXXX XXXX credit card. And Capitol One did not turnover to XXXX XXXX XXXX all of my statements and I no longer have my Capitol One credit card number. Because of this merger, Capital One will not speak to me, but as a consumer I am legally entitled to my statements and my account number. Capitol One should deal directly with me.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning the late payments reported on my credit report. After reviewing my credit report, I have identified discrepancies in the reported late payments, and I am seeking your assistance in correcting or removing these inaccuracies promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I understand the importance of maintaining accurate credit information, and I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation that validates my claim and provides evidence of the incorrect reporting. I believe that with your expertise, we can rectify these discrepancies efficiently. However, if they are determined to be inaccurately reported, I request that you correct or remove them from my credit report immediately. 
Thank you for your prompt assistance in resolving this matter. I look forward to a positive
Product: Student loan

I have want to remove a co-signer from a private loan that I got through Sallie Mae to go to school and they have refused to do so. I followed THEIR guidelines for doing so by obtaining my degree and sending them a transcript, showing that I am financially able to pay the loan, and made XXXX non XXXX late payments as they requested after my disenrollment. I am not sure what else I am to do if they do not follow their own guidelines. I believe that they, Sallie Mae, for whatever reason are not following their own guidelines in reference to my account. I have no issue with continuing my agreement without my co-signer and I am unsure why Sallie Mae has not allowed me to remove the co-signer as the reason to have a cosigner is for that fact of being financially secure. Also on a side not they apply a {$10.00} charge to my account if I make my payments one or more days past the payment due date. For example the payment is due on the XXXX of every month, if I make a payment on the XXXX I incur the fee, which is fine as a business practice but I am unsure if because of that they are unable/unwilling to remove my cosigner. I have made no XXXX late payments to Sallie Mae and that is reflected in my credit reports as well. I seek to remove my co-signer because when my account does come due on the XXXX, they begin calling my co-signers home and work multiple time a day after he has asked them to stop, it places an undue hardship on my co-signer being on the loan. I understand that I must make an effort to make MY payments on or before the due date but also according to " standard late '' guidelines I am not late. As I said I am not 30, 90, or 120 late to Sallie Mae therefore I am unsure why they prey on my co-signer as they do. To reiterate the point I followed THEIR guidelines and would like my co-signer removed.
Product: Mortgage

XX/XX/2022 XXXX XXXX sent me information about a couple in XXXX XXXX FL. 
I have a lot of information on them now as this company screwed up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax repeatedly has sent me numerous items in the mail to the XXXX XXXX XXXX ( see attached ) that is incorrect and has been closed since XX/XX/2023! Instead of addressing the actual problems that I'm disputing they keep sending me the attached letter in an effort not to fix the problems and to stall as they always do. I'm refusing to respond to these types of requests now or ever. I dispute through the CFPB for this reason because this bureau is notorious for not doing its job!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am wirting to advise of debt collection that has been satifed and requested for pay of deletion. I was advised that I must forward any and all documents to credit bureau for removal. I advised by collection company that they may or may not send updates. I under this to be a direct violation of FDCPA requesting removal of account from I.C. System account number XXXX and credit bureua reporting number XXXX for the satified payment amount to close and delete from all credit reporting in the amount of {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address reporting on my credit profile. My address is XXXX XXXX XXXXXXXX XXXX pa  XXXXXXXX XXXX XXXXXXXX. All other address need to be removed immediately. These inaccurate address on my credit profile create identity theft risk and mail being delivered to wrong person.
Product: Checking or savings account

On XX/XX/XXXX, I transferred ( by way of XXXX XXXX, through Capital One 360 ) {$1100.00} to a XXXX  XXXX XXXX account. Within minutes, I received an email notification stating that the funds were sent and that the said funds would be available immediately by the receiver. They were never received. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX and advised of the problem, she advised it would be " researched ''. I received no response back from XXXX. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX, XXXX, and XXXX, in which they all insisted that the money was transferred and that they could do nothing, but that it was " being researched '' and to contact XXXX XXXX XXXX to have the funds released. By XX/XX/XXXX, the recipient still did not have the {$1100.00} in their account, had confirmed that their email address and cell phone # with XXXX XXXX XXXX ( how funds are transferred with the XXXX XXXX  XXXX  ) was correct, and that no funds had been received from Capital One 360 and no funds were on hold. I ( again ) called Capital One 360 ( XXXX ) and spoke with XXXX, whom again, could do nothing for me and advised that this was ( again ) " being researched ''. On XX/XX/XXXX, I received an email from an XXXX stating that " we are researching '' and yet still NO RESOLVE. By XX/XX/XXXX, I still had not received the funds back to my account and the recipient had not received the funds, so I called Capital One 360 ( XXXX ) and spoke with XXXX out of Delaware ( ID # XXXX ), who stated was " part of the management team ''. He was arrogant, dismissive, and provided zero assistance. He also stated that there was " NO CASE # assigned to my issue ''. I tried to file a " claim '' on my money, in which i was advised would take " more research ''. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX. Still NO RESOLVE AND NO MONEY BACK INTO MY ACCOUNT. It is now XX/XX/XXXX, and I have yet to hear back from the " management team '', have not received any additional emails of resolve and still do not have the funds back in my account. Please be advised that this is MY CHECKING ACCOUNT, not borrowed money, not a loan, but MY MONEY. CEO, XXXX XXXX needs to be THE person to contact me, advising me that the money WILL BE in my account today!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on 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, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 604 A States A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Credit Bureau is not blocking the information within 4 business days per FCRA 605B ( 15 U.S.C. 1681c-2 )
Product: Credit card

Whenever I make a payment, it takes them 4-6 days to process and by then something else has already come out. I've talked to customer service a few months ago and they were no help. I want them to stop calling I KNOW IM LATE BUT CALLING 10 TIMES A DAY EVERY SINGLE DAY WONT MAKE ME PAY ANY FASTER
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 XXXX USC XXXX. 

XXXX U.S.XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

I have a collection acct XXXX XXXX " XXXX '' reporting on Transunion this account was payed in full for deletion it was removed from XXXX, XXXX, Transunion then a few months later it reappeared on Transunion and XXXX. This account needs to be removed immediately.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
WAKEFIELD ( Original Creditor : XXXX XXXX XXXX XXXX  ), balance is {$1000.00}, and account # XXXX
Product: Credit card or prepaid card

I made a purchase online for some living room furniture from XXXX XXXX XX/XX/XXXX in the amount of XXXX. By XX/XX/XXXX I still hadn't received the furniture and requested a refund on XX/XX/XXXX. 

On XXXX/XXXX/XXXX I was given a delivery date the week of XX/XX/XXXX. 
XX/XX/XXXX my credit card with Chase Bank was charged {$2800.00} After several more requests for an update on XXXX/XXXX/XXXX I was given a delivery date of XX/XX/XXXX. 
On XX/XX/XXXX I was given a delivery date of week of XX/XX/XXXX I as informed on XX/XX/XXXX that the " authorization charge '' had been cleared, however Chase had billed me and I have paid the {$2800.00} which, so far, has not been refunded. 

On XX/XX/XXXX I opened a complaint with Chase and was told it would be looked into. I have provided extra information including all the promised and missed delivery dates, and the fact that I canceled my order and requested a refund. 

Today XXXX XX/XX/XXXX ) I received a letter dated XX/XX/XXXX from Chase to tell me my claim has been denied and that the disputed balance will show up on my next card statement, so now I'm going to be paying twice? 

I need for Chase Bank to refund the {$2800.00} that the merchant is refusing to refund.
Product: Checking or savings account

Hello I opened a bank account and was waiting for my debit card for M & T bank but I never received it and they also sent a pin with a separate mail I also never received it unfortunately so the has been 8 unauthorized transactions each for {$1000.00} that i was denied after I tried to dispute those are form XX/XX/23 to XX/XX/23 it says atm withdrawal
Product: Credit reporting or other personal consumer reports

I am disputing unvalidated late payments on my credit report. Despite my written dispute over XXXX  days ago, you have failed to respond or provide the required validation, which constitutes a direct violation of the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOME HOW THESE ACCOUNTS WAS OPEN IN MY NAME WHEN IT WAS TO BE OPEN IN MY SON NAME WE SHARE THE SAME NAME HE IS A JR AND I AM A SR I WISH TO HAVE THESE ACCOUNT REMOVE ASAP BECAUSE IT IS NOT ME.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My XXXX credit report showed that there was a hard credit inquiries on XX/XX/2018. However, I did not authorize any company to hard pull my credit in the last few month. 

The detailed information of this company is : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Thanks for helping me to resolve the issue. 

Best.
Product: Credit reporting or other personal consumer reports

I am disputing the charge- off balances reported by Navy Federal and XXXX XXXX on my credit report. These accounts were charged off on the following dates : Navy Federal - XX/XX/year> XXXX XXXX - XXXX have not been actively pursued for collection. Each creditor has failed to provide and issue a 1099-C - Cancellation of Debt Form indicating the debt has been forgiven and reported for tax purposes.

The absence of the 1099-C suggests that the balance is still being incorrectly reported as owed, despite the charge-off statuses. This is inaccurate and I am requesting that the creditors : ( 1 ) Provide Clarification regarding the status of the debt.

( 2 ) Issue a 1099-C if the debt has been forgiven, ( 3 ) Update my account on my credit report to reflect a {$0.00} balance if the debts are no longer owed.
Product: Credit reporting or other personal consumer reports

There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : XXXX XXXX XXXX Account Date : XX/XX/2020 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed there were several late payments and inaccurate payment history information, the accounts are XXXX, XXXX XXXX, AND XXXX XXXX. I hav never been late on my payments for those accounts. Please investigate and provide proof that those payments were late. If proof can't be provided I demand that these payments be updated to " PAID AS AGREED/NEVER LATE '' as they should due to the fact that I was never late. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are collections accounts and personal information on my credit report that are reporting inaccurately and need to be investigated. I have reached out to Experian and XXXX on multiple occasions through the mail and by phone, requesting them to investigate the accuracy of the accounts, and they have not responded or resolved the matter. To be exact, I've sent XXXX letters in the past 12 months asking for a verification of these accounts. I have not received a response email or letter from this credit bureau informing me that an investigation has occurred or a resolution. Please help me resolve this matter. I am exhausted by this company and highly disappointed in how they are ignoring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the public record of Bankruptcy XXXX  XXXX that is reported on my credit report. 

The address, name, social and date of birth affiliated with this public record is not accurate. 

My first dispute came back as verified but I was not given proof of how this was verified. 

The report shows that this information was provided by the US Federal Courts or US Bk Court ( which is not accurate ). 

I contacted the courts via phone and by certified mail, their response to me was that they can not and will not verify any information with anyone. Nor do they provide court documents or records with anyone, especially credit bureaus. 

Ultimately, this is a violation of the FCRA regulations and laws. 

1. ) Inaccurate Information Reporting for the supplier of information ( Courts ) however the ( Courts ) do not verify or provide information of court documents or records. 

2. ) The information of Person reported does not match my information : ADDRESS, DOB, NAME, SSN. 

XXXX. ) How is this being verified or provided when the supposed supplier of this information has confirmed that they do not and can not do such action?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card Company has been notified by certified mail that account was paid in full. Credit card Company continues to report to Credit Reporting Agencies that consumer has {$7900.00} " written-off '' and a " past due '' of {$65.00} as of XXXX XXXX. This is absolutely not true as a Bankruptcy Chapter XXXX Trustee paid the claim made by the Credit Card Company fully on XXXX XXXX XXXX. All previous claims have been settled, otherwise the Trustee could not discharge the Chapter XXXX Bankruptcy as of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

As per the Fair Credit Reporting Act, the credit bureaus must verify information with the original creditor and I have the right to an accurate credit report and any and all inaccuracy should be deleted. Transunion and XXXX have indicated that they have verified a bankruptcy with the original creditor which is the NJ Bankruptcy Court Reference number XXXX and Reference number XXXX however, I have attached several letters from the NJ Bankruptcy Court indicating that " they do not report or verify any information with the credit bureaus. This is a direct violation of the Fair Credit Reporting Act.
Product: Credit card

I had signed up for XXXX trial offer through capital one offers. I was granted XXXX miles for signing up. However this bonus was rescinded without explanation. I had fulfilled the original promotional terms so there should be no clawback of the bonus miles. I would like the miles to be reinstated. I have also reached out to capital one because several times the offers are not marked correctly and I do not earn the bonus miles. Their software is amateur at best and does not credit the consumer correctly. Their promotional terms listed are also confusing and not very clear.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified 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? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available 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. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number # XXXX Delete this account.