23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

What happened : On XX/XX/year>, I received a letter from Capital One stating that my account was being closed due to a violation of their Customer Agreement. After multiple calls to their customer service, I was told the closure was because I missed XXXX payment in XX/XX/year>. However, I paid off the balance in full immediately after the recieving the notice, and my account has been current since then. 

Despite my efforts to resolve the matter, Capital One has failed to provide sufficient justification for the account closure. This action is disproportionate to a resolved late payment and has caused unnecessary disruption to my finances. I request a thorough investigation and reinstatement of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A.account which i was told was last paid XX/XX/XXXX is still reporting as due to come off in XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

My student loan account was supposed to be on a 6 month forbearance status as of XXXX 2019, however in my credit report file it states in XXXX of 2019 my loan was 90 days past due, and in XX/XX/2019 it was 120 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and explained to them that the account did not belong to me. It was removed from my XXXX but its still on my XXXX  and XXXX report. I've tried to resolve this issue. But that account is not mine.
Product: Credit reporting

I saw the name " XXXX XXXX XXXX '' on my credit report & I have no idea how that info ended up on my report. Therefore I am unaware what percentage of my score is responsible for that name. I need that disputed ASAP!
Product: Debt collection

Everything is explained in the attachments, but Westlake Financial has been harrassing my daugter XXXX XXXX ( authorization letter attached ) since XXXX what they claim is a " balance due ''. The vehicle was XXXX XXXX on XX/XX/XXXX. After numerous emails, texts and phone calls I negotiated a final payment on XX/XX/XXXX of {$1700.00} as an agreed upon final payment. A month or so later they they started right back up calling and emailing. After I reported them to the XXXX  and they stated they would stop all contact. That was in XXXX, XXXX. I just received a letter in mail dated XXXX XXXX, XXXX from a collection agency that we have a balance due of {$4200.00}. I am beyond frustrated as this was a nightmare from the beginning with this company. Harassment doesn't even describe what we have been thru.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors that should have gone off my report and are still there after 7 years and selling my old reports to other Companies just to keep my scores down.
Product: Debt collection

In correspondence dated XX/XX/2018 I sent this company my disputes in regards to validation of the debt they say I owed them.To my surprise, this company did not validate, neither did it indicate that I have disputed this account : CREDIT PROTECTION ASSOCIATION ACC # XXXX As a result, this company is in violation of FDCPA and California Credit Reporting Act, firstly, failing to mark the account as disputed on the credit report. And secondly for failing to validate the account. 

These my final correspondence after which am prepared to file a lawsuit against them Attached : Copy of my initial letter to this snapshot of account from latest report, showing the account is not showing disputed Small claims form ( sc-100 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX sc XXXX XXXX Subject : request for removal of XXXX XXXXXXXX XXXX XXXX  from all credit bureaus I hope this letter finds you well. I am writing to formally dispute the presence of an account on my credit report. I request that [ Credit Bureau Name ] remove all information related to the following account : Creditor Name : [ XXXX XXXX XXXXXXXX XXXX Account Number : [ XXXX Date of Opening : [ XX/XX/ Balance : [ {$500.00} I have carefully reviewed my credit report, and I believe that the inclusion of this account is inaccurate and unjust. I would like to outline the reasons for my dispute and kindly request your assistance in rectifying this matter. 

1. Inaccurate Reporting : The information provided by [ XXXX XXXX XXXXXXXX XXXX ] regarding this account is erroneous. According to my records, I have never opened an account with [ XXXX XXXX XXXXXXXX XXXX  ] on the date mentioned above. Therefore, it is evident that a mistake has been made, leading to an incorrect entry on my credit report. 

2. Lack of Verification : I have not received any communication from [ XXXX XXXX XXXXXXXX XXXX XXXX  regarding this account. No correspondence, statements, or notifications have been sent to me to indicate that I owe any debt to [ XXXX XXXXXXXX XXXX XXXX ]. I believe it is essential for the creditor to provide verifiable evidence supporting their claim and validate the existence of this account. 

3. Statute of Limitations : Even if this account were valid, the statute of limitations for collecting this debt in [ SC ] has expired. As per the applicable laws, any claim relating to this account is no longer enforceable. Therefore, the inclusion of this account on my credit report is both misleading and unjust. 

Based on the above reasons, I kindly request that [ Experian ] initiate an investigation into this matter and remove the disputed account from my credit report. I expect a prompt response within 30 days of your receipt of this letter, as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 

Please find enclosed copies of supporting documents, including my credit report highlighting the disputed account, as well as any relevant correspondence or records that support my claim. I trust that you will thoroughly investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. 

I also request that, in compliance with FCRA Section 611 ( a ) ( 5 ) ( A ), you provide me with a written confirmation once the investigation is complete and the disputed account has been removed from my credit report. 

Thank you for your attention to this matter. I believe in the importance of accurate credit reporting, and I trust that [ XXXX XXXX XXXXXXXX XXXX  ] will handle this dispute with the utmost professionalism and diligence. Should you require any further information or if there are any updates regarding this matter, please do not hesitate to contact me at the address listed above or via phone at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days ( about 4 and a half weeks ) and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished in my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN General to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency PERMISSION to report anything on my consumer report which violates my rights as a federal consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

Company name midland credit management the amount is XXXX, I have reached out to this company multiple times the people are very mean to me Ive asked them to validate the debt or send original contract no response. Ive called all three credit bureaus I havent got ta anywhere The date thats showing the account was opened XX/XX/scrub>XXXX XXXX XXXX
Product: Debt collection

Bridgecrest tried to have my car towed and failed because it was lifted in the state of Texas with my minor in the car made a whole scene by breech of contract, police were involved and the court case was closed due to me not being served. However today XXXX the finance company showed up with my apartment manager ( XXXX XXXX ) trying to facilitate a repo with a XXXX year old! Telling my son they are here with the finance company that wants the car back! That is inappropriate communication and involving a third party instead of restarting the legal process on this civil matter!
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I am composing this letter to complain about the XXXX credit bureaus that are reporting unauthorized inquiries on my credit report. 
XXXX XXXX and Experian. I have contacted them several times and no positive results. They do not respect me and it is depressing. These inquiries have damaged my score and make it very hard for me to sleep at night. Nobody helps me when I call the customer service numbers. Please help me with these negatives reporting to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked Credit Report And Do Not Recognize These Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that it shows a late payment on the account XXXX OF XXXX : XXXX. I want to clarify that I have never been late on payments for this account. Consumer Reporting Agencies have an essential role and a responsibility to report consumer information with the highest level of accuracy. Please investigate this matter and provide proof, including statements, showing that this payment was late. If proof can not be provided, I demand that this payment be updated to " Paid on time '' as it should be since I was NEVER late. Thank you.
Product: Checking or savings account

These incompetent people have constantly screwed up. They reduced my interest rate because of their own errors. I have contacted them over 5 times about the issue. The very last time I was told not to worry. As of 2 days ago they reduced my interest rate form XXXX to whatever nonsense. 

Because of their screw ups my CD rate and credit card cashback has suffered. An they're not doing anything to correct it. Just nonsense and lies.
Product: Checking or savings account

I have a Bluebird Account through American Express.  You must have a check pre authorized at which time the funds are deducted from your account.  I have now had them bounce my pre authorized rent check twice.  Not only have I incurred charges from my landlord but they are now in the process of evicting me from my home.They have not responded to my previous letter of XX/XX/XXXX and I have written to them again.  I have attached the materials to this email. Any assistance with this would be appreciated.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a *XXXX account and XXXX XXXX XXXX XXXX account XXXX These accounts are the result of debt bondage, I have not given consent for these accounts and I am requesting that they be removed immediately. I have attached all pertinent information regarding these accounts.
Product: Credit reporting or other personal consumer reports

Subject : Correction to Previous Experian Dispute Request of Inaccurate and Unauthorized Information. New Request to Include The Removal of Late Payments and Inquiries. 

I am writing to formally dispute inaccurate and unauthorized information appearing on my Experian credit report. These accounts were added due to a data breach and are not authorized or representative of my financial history. I request immediate investigation and removal of the following accounts from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX request corrections for the following accounts due to inaccurate reporting of late payments. These accounts should not be closed, but the late payment entries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), I assert the following rights and request specific actions to address this issue : Under 15 U.S.C. 1681i ( FCRA 611 ) : I request that the disputed information be investigated and verified as accurate. If the disputed accounts can not be verified, they must be deleted from my credit report.

Under 15 U.S.C. 1681e ( b ) ( FCRA 607 ) : Experian is obligated to ensure maximum possible accuracy in reporting my credit information. These accounts are inaccurate and result from identity theft or misreporting tied to the referenced data breach. 

Under 15 U.S.C. 1681c-2 ( FCRA 605A ( b ) ) : I request that these fraudulent items be removed as they stem from a breach of my personal data.

Under 15 U.S.C. 1681g ( FCRA 609 ) : I request access to all documentation, records, and communications related to the inclusion of these accounts on my credit report.

Given the widespread data breaches that have affected financial institutions and compromised consumers ' sensitive information, I believe these accounts may have been fraudulently opened or erroneously reported. I demand that these accounts be thoroughly investigated in compliance with FCRA requirements and deleted from my credit report if found unverifiable or inaccurate. 

Additionally, under the Federal Trade Commission Act ( 15 U.S.C. 45 ), it is illegal for businesses to engage in unfair or deceptive practices. Reporting inaccurate or fraudulent accounts on my credit report due to negligence in protecting consumer data constitutes a violation of this statute.

I have attached all relevant documents to support this dispute, including copies of my Experian credit report highlighting the disputed accounts.
Product: Mortgage

Hello, I had contacted you back in XX/XX/XXXX regarding the lender ( Union Bank ). 
My husband was very ill and I was taking care of him in this what I call it our XXXX. At that time, my lender was XXXX Bank and XXXX who decided to obey the new law and lower my XXXX % interest rate down to XXXX %, which was supposed to last until XX/XX/XXXX I kept paying my loans every month and on time. Union bank took over the previous bank and I kept paying on XXXX % interest until I contacted them on XX/XX/XXXX and asked about whether my loan is changing and they replied, over the phone and without any documentation to confirm that my principle has been extended to the year of XX/XX/XXXX and the XXXX which is a Home Equity is extended to XX/XX/XXXX. I was relieved when I heard and without asking for confirmation about the Phone conversation. 
I am a widow and my husband has passed away in XX/XX/XXXX, I have contacted this bank and asked if they can reduce my monthly payment and live comfortably. They denied helping me. Any time I asked for help, I heard them telling me either to go Reverse Mortgage or liquidate my home. I feel this is a matter of discrimination agaist me because I have no husband and I am in my XXXX 's. 
Instead of lowering my monthly payment which was around $ XXXX, they surprised me on XX/XX/XXXX, with a XXXX package in front of my home and being addressed to my deceased husband without my name on it and they raised my rates and my monthly payments asking me to sign the package and return it back to them before XX/XX/XXXX or else the loan will go up to XXXX % automatically. I called them and told this is totally illegal and I am being harrassed by this. Their response was that they were being audited and found out that my loan was supposed to change to XXXX % and they missed it and they wo n't charge me for repayment of XXXX years that I was on XXXX %. They did this so they know I wo n't be able to afford this payment so they can foreclose on my home. I have paid enough money in this house during my husband 's illness and death and now I have his survivor 's and pension income and I am a full time worker on a minimum wage. I feel I am being taken advantage off since I have no husband to support. I am qualified to lower the monthly payment and keep my home and not interested in Reverse Mortgage or being thrown on the street ( Foreclosed on ). 
XXXX XXXX 
XXXX CA XXXX XXXX
Product: Credit card

Dear CFPB, I am writing to formally submit a complaint against Capital One regarding their handling of fraudulent charges and inadequate customer service. 

Details of the Complaint : Multiple Fraud Reports : I have submitted two fraud reports regarding unauthorized charges, but Capital One has not resolved these issues adequately. 
Failure to Ship New Card Number XXXX : After requesting a new card due to fraud, I was informed that it would not be shipped because my account was allegedly in the negative, which it was not. 
Unjust Charges for Expedited Shipping : I was charged {$16.00} for expedited shipping of a second card, even though the first card was still not sent out. It is unreasonable to charge for shipping related to fraud ; this should be covered by the bank. 
Phantom Charge : There is an unexplained charge on my account with no details provided, which remains unresolved. 
Negative Impact on Credit : These unresolved issues have negatively impacted my credit score, causing a one-point drop per bureau, despite my history of never missing a payment.

Unhelpful Customer Service : A supervisor I spoke with refused to adequately address my concerns and did not assist in resolving the situation. 
Advice to Not Pay the Bill : I was advised to simply not pay my Capital One bill, which is unacceptable and could further damage my credit. 
I have always managed my accounts responsibly, and I am frustrated by the lack of support and resolution from Capital One. 

I request your assistance in ensuring that Capital One addresses these issues and provides a satisfactory resolution. 

Thank you for your attention to this complaint. 

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

ON XXXXXXXX  I disputed this account with XXXX and asked to company to validate, not verify the account They did not Therefor I want this removed from all the credit agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some inquiries passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I have two credit different card accounts that are managed by Synchrony Bank. Due to the likeness between them, I sent multiple payments to one ( overpayments creating a credit balance ) and underpaid the other ( creating seriously past due, and adverse reporting to credit bureaus ). Although I have obtained the refund from one account and paid the other, this human error has destroyed my credit scores and I am devastated about this. I am trying to find a means to, with the proper evidence/documentation, enter the information about what happened and how it was corrected, into the records of the creditors and the credit bureaus, so that it is clear that the issue was not a matter of failing to pay.
Product: Debt or credit management

On XX/XX/scrub>XXXX I called capitol on asking if they could help me out with zero interest for the next year once my promotion ended. I was struggling financially and needed some help. I've never missed one payment, in fact at one point I paid both of the capitol cards off. With this struggling economy these days, I'm hurting and need a little bit of relief, they agreed and it was recorded that they would honor my request and give me zero interest for the next 12 months. They are not charging one card but have now tacked interest on to one of my cards. They have it recorded and now say I was given misinformation and its not their problem.