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

I have a capital one credit card. Capital One has been self serving. My interest has gone up to XXXX %. And I have a credit score over 700. I had set up auto pay for my account. I thought the auto pay would cover the minimum. Unfortunately, Capital One allows auto pay to be less than the minimum and I wasn't aware. My payment for XXXX drafted for less than the amount due. On top of sky high interest capital one charged me a {$40.00} dollar late fee. I did not know my payment drafted for less than the minimum amount due until I looked at the mobile app. I called capital one to explain that I was not aware the payment was drafted for less than the amount due. The agents were uncaring and did not offer to rebate the late fee. I've been a customer of capital one for many years. Why would they not be understanding and rebate the late fee? Especially when capital one is charging me sky high interest and I have a credit score that does not warrant this type of interest? 

Also capital one has told me different things in regard to credit reporting. I was told they don't report late to the credit bureaus unless a person is 30 days past due. Now tonight I spoke with an agent who said it's actually 30 days past the cycle date. So I'm confused on why the answers have shifted. 

I will be closing down this card once it is paid off. Capital one is self serving. 

I've decided to simply pay myself. And to leave credit alone. These cards are death traps. Capital one does not offer enough credit for anyone to really do anything with anyhow. They offer a few thousand and hit the person up with sky high interest and fees and it's not even worth it. For the paltry amount of the credit they have given me I might as well just keep an emergency fund. I understand I will take a hit to my credit when I shut down these cards because they are open trade lines but you know... to XXXX with with credit bureaus. If I have to be in debt to keep a good score I don't want a good score.
Product: Debt collection

I checked my credit report and realized this collection is wrong. This collection is not mine and I have no knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and Transunion are reporting an incorrect coding of the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This account needs to coded as an XXXX. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

Capital one XXXX card opened fraudulently in my name I have made a police report as well as ftc report and sent the company back their own notorized affidavit form.
Product: Credit reporting or other personal consumer reports

In regards to Nissan Motor Acceptance Corporation Account # : XXXX As to the credit reporting agencies XXXX XXXX XXXX XXXX and XXXX Per the FCRA I as a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal, and non-verbal per 15 USC 6802- 6805 Per The Privacy Act of 1974 And under 15 USC 1681 ; the report is inaccurate with blue highlighted dots showing inaccuracies and need for this account to be removed immediately
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be block and deleted. 

XXXX XXXX Company : XXXX XXXX XXXXXXXX XXXX Amount {$400.00} Company : XXXX XXXX XXXX XXXX XXXXXXXX {$140.00} Company : XXXX XXXX Amount {$180.00} Company : XXXX XXXX XXXX XXXX Amount {$180.00}
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, XXXX XXXX XXXX credit report. XXXX XXXX Open date : XX/XX/XXXX. XXXX XXXX date : XX/XX/XXXX. XXXX XXXX date : XX/XX/XXXX. XXXX XXXX XXXX  Open date : XX/XX/XXXX. XXXX XXXX XXXX Open date : XX/XX/XXXX XXXXXXXX XXXX  Open date : XX/XX/XXXX.
Product: Checking or savings account

There is a recurring ACH debit on my Chase checking account to a XXXX XXXX account. 

{$4000.00} every month on the XXXX of the month In order to cancel this Chase wants to charge a {$30.00} fee. To push a button. This is egregious
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureau agencies, and they have failed to comply with my investigation request. They will remove an item and re-insert it without providing me with any proof of verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX or XXXX XXXX I request the fraudulent alert or extended fraudulent alert to be removed from my credit report and send me proof yall remove it my ssn is XXXX etc.
Product: Credit reporting or other personal consumer reports

Could you remove these inquiries? I don't know anything about this, and the company did it without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although this dated collection from XX/XX/XXXX is not mine I have had difficulty getting it removed. 

As an attempt to settle the matter I sent an settlement offer letter directly to NCC BUSINESS SERVICES INC. on XX/XX/XXXX. 

The 30 day allowed to time for the company to respond has long passed. 

( Letter and Certified mail receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Card services have two hard inquires on my credit report that were NOT made by me or with my consent. I am want these inquiries removed from my all three credit reporting agencies. They will need to submit a deletion letter to me so I can notify the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now XXXX XXXX XXXX and they are falsely reporting the amount and dates. It states I opened the account in XXXX. I never applied or signed a promissory note for any loan in XXXX. I tried calling the number on the report but it's out of order. 

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.
Product: Credit reporting or other personal consumer reports

Im reaching out to ask for some updates to my personal information in your records. I want to make sure everything is current and correct for any future communications. 

Here are the changes : 1. Name : My name should be listed as XXXX XXXX XXXX. 
2. Employment : My correct employer is XXXX XXXX ( please remove XXXX XXXX from my records ). 
3. Address : My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Please remove any other previous addresses on file, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. 

Ive attached copies of documents to confirm these updates. Please let me know when youve made the changes or if you need any additional information from me. 

Thanks for helping me get this sorted out. 

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

Hello. I am in the process of purchasing my first house and I am a victim of Identity theft. I have fraudulent accounts on my credit report that I request be removed. I have filed a complaint with the FTC and have the identity theft report which I will attach.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information have been used without my consent. Inquirys and collections on my credit report is fraudulent.
Product: Credit reporting

please find attached the documents for disputing inquiries i never authorized, and also XXXX XXXX account that i never had delinquency, and never late payments, please have these inquiries removed from my credit file. and the late payment which is a very disturbing negative on my credit file removed. 
thank you
Product: Debt collection

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, FL, XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Date : [ XX/XX/2024 ] Subject : Formal Complaint Against [ Midland Credit Management ] Dear Sir/Madam, I am writing to file a formal complaint against [ Collection Agency Name ] for multiple violations of my consumer rights. Below are the specific issues : Failure to Provide Debt Validation : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector must provide validation information upon request. [ Collection Agency Name ] has not provided this validation information, yet they have placed a collection account on my consumer report.

Infringement of Dispute Rights : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to dispute the account. However, I have not been given an opportunity to dispute the account before it was reported to the credit bureaus.

False and Misleading Practices : [ Collection Agency Name ] is violating my rights by using false, misleading, and deceptive means to collect the alleged debt. They have failed to provide necessary disclosures and are in clear violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( A ).

Unauthorized Credit Inquiry : [ Collection Agency Name ] conducted a soft inquiry on my credit report without my permission. They have not provided any permissible purpose for this inquiry, which constitutes a violation of the Fair Credit Reporting Act. 

In light of these violations, I am disputing any and all debts claimed by [ Collection Agency Name ]. I am also revoking all rights for them to communicate with me via email, text, or telephone.

I am requesting the following actions : Validation of Debt : Provide proof of debt validation, including the original creditors agreement and the purchase agreement between [ Collection Agency Name ] and the original creditor.

Licensing and Bonding Proof : Provide proof that [ Collection Agency Name ] is properly licensed and bonded as required by law. 
Explanation for Credit Inquiry : Explain the purpose of the soft inquiry performed on my credit report and provide evidence of permissible purpose.

Given these violations, I also request that this collection account be removed from my consumer report.

I appreciate your prompt attention to this matter and look forward to your response detailing the resolution of these issues. Please let me know if additional information or documentation is required.

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

After receiving and activating a card on XX/XX/2020 for {$200.00}, two fraudulent purchases were made, one via XXXX for {$11.00} and the other via XXXX XXXX for {$150.00} on XX/XX/XXXX and XX/XX/XXXX, respectively. I called the card issuer on XX/XX/XXXX during which I was told I would need to get in contact with the merchants as there was nothing they could do to recuperate my funds. After getting in touch with XXXX XXXX on XX/XX/XXXX I was sent an email to reach out to the financial institution and file a police report. After going to the police department on XX/XX/XXXX I was told they needed proof from the card company that these purchases were fraudulent. After following up with the card company and speaking with a supervisor on XX/XX/XXXX, I was told no action could be taken.
Product: Vehicle loan or lease

I leased a new XXXX XXXX XXXX at the end of XXXX. I have tried several times to contact Toyota about a particular issue I am having with the multimedia panel in the dashboard. It is very difficult as a paying customer to find contact information on the Toyota website, and their customer service people have not been helpful. This panel is tied to a a phone application that Toyota just about insists that customers download so that the panel, and other helpful maintenance information, can be accessed by connecting the app to it. However, the app is probably close to one of the lowest scored in the XXXX XXXX XXXX ( XXXX out of XXXX rating ) because of many issues customers are experiencing with it. Customers who have downloaded this app have filled the XXXX XXXX site with comments about how bad it is to use. I refuse to download such a poorly developed app on my phone because of these issues, and because of the probability of it being a security risk. 

Without the app, I can not create a " profile '' for myself in the car 's multimedia panel. It means that every single time I start the vehicle, there are FOUR screens I need to cancel out of before I can actually interact with it or turn it off completely. 

The panel also sits very high on the dashboard and is too bright to keep the display on, especially at night, so I need to punch through another three screens to turn the display off. I basically can not use a very important function of this car. The entire setup is distracting and awful. It is very difficult to contact Toyota and get any issues resolved.

I called the dealership to complain about this panel and was assured by a service person that I could create a profile that will bypass these four screens, without the app. Well, they were wrong also. THERE IS NO WAY to fully interact with this multimedia panel with the XXXX phone app Toyota wants me to download. I should not have to compromise the security of my phone in order to use this functionality within the vehicle. 

Toyota also pushes third party companies on customers to receive important information about the car they purchased. I am not going to subscribe to XXXX, or any other party or application to get important maintenance information about my car. 

I used to consider Toyota a top-notch company but this experience has made me regret the thousands of dollars in down payment, and the thousands more I will have to pay for the lease, and this is just four months after purchasing the car.
Product: Credit card or prepaid card

I was ar home depot. As I checked out and was ready to use my bank card the teller asked me if I had a home depot card. I replied no. She told me if I signed up for a card I would get a 15 percent discount on my purchase. I hesitated and asked how long it would take? She said one minute. All i needed to do is write my name address and phone number. I wrote the info down along with my XXXX XXXX address. She said your all set. You will be getting your card in 10 to 15 days. I then went to swipe my card and she said not to pay until i receive my bill. I thought about it as it was only XXXX dollars or so. But i was glad i got the 15 percent discount. So i walked out the door. This was in late XXXX. I saw no bill in ten to fifteen days. Forgot about it. Finally got a bill in late XXXX or early XXXX. It. Had no Home Depot card and came with a XXXX dollar late fee. After several phone calls, prompts and getting nowhere I talked to a real person, whom I told that this was the first bill I had gotten. They were rude and acted like I was lying. I was so fed up I hung up the phone. Didn't no what to do or who to call. I thought I was being scammed. Making several more calls I realized I was dealing with Citi bank. At this time after many phone calls, being on hold for hours, I talked to a woman who gave me the home depot number. Talked to a supervisor who looked up my account info and said that they sent it to an address in New York that I hadn't lived at in ten years. Not once but the bill was sent there twice. I had a home depot card, but threw it out ten year ago. He understood the problem and I said would pay the bill for my purchase. No. Late fees. He said fine and sent me that bill which I received a few days later and payed.XXXX. Dollars. I was so stressed out that l swore never to shop at home depot again. One month later I got another letter from home depot. Thought it was my card that I planned to cut up. Inside no card with another bill saying thanks for my XXXX payment but now i owed XXXX with fees and interest. I nearly lost it. On the phone again with some girl, told her the whole story, she finally said she would get a supervisor on the line. This was Citi bank by the way. Finally after being on hold for ten minutes he was on the phone. He sounded like he was XXXX years old. I told him the whole story and about talking to home depot man. He told me like he was doing me a favor, that he would nock off one late fee. Before l lost it l hung up the phone..l know owe XXXX dollars interest and late fees and paid for my purchase when sent the bill. I'm all stressed out, my credit will suffer, I talked to a lawyer, he said we would win but lawyer fees would be more than I owe. He told me to call the attorney general. I did and she gave me this web site. These loanshark credit card companies are doing well during the pandemic. Thank you for anything you can do. Will supply documents if necessary.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my transition, XXXX and Experian credit report, and it showed in accurate unauthorized inquiries from the companies list below, that I did not authorize they do not belong to me,, I understand that under the fcra section 604 a can not put a hard inquiry on my credit report authorization without my written authorization or consent I wrote changing XXXX and Experian XXXX XXXX and requested for them to remove These in accurate heart inquiries more than 30 days ago and have not received any response or relief. HARD FROM XXXX XXXX, XXXX XXXX XXXX XXXX, Unauthorized inquiries from experience, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, hard on authorize increase from XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I have written this company twice asking for debt and they have not shown me anything verifying that I owe them. They sent me an invoice with a totally different company name saying that this was proof. The invoice that they provided is not accurate because I have never had an account with   XXXX   XXXX   XXXX   but they are trying to collect for   XXXX   XXXX  . The account is well over 10 years old and they are still trying to collect on it. Cavalry Portfolio just purchased this account from another collection agency.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress.
Product: Credit reporting or other personal consumer reports

TransUnion will not let me access the fraud service center where I could actually REMOVE the fraud alert they won't take off my credit. As soon as I get to the page where you tap " remove fraud alert '' it suddenly stops loading with a " we were unable to process your request '' page. I even was live chatting with customer support to no avail either they just told me to clear my cookies and cache instead of simply removing the alert like I asked
Product: Credit reporting or other personal consumer reports

Affirm left a negative impact on my credit through the credit bureaus. They didnt call me after the due date and they didnt email me. I checked my credit and found out that they put a negative impact on my credit and in the state of Oklahoma thats illegal. In the state of Oklahoma they have to take me to court before they can touch my credit.
Product: Debt collection

I am disputing this account because I do not recognize it and I previously filed a report with the FTC for identity theft, I received a letter saying that I had until XX/XX/2023 to contact you regarding this account that otherwise you would assume that this account belongs to me. here I communicate with you using my rights as a consumer. 

XXXX XXXX XXXX, XXXX. 
{$11000.00} This account is being disputed