23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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 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 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 card or prepaid card

Follow up to multiple cases numbers. 

I have met with the Capital One Advocate group after many standard negative letter responses. 
First thing this group is for Capital One not a advocate to support Customer satisfaction. That is lip service. 
I have dealt with other advocacy groups but not one like Capital One 's that are negative toward the customers needs. 
I had wrote a letter to Capital One 's CEO in XXXX and it took XXXX weeks to get the CEO office to respond. That was irresponsible and unprofessional. 

In the meanwhile, I talked to a senior member of the customer service team who was willing to get my cashback, but She said her hands were tied since it was going through executive review. 
When the advocate person contacted me, I pointed out gaps in her research. 
-No disclosure at time of application -incorrect review of my credit report. my credit was 800 plus - Discrimination because other customers got their cashback reward when they had more than one Capital One credit card. 
to name a few gaps. 

The advocate was to listen to our telephone conversation with her manager and talk to the senior customer service employee and get back to me with a positive solution. I told her to have her manager be creative with a positive customer solution. That is what managers are paid for. 

I got the same standard cookie cutter letter. Just another negative response with no positive outlook for the customer. 
I met all criteria making {$500.00} in credit card charges before 90 days. 
Outstanding credit rating. 
Capital One owes me the {$200.00} cashback. They can make up stories and be dishonest but they owe me {$200.00}. 

I talked with another bank about their cashback credit card. They said I could have 2 credit card accounts and I would get cashback with the new card. I mentioned my bad experience with the Capital One cashback card without mentioning Capital One. The person gasped and said that was not their policy. 

I talked to several other Capital One Cashback credit card customers they battled Capital One on receiving their {$200.00} cashback too, it was a long drawn out ordeal. There is a pattern with Capital One not honoring their responsibility sending {$200.00} cashback  to customers. Its a ugly unethical problem. 

I want this documented so other future customers are aware. Capital One should be ashamed of their actions. They were unethical. 

I have left the credit card idle with no activity. I used other bank cards, Capital One could have got those transactions and made good money but why reward them when I did not get the {$200.00} cashback. 

I don't want a response from Capital One. Their response does not solve the problem. They need to think through what they write and come back with a positive solution for the customer. 

Thank you.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX and I demanded that TransUnion provide the contract certifying and verifying the relationship between XXXX XXXX and XXXX XXXX. 

This is AGGRAGATE IDENTITY THEFT because neither companies have a signed Social Security Administration form to legally have CONSENT to pull the social. 

Also parties involved have committed a Breach of Trust and have shared the social with non affiliated 3rd parties
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Transunion regarding my previous complaint. The action they took is inadequate and not appropriate for this situation. They added remarks to each of the negative items from XXXX and XXXX instead of removing them. It has been over 7 years since the first late payment for each of these accounts, they need to be REMOVED. This has not been an issue with the other credit reporting agencies. I will be seeking legal representation if this matter is not resolved quickly.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by PORTFOLIO RECOVERY ASSOCIATES, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by PORTFOLIO RECOVERY ASSOCIATES , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand PORTFOLIO RECOVERY ASSOCIATES, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in XXXX XXXXXXXX It has come to my attention that PORTFOLIO RECOVERY ASSOCIATES , lacks authorization to pursue debt collections in XXXX XXXX XXXX my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this many times before went to collection agency and bureaus. They have placed a fraud alert on account. I even sent a letter for them to send me a debt validation with the original contract and signature to state it belonged to me. Unable to provide me with the original contract with my signature and the company that they are saying I owe.
Product: Checking or savings account

Bank of America recently reopened an old checking account that was closed over ten years ago, without my knowledge, request, or approval. 

Calling their customer service three times, I was transferred to a dropped call, transferred to the wrong department after a 45 min hold, and finally put on hold for over an hour for a different department before I gave up for the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit inquiries for XXXX XXXX are not mine I called companies they put report but nothing happened
Product: Checking or savings account

An email from the CFPB Ombudsman 's Office stated that : " we understand that your Mother submitted a consumer complaint through an interpreter provided by the CFPB, but that some of the complaint was left out in what was submitted to the company. You also shared that the interpretation was not a very good one The HSBC Banks response reads : Unfortunately, we are unable to communicate with your son about your accounts as we do not have a valid power of attorney on record for him. Were unable to accept the one provided with your complaint because it is for an individual named XXXX XXXX. 

XXXX XXXX, my husband, passed away in XXXX. XXXX XXXX, one of my children, has a valid power of attorney now ( see attachments ). 

I do NOT believe that the closing balances of my accounts was {$1700.00} because I was NOT allowed to access my online accounts to cross check the closing balances with my records. 

According to my records, which include the paper statements, {$1500.00} was already missing from my bank accounts when HSBC closed my accounts in XX/XX/XXXX. 

Also, there was around {$170.00} in Rewards missing from my HSBC credit card account when HSBC closed my accounts in XX/XX/XXXX. The Rewards in my credit card account should have been credited to my HSBC bank accounts ( see attachment ). 

As I emailed Mr. XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX at HSBC, I need the following six numbers from my HSBC accounts. For simplicity, the total numbers do not need to be itemized, and the numbers may be rounded down to the nearest dollar : 1. The total number of my check deposits and their total dollar amount 2. The total number of my cash deposits and their total dollar amount 3. The total dollar amount of my XXXX deposits 4. The total dollar amount of my bank transfers ( i.e., to and from XXXX XXXX, etc. ) 5. The total dollar amount of the monthly charges and/or late fees 6. The total dollar amount of the interests from all of my HSBC accounts On XX/XX/XXXX, Mr. XXXX XXXX emailed me perfunctorily regarding the above request/numbers, but he failed to get back to me ( see attachment ). 

I ask HSBC not to send me any indemnification provisions unless the missing {$1500.00} can be accounted for. 

Please see the attached letter for the details of how HSBC has violated their own zero tolerance policy for discrimination.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Around XXXX  XXXX unpaid bill was put on my credit report stating an account was open and had unpaid bill. Told company I was a victim of identity theft when my wallet was stolen. I have had XXXX service almost my whole life until this day. The dates in which they say this was open align with stolen identity account was open online not in person which allowed the person to open fraudulently. Have tried multiple times to explain and get this issues resolved over years with no success.
Product: Debt collection

I disputed the collection with all three credit bureaus and Regional Acceptance Corp deleted the charge off with XXXX  but didn't follow up and submit the deletion with XXXX  and XXXX. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts  posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. This delinquent account record is inaccurate. I request that the following account be promptly removed. 

REGIONAL ACCEPTANCE CORP # XXXX
Product: Debt collection

DEBT WAS PAID UP. DEPUTE THESE ITEMS AND WAS PAID. [ FED LOAN ]
Product: Credit card or prepaid card

I have occasionally used a XXXX XXXX ( TD Mastercard ) to make purchase at XXXX during the last year. In total I have made {$390.00} in purchases and incurred {$240.00} in late fees and {$20.00} in interest charges. This is equivalent to being charged XXXX percent. I have paid the fees and will close my account, but I want other consumers to be aware that Target/TD XXXX may be intentionally ignoring requests for automatic debit in order to earn fees. 

I have tried multiple times to set this card up with automatic debit, both online and by calling them. I connected my checking account and selected automatic debit on the website. Instead of enrolling the account in automatic debit, I have logged in multiple times to find that they charged me late fees for not manually making a payment. I believe this is an intentional practice to earn late fees. I have called the company to set up automatic debit, but I am still getting charged fees.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loan Depot claimed that my Home Owner Insurance lapsed on my property and they had to add Home owner insurance to my account. My insurance has never lapsed since I have been with Loan Depot. My Insurance XXXX has never sent a Notice of Insurance Lapse to Loan Depot. Furthermore Loan Depot stated, that the coverage provided might not match what I currently have. This has happened twice for no reason. I was never asked to provide proof of insurance by Loan Depot after my initial Loan approval. 
My Insurance has never lapsed as XXXX has confirmed.
Product: Credit reporting or other personal consumer reports

This account is being inaccurately reported without proper verification that is required by the FCRA laws and my consumer rights. This account also not in compliance with IRS regulations when it comes to charged-off accounts being reported with a owed balance.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX  and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX XXXXXXXX Account XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX  XXXX Account XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX  & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are is reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

USCB America continues to report erroneous information to credit reporting agencies in violation of the FDCPA. I have contacted USCB several times ( XX/XX/21, XX/XX/21, XX/XX/21 ) and they have not verified or removed the medical collection items from my credit report. This is causing HARM to my family as I can not secure credit. By not removing false information, they continue to be in VIOLATION of the FDCPA. I have provided USCB America with proof of my identity and have given them 30 days to verify the disputed debt, but they have failed to act.
Product: Debt collection

I walked into the XXXX years ago without medical insurance I was having some weird thing happening with my XXXX. It XXXX me a lot. I waited in the waiting room and was called into the XXXX XXXX I stood there waiting and soon they put me in a chair in the hallway. Has I been sitting there I had many other people some with XXXX XXXX XXXX XXXX others with XXXX and XXXX XXXX so on a so forth. Well, the person that was sitting closest to me Happened to have a very highly XXXX XXXX XXXXXXXX called XXXX. I know this information due to the XXXX telling him out loud next to me your XXXX XXXX XXXX XXXX XXXXXXXX. well with that being said IO requested to be moved I personally had that one time, and it went into my XXXX  which almost XXXX me. Not to mention I have an XXXX XXXX and it causes my XXXX XXXX to be weaker. Anyway, I asked to be moved I was told NO. I never seen a XXXX I see a XXXX who stopped me on my way out of the XXXX because I left and said Oh your XXXX looks like a XXXX XXXX. I still walked out of the XXXX I got a call later from someone asking me why I left I explained why they then told me I have a balance which I explained I never got seen how you are sending me XXXX bill for sitting in the building I did not get treated I didn't even have my XXXX checked. I literally walked n sat in a chair in wait room moved to the back sat in another chair I didn't even use the bathroom why would I have to pay a bill i did not rightfully owe? I had the debit company contact me telling me I'm being with sued for this. I once again explain this entire story. I then explained I can not afford to pay this I work ft, but I also XXXX a XXXX  of XXXX XXXX. I do not have it. They sent me another court paper saying they will take my money from my company before I get paid.
Product: Debt collection

I am filing a formal complaint against OneMain Financial XXXX Credit Card due to their handling of my financial hardship. 

I have been unable to work due to severe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I endure daily has taken a severe toll on my well-being, to the extent that I have struggled XXXX XXXX XXXX. In this desperate situation, XXXX has charged me {$140.00} in late fees, in addition to high interest, making it even more impossible for me to repay my debt. 

I have attempted to explain my financial and personal hardship, but instead of providing any assistance, XXXX continues to increase my debt burden with excessive fees. This has left me feeling completely hopeless, as I am trapped in a situation where I can not pay, yet the debt continues to grow.
Product: Credit reporting or other personal consumer reports

I am submitting this comment to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues with inaccurate, inconsistent, and incomplete information on my consumer report. I have disputed these errors three times, on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. Unfortunately, despite my efforts, the disputed accounts were either marked as verified or accurate, yet they continue to be reported with additional incorrect, inconsistent, or incomplete information. 

I am providing this final opportunity for the credit bureaus to resolve this matter by removing these inaccurate accounts from my consumer report. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my prior disputes, the information remains incorrect and is severely impacting my credit standing. I kindly request the CFPBs assistance in ensuring that the credit bureaus take appropriate action to correct these inaccuracies and remove these accounts from my credit reports. 

Thank you for your attention to this matter. 

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

XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX