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

Capital One Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX To whom this may concern, This letter is in reply to your recent Investigation Results from XXXX, file # XXXX. Where the Account Investigations are simply incomparable for account # XXXX. Where Capital One Bank has reported information that is significantly different from its previous status. Where XXXX  states : We investigated this item, verified that it belongs to you, and updated : Balance ; Date Updated ; Last Payment Made ; Past Due ; Remarks ; Rating. 

Simply stated, XXXX  is an independent business enterprise and has no control over Capital One Banks files or records. Meaning, they can not update any information that is not provided to them by Capital One Bank. 

I call your attention to the FCRA where it reads in Section 609. Disclosures to consumers [ 15 USC 1651f ] ; ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.

In addition, the National Consumer Law Center describes in : Fair Credit Reporting, 6th Edition : 4.2.1 ; The concept of accuracy is an objective one 57. A consumer report either is or is not accurate. If it is accurate when prepared a certain way, it will always be accurate when prepared that same way. ( 57 Cushman v. Trans Uion Corp., 115 F.3d 220, 225 ( 3d Cir. 1995 ) ( defining accuracy under the FCRA in an objective manor ). 

If the account information was sold to my Mortgage Lender on XX/XX/XXXX representing one set of information as, Accurate. It can not then be legally updated without demonstration while continuing to claim both reportings are then, Accurate. Therefore, here I require Capital One Bank to demonstrate the file sold to XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX XXXX, ( see copy provided ). Then I require you to also demonstrate the updated files later provided to XXXX. Today I, the consumer, am left to guess at which set of information is in deed Accurate, Complete and Not Misleading. While Federal Law does not require me, the consumer, to be satisfied with what XXXX  may choose or decide to report. As Capital One Bank is a Subscriber to and enjoys a business relationship with XXXX. Giving the appearance of a distinct conflict of interest.

I will wait no more than 20 physical days for you to reply to these requirements. If you fail I will then pursue all other means necessary and available to me to pursue XXXX XXXX  on the assumption of Inaccuracy. 

Regards, CC : CFPB FTC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that my utilization rate is being reported on my Barclays account. Utilization rate is categorized as an " experience '' I have with that company so reporting it publicly to XXXX, XXXX and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) ( a ) ( i )
Product: Credit card

I had XXXX XXXX Costco card from XXXX until XXXX XXXX XXXX, all these time my payment was on autopay and made all the payments on time without fail. Costco informed me that XXXX XXXX XXXX onwards XXXX will be the official credit card of Costco and XXXX wo n't work after XXXX XXXX XXXX. On XXXX XXXX XXXX my XXXX stopped working and I started using XXXX for Costco purchases. On XXXX XXXX XXXX Citi bank sent me a statement which also includes the purchase I made using XXXX card with an interest due amount of {$34.00}. Since I had XXXX on autopay I was not worried about paying XXXX manually. Also, being used Citi for only 17 days I was not expecting any late payment issues. 

So here my question is why Citi bank charge for the interest? There is no right for citi to charge me any interest.
Product: Debt collection

I have no legal binding accounts with this company. Had no information with this company or accounts
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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: Credit reporting or other personal consumer reports

I received a letter from my student loan servicer on XX/XX/2023 stating that my student loan had been forgiven by the Department of Education. I was told that this change would be reported to all 3 credit agencies and that I should see the change on my credit reports in a month. After XXXX weeks, only XXXX reflected the change, so I filed a dispute requests with both Experian and XXXX in XXXX, providing the letter which very clearly states that my loan has been forgiven. Both companies responded in only a few days, each with dense, impenetrable multipage reports that essentially told me I was wrong!
Product: Checking or savings account

Check Fraud I sent in a check in the amount of {$2400.00} to the XXXX XXXX XXXX XXXX to pay my building 's quarterly property tax. This was sent by USPS and I directly handed the letter to the person at the local post office. I mailed this on XX/XX/year>. Later on in XXXX I got a bill statement from XXXX XXXX. of XXXX saying that I owed them for the previous quarter in addition to the current quarter. I looked at my bank statement and saw that someone had altered the check payee name and deposited the check. I went to a local branch of my bank ( Citizen 's Bank ) and they investigated the matter but refused to reimburse me for the fraud, saying that I did not report the matter within 30 days of its occurrence. I called the bank again to explain that I only receive a bill from the government every 3 months, so I didn't know that anything untoward had happened until 3 months later, but they refused to review it again. So I am hoping that you can help me to get reimbursed for something for which I am not at fault. Thank you. 

I have enclosed a copy of my property bill statement from XXXX and my property bill statement from XXXX. I also made copies of the altered check ( front and back ). Finally I enclosed a copy of the response from Citizen 's Financial.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Wells Fargo Bank regarding Account # XXXX for ongoing violations of the Fair Credit Reporting Act ( FCRA ). These violations have caused significant harm to my financial health, XXXX XXXX, and overall well-being. 

Despite my good-faith efforts to resolve this issue, Wells Fargo has repeatedly reported inaccurate, unverifiable, and erroneous information regarding this account on my credit report. Over the course of several months, I submitted six formal dispute letters outlining the specific inaccuracies and missing data points. In response, Wells Fargo has failed to provide any proof of claim or the documentation required under the FCRA to validate the reported information. 

As required by the FCRA, furnishers like Wells Fargo must conduct a reasonable investigation of disputed information. If they can not verify the accuracy of the information, they are legally required to correct or delete it from the consumers credit report. Instead, Wells Fargo has continued to report this inaccurate information, demonstrating clear noncompliance with federal consumer protection laws. 

This misconduct has had a severe impact on my financial well-being. It has led to a lower XXXX XXXX, increased borrowing costs, and limited access to fair credit opportunities. Furthermore, my personal and professional reputation has been negatively affected. It is clear that Wells Fargo has failed in its legal duty to investigate and correct this information, and I believe this is part of a broader pattern of noncompliance by Wells Fargo that affects multiple consumers.
Product: Credit reporting or other personal consumer reports

I tried on several occasions to update my phone number with Experian so that I can retrieve my credit report and score via www.experian.com, unfortunately, Experian has prevented me from updating my phone number to go through their Identity Verification process. This is also stopping me from retrieving my Experian credit report and score via XXXX. Each time that I call Experian at ( XXXX ) XXXX or ( XXXX ) XXXX during their business hours, there's no live agent to speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for Equifax to investigate two inquiries one from Equifax Mortgages and another from XXXX XXXX. The have refused to do so even after I have told them that the injuries are fraudulent.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the Wells Fargo XXXX XXXX card. 
After submitting my information, i received a message informing me that my application was pending. 
on XX/XX/XXXX, I received a letter from Wells Fargo. This letter stated that my application was declined. 
the reasons were : Too little time has passed since cards were opened. 
I have an account which was opened in XX/XX/XXXX, and an account which was opened in XX/XX/XXXX. Why is that not considered enough time? 
Percent of credit cards opened in the last six months : I opened an account in late XX/XX/XXXX, and one in early XX/XX/XXXX. Why is that a problem? 
Not enough credit cards, retail cards, or credit lines paid as agreed on your credit file. Since opening my first account in XX/XX/XXXX, I have a 100 % on-time payment history. I can not see any way to improve this percentage.
Product: Consumer Loan

had late payment for capital one auto loan reported to credit bureau post la flood by capital one. my house flooded and was displaced. Per the federal disaster area, should not have been reported to credit bureau for time frame. asked to have it deleted, capital one would not.
Product: Credit card or prepaid card

Neiman Marcus credit card, which I have had for more than 40 years, charged me for merchandise I did not receive. They charged for {$310.00} of items that they say were delivered by XXXX XXXX. These items never arrived. I spent more than an hour on the phone with NM, and they agreed to refund. But they did not do it. The items are still on my statement. NM has become very corrupt, with the apparent help of XXXX XXXX driver ( s ). This is outrageous. I will not pay for items never received. Order # XXXX. I only received one items from the order ( jeans ) and even that box was ripped open. I will not pay for items never received. I will pay for the jeans ( {$100.00} ) but nothing else. Unfortunately, they have turned over their credit card to Capitol One to manage, and they are notorious for being non-responsive to complaints or problems. I have tried to resolve this with NM, but {$310.00} of merchandise that was never received is still on my bill.
Product: Debt collection

I advised on XX/XX/XXXX that i will try to make a payment on XX/XX/XXXX. I explained that im not working full time due to XXXX. I Rcvd at least 2 or 3 calls each day since XX/XX/XXXX. I received text messages and voicemails stating i will be sued. I received a phone call at work on XX/XX/XXXX from B & R Finance which my employer advised that i can not accept personal phone calls. I received a phone call at work again after advising that i can not accept personal calls. I dont want my job at risk.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Mortgage

Hello I am following up on a complaint I submitted last year. 

The complaint number is : XXXX The complaint is filed closed but I am not exactly sure what happened with this case. I never received another call from the company trying to secure payments and I filed a complaint with the Dept of Savings and Mortgage Lending in the State of Texas and the company is not registered to do business in the State of Texas so I am wondering if anything has happened to the company and if charges have been pressed and what the end result of this lien is on my house. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed 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 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: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX  XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I have a Capital One Credit Card with a limit of {$300.00}. After I lost my job in 2009 it became seriously delinquent. I continued to pay when I could and on a couple of occasions, they made an offer that if I paid the over-limit, they would consider the card current. At some point in time, and continuing after the balance was under the credit limit, they restricted the account. I called and was told that even when the account was paid off, they would not lift the restriction. I made the final payment on XXXX and on XXXX they charged a {$3.00} monthly fee with a XXXX minimum interest. I called and was again told that they would not lift the restriction and that I could keep paying the fee, or close the card. I told them that I felt like I was being blackmailed ( extorted would have been a better word ) because if I close the card it will have a negative impact on my credit rating but I am not willing to pay a " membership '' fee, and interest on said fee, if there was no value in it for me, such as a {$300.00} credit limit. Further, I was recently approved for a secured card with Capital One so I made the suggestion that they secure this one and keep it open. They " looked into it '' while I remained on hold and came back and told me there was nothing they could do about it. It sounds like it would have to be illegal for them to charge a fee and not provide a service, i.e. a credit line. They said they would not close the account but I was not allowed to use it. I find this absurd. My XXXX choices, after a long period of trying to recover my credit score, are a ) close the account myself and jeopardize my credit, or b ) pay {$3.00} per month for NOTHING!!!!! Please help. Also, under the " Have you lost money '' section below, I will either lose the ridiculous non-membership ( extortion ) fee each month, or lose A LOT of money by paying higher interest on the car I will be buying in about 6 months.
Product: Student loan

tuition options had sold my debt collection to a third party without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Law offices XXXX placed a medical debt on my report, i sent a certified letter requesting full validation of debt which i havent received. As well as the debt to be validated before reporting on my credit report which they are reporting to all 3 bureaus with out my consent or validation of debt as requested.
Product: Student loan

I am having a hard time repaying my student loans. We just bought a house and times are tough. I tried refinancing but that did not really bring it down, it is crazy. It is through Earnest. I pay around {$950.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$26000.00}
Product: Student loan

I spoke with a representative at TSLHS XXXX : XXXX and requested information on the XXXX XXXX XXXX program for repayment options. The rep explained he could review my info and suggest whether I would qualify and send paperwork for the fee equal to one student loan payment ( {$640.00} ). They sent the paperwork. I completed and filed with Department of Education. They then informed me that all their paperwork and services are 100 % free and that I had paid a 3rd Party who is not in any way affiliated or authorized on their behalf to distribute paperwork to send me free documents. 
I called TSLHS to request a detailed explanation and refund based on ethics and a lack of verbal communication of this info and was denied. They simply routed me back to their website which explains things in detail. However, I was not explained this on our call and it is unethical to fall back on disclaimers posted on a site when the contact was via live call. 
The rep at TSLHS created such a sense of urgency within our call that when I asked if I could mull over the offer ( sending me paperwork via mail for {$640.00} ) and do a little research, he indicated to me that I should rush on my actions because once XXXX became president the Forgiveness Plan ( XXXX XXXX XXXX ) may no longer be available. So I completed the paperwork on the call. 
I am disheartened that a company would take advantage of people like myself who are only seeking to pay their student loans. It is assumed ( generally speaking ) that loan details are confusing for many and they prey on that fact. If at any time he would have explained that I could download forms on my own or directed me to the disclaimer on that call, I never would have spent my rent money on their " service ''.
Product: Credit card

I have my XXXX credit bureaus account frozen because of stolen data in the past. Someone just tried to open an account from Kohls. How do I protect myself from such? See photo of that Kohls replied to me. They did the right thing and checked my credit with the bureaus, but next one may not do that and I will have to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX. : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Greetings, Hope all is well. My name is XXXX XXXX I maintain a checking account with TD bank and I just noticed that an overdraft fee of {$35.00} was assessed to my account. I am truly confused because money was in the account. I tried calling but was on hold for over a hour. Can someone please help me resolve this error. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint in response to a notification on my credit report. The account XXXX  XXXX XXXX Balance Owed : {$0.00} reported was inaccurate and erroneous and is leading to negative impacts on my credit file. I am including proof that the account on the credit report is incorrect.The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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
Product: Debt collection

In 2013 I was hospitalized on an emergency basis. When I was admitted, I signed XXXX financial responsibility document. I was uninsured and my hospital expenses exceeded {$100000.00}, and reflected on XXXX BILL, and assigned XXXX ACCOUNT NUMBER. 

The hospital assigned the debt to CALIFORNIA BUSINESS BUREAU, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Rather than report XXXX debt to the credit reporting agencies, CALIFORNIA BUSINESS BUREAU has listed the debt FOUR times as XXXX SEPARATE ACCOUNTS with XXXX, FOURTEEN TIMES as XXXX SEPARATE ACCOUNTS with XXXX, and EIGHTEEN times as XXXX SEPARATE ACCOUNTS with XXXX. 

There is and was only XXXX ACCOUNT with the original creditor. 

CALIFORNIA BUSINESS BUREAU is falsely and fraudulently reporting XXXX debt as several as an intentional act to damage my credit report.