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

Financial hardship started XX/XX/2019. 

When it became clear I couldn't make the payments on my credit card, I called Capital One starting XX/XX/2019. 

Since that time I have had to let my account go 60 days past due due to reduced income. 

I have been trying consistently with Capital One to enter into a hardship program, and I continually get denied. 

I was able to successfully enroll another Capital One card in a hardship program two weeks ago.

1. Capital One is not willing to offer assistance.

2. They operate under a false veil of help, with a payment option located on the website, leading a consumer to believe their is help available.

3. When you click the button and go through the process, you see this is not long-term help, but rather a 2-payment option to split the arrears to bring the account current.

4. The payment in that option would exceed my prior monthly payment by 3X the amount, creating a new monthly minimum 3x the amount I could pay prior.

5. I called Capital One, and was able to enroll my business card  into a hardship program in XXXX, and at that time tried to enroll personal card on a separate phone call the same day. 

6. My request to enroll my personal card was denied again.

7. After reaching the CFPB, I heard from an Executive Assistant as the Corporate Office named XXXX. She had someone from Capital One accounts call me. 

8. On XX/XX/2019, I received a voice mail from XXXX, to return her call at XXXX. She stated she was a Senior Manager. 

9. I called back and was not able to reach XXXX, and was told that any manager could help me.

10. I spoke to XXXX, Agent ID XXXX, who asked me questions to determine hardship program eligibility and again I was denied to enter into a program on my {$2700.00} balance. 

11. XXXX offered me instead a settle for {$1900.00}, which would not only increase my monthly payments, and create more of a hardship, but would also cause job loss due to the effect of not honoring an obligation. 

12. The precedence for offering assistance has already been established by Capital One, as I was offered assistance by the business team for a Hardship Program, but the are purposely and willingly excluding me access from a hardship program.

13. Capital One is intentionally keeping me from paying my bill.

14. By not entering me into a Hardship Program with my original requests, starting in XXXX, Capital One continues to exploit the situation through the accruing of late fees, penalties, and higher interest rates 15. By refusing to offer assistance, Capital One is knowingly exacerbating the situation.

16. I am requesting this matter to be investigated, and to seek the highest authorities at Capital One to investigate as to why I am not able to get into a Hardship Program.

17. Why was I able to get into a hardship program 10 days ago with another Capital One Card, with identical situation?

18. I am seeking resolution of a 0 % 60-month payoff program at {$50.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I submitted a CFPB report for Experian because they are listing inquires on my credit report. In the CFPB response they stated that the inquires that I am disputing aren't on my credit file, in which they are lying. I believe this is a prewritten response they did not even look at my credit report. I submitted evidence of the proof in the attachments. They also never responded to any of my letters I have sent them and I know they received them because I put a certified tracking on them via USPS. I have contacted all of the creditors that are on my credit report and not XXXX of them could provide me with a document of any credit application with my signature on it. I asked the same for Experian who keeps ignoring my request. I believe they are lying to keep this inaccurate information on my credit report. I am going to put each inquire along with the dates in this complaint and I am going to provide proof that i tried to handle this with the company. 

The inquires that Experian stated that was not on my credit file in the last CFPB complaint : 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

Experian closes out the day by notification of another LIE because you can never view the results it's a ploy to get you to call there non English speaking customer service reps to show they engaged but there is ABSOLUTELY NOTHING THESE PEOPLE CAN DO FOR YOU, SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

Kohl 's keeps sending me emails requesting payment of {$290.00} for a Kohls credit card. 
I have called Kohls 3 times and told them I dont have a Kohls credit card. This could be a case of identity theft.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XX/XX/XXXX XXXX Fair Debt Collection Practices Act : XXXX : XX/XX/XXXXOn these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : FIFTH THIRD BANK NA XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

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

During the months of XXXX XXXX- XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX ***XXXX XXXX XXXX Finance ***XXXX  XXXX XXXX XXXX ***XXXX  I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding the remaining hard inquiries on my Experian credit report that are not associated with me and were reported without my written authorization, specifically the inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I already disputed these last month, but the inquiries remain on my report. I request the immediate deletion of these disputed hard inquiries. Reporting these inquiries without my consent violates the permissible purpose requirement under 15 U.S.C. 1681b, which mandates that credit inquiries must have proper authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification documents including the original signed agreement, date the account was open/closed, and details of the charges including interest and the dates of the charges. I have not received any verification documents pertaining to this account showing on my credit report. Also In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

My TransUnion credit report indicates a hard inquiry for XXXX on XXXX/XXXX/15. I did not apply to XXXX for credit. How can I resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXXXXXX XXXX. Please remove.
Product: Credit reporting or other personal consumer reports

Today XX/XX/year>, I have been attempting to log into my free membership service account with Transunion to view my credit report. I entered the right information into login the, but the account continuously pops up to say that I failed the verification process. I need to review my consumer report, and this is inconvenient to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a XXXX! XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.I DEMAND YOU REMOVE the following information from my consumer reports immediately ; Navy Federal XXXX XXXX opened XX/XX/XXXX for {$1100.00}, Navy Federal XXXX XXXX opened XX/XX/XXXX for {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED A LOT OF FRAUDULENT ACCOUNTS IN MY NAME. I AM TRYING TO KEEP MY CREDIT TOGTHER AND I HAVE TO DEAL WITH THIS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM. SOMEONE HAS EVEN APPLIED FOR CREDIT IN MY NAME WITHOUT MY CONSENT. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX XXXX A XXXX XXXX, XXXX Investigation Request Letter Date of Birth : XX/XX/1997 SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want those accounts deleted because they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation.

Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller and others who furnish third party disputes free of charge, etc. Please investigate the following accounts and remove them for not authorizing my personal information to be verified.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX Account Number : XXXX Action Requested : Cancel Contract. Please provide the original contract or delete. Victim of Identity Theft. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 instuctions.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file. I want the investigation outcome to be sent to my address I put on the from area. 


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

On XX/XX/2020 I Dispute this account to XXXX, transunion, and XXXX that this account dont not belong to me and I have no idea what what is this account. 

However the credit bureaus said the they have completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to and How did they complete this investigation.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

to Coinbase 's negligence, my account was stolen as follows. It was stolen on Friday, XX/XX/year>2024 at XXXX. I reported it at around XXXX PM on Monday, the XXXX, after the weekend, and I have tried to respond several times, but I have not received any response. The reason is that Coinbase took a commission of XXXX and is trying to blame it on me. It is so unfair. I only deposited money and have never withdrawn it. It is so unfair. Please help me solve this problem. Thank you. 

This is an email from Coinbase. I have already included the contents. 
How are you? 
Why is there no answer yet? Even if a fraudster stole my password, your company needs to verify my phone number when logging in, and he needs to have a fingerprint on my device. How can the security system be so negligent that he can steal money from my account? And I submitted the report within XXXX hours of the business working day. A fraudster stole it at XXXX on Friday and I reported it at XXXX the following Monday. XXXX hours before working day. We look forward to your quick reply. 
Thanks. 

Hello, this is XXXX XXXX. 
On XX/XX/XXXX ( Friday ) at XXXX, a scammer withdrew {$6700.00} from my account and took XXXX as commission from Coinbase. I reported this to security @ coinbase.com on the afternoon of XX/XX/XXXX ( Monday ) have not heard back yet. I reported within XXXX of working day and I have never sold any coin so far. 
If you don't solve this problem, I will file formal complaints with XXXX, XXXX, and XXXX. Please see below. 
Thank you. 

Sincerely, XXXX XXXX XXXX, My name is XXXX XXXX My email address is XXXX Phone # is XXXX Address : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX what happens to my account? 
Someone stole my Bitcoin I never sold my Bitcoin and got the money. 
I have got an email like this. 
Coinbase Order filled Your Market order to sell XXXX XXXX was filled. 
Date of last fill XXXX2024 Time of last fill XXXX XXXX XXXX XXXX Type Market sell Amount XXXX XXXX Price {$67000.00} Subtotal {$6700.00} Fee {$81.00} Total {$6600.00} Order ID XXXX Please solve this matter. 

Thank you. 

XXXX XXXX
Product: Checking or savings account

I have been a member of chase for a long time and this year alone they have taken over {$1800.00} in overdraft fees from my account. Recently I have changed my options for overdraft protection since I didn't want my bank to continuously go negative but payments are still being processed when funds are negative and im still being charged a fee for each item charged. I have also noticed my bank rearranges the way I spend so they can charge me more in overdraft fees. Just this month alone chase has taken {$230.00} in insufficient funds. In addition to the rearrangements, their site states I can deposit money before XXXX so I deposit the money to prevent more fees and whenever I am already negative they delay the deposit process to get the fees. The most recent occasion has been these past few days from XXXX-XXXX. On the XXXX they rearranged a charge so that I got 2 insufficient funds fees instead of just one. They also continuously allow my bank to go negative and charge me more fees, I initially thought overdraft protection was there to protect me from overdrafting my account but it only seems like another excuse to keep taking money so it doesn't seem like it matters whether I have overdraft protection or not. I believe this is malpractice and I can provide more information and evidence if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A derogatory report is shown on my report. I filed a dispute through XXXX and received notice of investigation 's results. Transworld System Inc. verified this account as mine and that result is completely false. Transworld represents XXXX rent a car which asserts I opened an account on XX/XX/2016 and owe {$510.00}
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX Inquiry Date : XX/XX/year> Business Type : Auto Financing Company I am a victim of identity theft and I never authorized this account. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

I am a victim of identity theft, and I can assure you that this debt is not mine. I request that you immediately reinvestigate this matter and take appropriate actions to delete or correct the disputed information as soon as possible. 

Additionally, I am requesting that you provide verification of this debt. Please send the following information : 1. Proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
2. Documentation showing any contracts or agreements between myself and the debt collector regarding this debt. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB XXXXXXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX # XXXX account is reporting XXXX, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.