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

I received my Capital one card around XX/XX/XXXX and activated it but was restricted. I have emails that can verify this. The company asked me to send documents XX/XX/XXXX, they did not specify that I should send the backpart of the document so I needed to send it after calling last XX/XX/XXXX. Then the wait time which was 10-15 days. I call them again saying that they needed to verify new documents which they did not specify the first time so I sent these again. I called again after 12 days then asked me to send new documents for my husband which they did not specify the last time, this was sent XX/XX/XXXX. They said that an agent called but I did not pick up so they said they informed me about it. I told them what do I have to do again. So I need to send new copies of my husbands documents which was the same documents I sent the first time this was XX/XX/XXXX. I got a mail that if I did not send the documents then my application will be cancelled. At this point I want it to be cancelled already but my credit score already reflected that I opened an account in Capitalone. I called After 10 days asking if they received the documents last XX/XX/XXXX. They said they did but that they will be calling me and not to call them anymore. I called them again XX/XX/XXXX and they told me that there is nothing to be done to the account and that it is what it is. I can not talk to a supervisor because they can not have me talk to one. If I call back they will just give me the same information. I tried XXXX. The same script was given. This is so frustrating, not only is this wasting my time but it also has taken toll in my mental health. It is so stressful. This is not my only credit card. I really dont mind cancelling, this but 3-months of stress is not worth it.
Product: Debt collection

I XXXX XXXX XXXX XXXX was entered into a credit inquiry transaction that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web.I have contacted XXXX  about this issue on the phone and the employees were very rude to me. I asked to speak to the supervisor and the supervisor made me aware that she had no knowledge of the FCRA Laws even though XXXX  is supposed to abide by the FCRA Laws. after I stated the laws to the supervisor, she then hung up on me in an attempt to evade the laws and do the right thing by removing this inquiry. I also faxed in all these documents that I attached to this complaint to XXXX  and they have yet to respond.Having this False and misleading inquiry reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my son. I am a XXXX  father and my son looks up to me, so I wan na show him that I can buy a house for him because he deserves it. I ask that you please remove this false misleading inquiry from my credit report so I can began to repair my credit and eventually get my Son a house. please resolve this matter quickly. Capital One Bank USA gave my hard inquiry information to XXXX  knowingly without my written consent, they violated 15 USC 1681n ( b ) .My consumer rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasable. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Our loan closing certificate indicates that our monthly automatic payments are {$110.00}. The total amount of the loan was {$38000.00}. The set payments were until XX/XX/XXXX when a target balance of {$27000.00} was required to be met in order to maintain the {$110.00} monthly payment. This XXXX  balance was met on XX/XX/XXXX when a principle payment of {$11000.00} was made bringing the total amount to {$26000.00}. Our payments have been consistently paid via automatic withdrawal in the amount of {$110.00} until XXXX, XXXX ; when the payment was increased to {$110.00}. We made calls to the Goodleap service number requesting information explaining the increase on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX after receiving an email stating our XXXX payment in the amount of {$110.00} would be due. 
We have received emails ostensibly from Goodleap, although lacking sufficient official identification therein, concerning our complaint, from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX, neither of which contained an explanation, only that our issue was being investigated. There has been no further communication concerning this matter hence our referral of this issue to Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX ) that you, the Experian 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX in the amount of {$760.00}, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$920.00}, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1600.00}, a credit card account opened at XXXX on XX/XX/XXXX in the amount of {$870.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

All three bureaus are not reflecting my true longest credit history and applying it to the FICO formula. I want this information corrected by determination and send out to credit bureaus to make changes.
Product: Vehicle loan or lease

Today XX/XX/2020 I XXXX XXXX called Exeter finance to try and push some payments towards the back of the loan due to the pandemic currently happening. Without any consideration my bank refused to put payment to the back of the loan and expects me to do payment plans when I dont have a job what so ever and my unemployment date isnt for another 12 weeks. Can someone please help me with this situation.
Product: Credit card or prepaid card

My statement closed on XX/XX/XXXX. I paid the balance of over $ XXXX off by XX/XX/XXXX. I noticed on my XXXX statement that I was charged {$58.00} in finance charges. I called in to ask about the fees and was told that finance charges accrue daily, which isnt fair when you pay a balance in full. I requested that the {$58.00} fee be waived as a courtesy which was declined. I asked to speak to a supervisor. I explained to the supervisor that wanted to see if the fee could be waived since I paid the balance full. I have been a cardholder since XXXX and have paid thousands of dollars in fees. The request was again declined. I dont understand how someone can be penalized for paying the balance in full. How does that help a good paying customer? I never have asked for fees waived or even called in. I dont think the request is unreasonable. When I asked to be further escalated, she stated there was no one else and hung up on me. I am looking to get the {$58.00} fee waived, which is a reasonable request.
Product: Debt collection

Starting XXXX XXXX this company has called me at least twice a day everyday despite asking them to stop. This company has called me from multiple numbers several times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed tidewater financial several times and it comes back verified. How can it comes back verified when it's reporting different information on all bureaus? Highest balance is different along with last payment. This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is XXXX XXXX is reporting my debt as a charge off. However, I have been remitting payments to Radius Global Solutions ( RGS ). RGS is the debt collection agency for XXXX XXXX. XXXX XXXX refuse to reclassify my debt as paid as agreed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a disgruntled consumer, I demand to be made aware of the meticulous measures your establishment undertook to ensure the utmost accuracy of these items in compliance with 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure. A consumer reporting agency must furnish a thorough description as referenced in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notification that, upon the consumer 's request, an account of the process employed to ascertain the precision and integrity of the data must be disclosed to the consumer by the agency. This account should encompass the entity name and location of any data provider contacted regarding said information, alongside the pertinent contact number of said entity, if reasonably accessible ; to be dispensed within 15 days upon receipt of such request from the consumer. Previously, I engaged with your establishment to alert you of my identity being compromised due to a Data Breach/ Identity Theft incident. Simultaneously, I reached out to the Federal Trade Commission and submitted an FTC Report, which is enclosed herewith. I INSIST that all data about me be expeditiously expunged from my credit report and an updated version thereof be promptly dispatched to me. Regrettably, the items outlined below persist on my credit report, necessitating your urgent attention to rectify this egregious oversight. Furthermore, by 15 USC 1681c-2 c ( a ), the credit reporting agency is mandated to delete and eradicate any contested information believed to be associated with identity theft within 4 business days following the receipt of a formal complaint inclusive of the details provided below. Moreover, kindly furnish the following particulars utilized to authenticate the veracity of the invalidated items listed below : I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed on this payment history. Else, DELETE this account immediately!
Product: Debt collection

On XX/XX/2016 opened a collection. 
Account # XXXX XXXX $ that I owe I have never signed any document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alledged company. 
Please have this removed from all three credit bureaus XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/XXXX Details XXXX XXXX Additional information Account is in violation 15 usc 1681a Account collections XXXX written off. XXXX past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a closed account is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 Experian shows payment history from XX/XX/XXXX delinquent and a past due balance and collection status with one month term XXXX collection past due no term unpaid status XXXX show no payment history opened account no term no status All three were updated as of XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE SUE TO SEEK DAMAGES UP TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA -- they are required to " ... promptly delete all  information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON. I HAVE TIGHTS UNDER 15 USC 1681. MY CIVIL RIGHTS WRE VIOLATED NUMEROUS TIMES AND I AM REQUSTING/ DEMANDING THESE INQUIRY ACCOUNTS/ COLLECTIONS BE REMOVED XXXX XXXX NA XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXXXXXX 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 XXXX XXXX XXXX  THESE ARE NOT MY ACVOUNTS, WHICH LOWERED MY XXXX XXXX, HIGHER INTEREST RATES, PLEASE REMOVE THESE INQUIRIES/COLLECTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX have violated my rights XXXX 

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

I disputed the XXXX XXXX XXXX XXXX on my report with experian. The loan was made in XX/XX/XXXX and It wasn't mine it was my husband loan it has been on my report since XX/XX/XXXX and every time I dispute it they change the date on the information and then tell that it's been updated. The loan was in XX/XX/XXXX and this is XX/XX/XXXX I paid off the loan and they are still refusing to delete the account from my report even though the time frame has exceeded the statue of limitation they keep changing the date and telling me they updated the account after it was verified to be mine. I am not saying it wasn't mine because it was my late husband 's account but I did pay it off and the time frame has run it's coarse.
Product: Money transfer, virtual currency, or money service

I am currently having issue with coinbase. They have disabled my account since theXX/XX/XXXX. I can not access my funds, i have submitted a few tickets and sent messages on XXXX but still no luck. I have submitted proof of id and passport on the XX/XX/XXXX. As was requested by coinbase. My email address is XXXXXXXXXXXX.
Product: Prepaid card

I use cash app and I was gon na buy something on line when I went to purchase it the company XXXX wouldn't give me a tracking number, so I went to my cash app and told them to dispute it they wouldn't and now the goddysusmall has XXXX dollars of mine, and they didn't send me the product or my money to me when I went to dispute it again cash app said they would kick me out and I wouldn't be able to use there bank card no more. I really would like to have my money back. I've tried talking to cash app and I've try contacting goddys us mall and no response pls help me get my money back. Have a blessed day
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair an deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the unapproved duplicate hard inquiries and paid-off duplicate collections to the credit reporting agency. They tell me I need to contact the creditors directly with my dispute. I have contacted the creditors via letter and call with no response to these unapproved duplicate hard inquiries and collection they are reporting to the credit agencies. They are the following : DUPLICATE HARD INQUIRIES :     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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: Mortgage

My brother in law is applying for a HELOC to finance remodeling of his home. He has excellent credit, a flawless payment history, and over $ XXXX in equity. Prior to applying for the HELOC he had co-signed on a home mortgage loan for me on my primary home over 18 months ago. 

Although he was a co-signer on the my home loan, I have been the only one making payments on the loan for the last 16 months. I needed him to co-sign at the time of purchase to raise my debt to income ratio so that the my lender would provide the loan. I also have excellent credit, and no history of bankruptcy or delinquency on any of my loans. 

The current financial institution that brother in law is working with to secure a HELOC for his loan is US Bank. When my brother in law applied for the HELOC, he was informed by US Bank that he did not qualify due to a high debt to income ratio as he is considered a responsible a responsible party on my home loan for which he had co-signed over 16 months ago. He asked me if I would co-sign for him and I agreed. I then proceeded to provided US Bank with proof that I have made more than 12 consecutive payments ( 17 months to be exact ) from my personal bank account to meet my mortgage obligation, and that my brother in law has not made any of these mortgage payments. Despite providing this information as well as a letter confirming that I do not expect any payments from my brother-in-law for my home, his institution is reluctant to provide my brother in law with a HELOC in the amount of $ XXXX. They continue to insist that I should provide proof that all other personal loans on my credit need to be verified with 12 months of bank statements showing proof that I am the only one making payments on them, and my brother in law is not liable. 

I informed US Bank that my brother in law has nothing to do with any of my other loans and I dont see why i need to provide them with my payment history on these loans. Particularly because I have already provided them with documentation showing proof of payment for my home loan.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom It May Concern : I am writing this letter because there is a big mistake on my credit report. I am specifically talking about the Afni Collections Account for {$1500.00}. 

Afni Collections has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. I look forward to a speedy resolution of this matter. 

Thank you. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN : XXXX
Product: Debt collection

I applied to refinance my home when I found out that CACH , LLC, has a lien against my home in my husbands name, that was filed in bankruptcy .We were discharged XXXX/XXXX/2013. this means they have been paid but wo n't take it off. The amount filed in bankruptcy was XXXX.I am not sure if you can help but maybe if you ca n't you can direct me to the right source.
Product: Debt collection

Midland Credit Management - XXXX Contacted my spouse whom I am separated from, who was not on the account! Gave him the details of my debt of {$1000.00} + dollars and that no payment has been made since XX/XX/2021 and asked him to make the payment. 

This is plain wrong- please do something about it.