23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, I mailed out a dispute letter to Capital One about the company sharing my nonpublic personal information. According to 15 USC 6801 ( a ) requires financial institutions to notify consumers of their information-sharing practices and provide for a right to opt out of certain sharing. Capital One never gave me any opportunity to opt out they furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ). Under 15 USC 6809 ( 5 ) nonaffiliated third party means any entity that is not an affiliate of or related by common ownership or affiliated by corporate control with the financial institution but does not include a joint employee of such institution. 
XXXX, XXXX XXXX XXXX are nonaffiliated third parties, and Capital One has violated the provision of 15 USC 6802. In if Capital One admits that XXXX, XXXX XXXX XXXX is affiliated they have violated the Fair Credit Reporting Act. Therefore, Capital One has not only infringed my right to privacy but also violated multiple Federal Laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address that appears on myExperian credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 

Incorrect Address : XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I opened up a Discover Bank Credit Card. I was making my payments on time. In XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, the Discover Bank credit card was still reporting on my credit report just recently and is affecting my credit score because it shows up as an inquiry/derogatory. 

I hired a 3rd party company to try and dispute this. They reached out to Discover Bank but all Discover Bank did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.
Product: Debt collection

I have been dealing with IQ Data and they were refusing to send me the information as I explained I gave my previous apartment complex my forwarding information two times and was sent to collection. I explained I had gotten the proof and literally had to beg them to send me the information. The calls were supposedly recorded and they were condescending and questioning fact I have background in collections and they called me yesterday before I got the information again saying I explained the bill so you should pay and I said not till I see the exact documents. The collector questioned because I have been in the business then I should know what the deal is. I had initial call for representative on XX/XX/18 and when I asked for a manager I got one indicating they were going to report to my credit bureau and I indicated I hadn't even received information. I called back and got a receptionist who hung up on me as wouldn't put me through to a manager. On XX/XX/18 I called yesterday and asked to speak to XXXX XXXX the director based on all the problems I had with the agency and was told the director doesn't talk to debtors and I offered to give my name and number so XXXX could call me and the representative refused to take my information. I ended up paying the water portion of bill but I informed XXXX XXXX the Operations Manager all the issues I had with their collectors and the smart allic answers and the fact not waiting for me to even see proof of bill
Product: Checking or savings account

I received my SS check on XX/XX/year>, in the amount of {$2100.00}. On the same day my boyfriend deposited a third party check in the amount {$4500.00}. Now, I understand that they need time to clear those funds, but meanwhile they are holding my SS funds also. I live from Paycheck to paycheck and get paid once a month! this is causing a lot of problems and putting undue strss on me. This isn't good for my health. 

Right now I'm late on XXXX bills. I want Capital one to pay these late fees and clear my name with all XXXX Credit Bureaus. I can not afford to have any more marks against me on my credit report. Plus, I have XXXX payday loans that can't get paid and that is making me look uncredit worthy!! This is a nightmare! 

I have called them and they don't care, they have to investigate and they can't even tell me how long it will be!
Product: Debt collection

XXXX are IMPOSSIBLE to deal with this small debt charge has caused me nightmares. They were unhelpful and got me wrong info every time i called for hours. 

When i first got this issue I asked a colleague who does debt repair for advice. He asked what agency had the debt I said XXXX XXXX and he let out a big sigh. He said they are one of the worst to deal with CapitalOne sent bill in XXXX to an address I moved from in XXXX which i updated with the post office. That is public record but i have to blot out the address per the guidelines on this site. 

Instead of contacting me by phone or using my real address they sent to debt collector. Also note I have a different active capital one credit card ( which i can not cancel now since it will wreck my credit score further ) so they have my info but they never sent the bill Furthermore, even if i got the bill i would still not know if this charge was legit or not. Still today i have NO knowledge of what that {$130.00} charge ( which i only received via debt collector ) is for. Nor is CapitalOne or the debt collector able to provide ANY info on what that charge is for. 

I never used this CC once and opened it supposedly 9 yrs ago. Only charge ever was in XXXX which i have no knowledge of and is the one CapitalOne sent to debt collectors XXXX XXXX My wife 's purse was stolen in XXXX which we reported to local police and XXXX ( which did a 90 day credit freeze ) and to all our credit cards that we know of - it could be related but i am not sure Either way capital one aand XXXX  XXXX were totally irresponsible and this should be stricken from my credit score. 

Now i am spending months with XXXX and thousands of dollars in poor rates and to pay XXXX and XXXX XXXX still refuses to budge on this and my credit score is down about 70 points because of that. 

I despise this company and hope the FTC takes action against them. Also if you have a choice ( although I doubt you will ) NEVER use XXXX  XXXX for debt collection I hope a lawyer could help me since I would like to speed up this process of removal and would be happy to talk to someone competent at either XXXX XXXX or Capital One and modify review if they could remove this charge, but to date I have not found a competent person at either. 

I would also be happy to talk to media or anyone about this on the record since the whole credit repair process is so ridiculous and unfair. And I am sure people here have way worse stories than I do and would like to help bring light on this in hopes that the process changes.
Product: Credit reporting or other personal consumer reports

So about 3 weeks a filed another complaint against Barclay 's for what they keep doing because every 6 months they continue to do the sane thing and it is continuing to affect my credit. I am currently in the process of buying a house they did it again this time they affected my credit score by XXXX points with the ups and foens of their actions first bringing my account from XXXX dollars down to to XXXX then during the investigation found that when they pulled my credit that they were wrong bring it back up to XXXX now they turned around and closed the account and caused more damage to my credit score screwing up my whole loan.
Product: Vehicle loan or lease

On XX/XX/XXXX I visited XXXX XXXX to view a used car with my elderly mother XXXX XXXX, and our close friend XXXX XXXX, during the meeting we discussed financing and the Used Car Manager in plain English advised us that they would require a soft pull or our credit, being an XXXX XXXX XXXX I was well aware that a soft pull would have no adverse effect on my credit or my mothers credit so we agreed. On leaving the dealership we received multiple messages from XXXX that Hard Pulls from multiple lenders had been placed on our credit reports, we dis not authorize loan requests from XXXX XXXX, ally financial, XXXX or any other lender we were merely discussing options. My husband contacted XXXX the XXXX a day later to inquire and the Managed lied directly to him.about the process, all 3 witnesses present clearly understood this was a soft pull and the ramifications of a hard inquiry, I XXXX seasoned XXXX, XXXX XXXX is a retired XXXX  and XXXX XXXX is a Business XXXX, there was no mistake from our interpretation. We would like the Dealership sanctioned and fined for breach of our privacy, manipulation of our credit and the inquiries immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 my credit score dropped with transunion for no reason without explanation per XXXX XXXX. My XXXX score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.
Product: Credit reporting

please see case # XXXX and Case # XXXX in Reference to Case # XXXX. I have previously requested that Equifax removed item # XXXX from my credit report. Due to the improper manner and deceitful manner in which this judgment was obtained ( please review previous complaint to your agency submitted on XX/XX/2016.
Product: Credit card or prepaid card

I have a credit card with Elan Financial. But every time is Elan Financial calculates Reward Point " willfully '' wrong and also, it does not allow me ( other consumers similarly situated ) to redeem Correct Reward Points on-time. There is always a story, Not XXXX, Not XXXX and story goes on ... ... ... ... ... ... ... ... ... ... ... .. Elan Financial is engaged in massive consumer fraud. Once I get reward points, I plan to close this card. Operators are racially abusive and discriminatory. This is not the first time I complained about Elan, this is the third time with no resolution.
Product: Debt collection

United Collection Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted Transunion to report a bunch on unauthorized inquires on my credit report and was told by the representative that there was nothing they could do. On XX/XX/2019 I once again contacted Transunion to report old and new unauthorized inquiries on my credit report and was advised by the rep that I had to first try and make contact with all the individual creditors and request them remove the inquiries. On XX/XX/2019 I sent out letters to each individual creditor requesting they remove the unauthorized inquiry or send me documentation with my signature on it approving their request. I have yet to get any documentation in the mail from any of the creditors listed on the attached pages or have seen any inquiries removed. I tried contacting Transunion on XX/XX/2019 to explain that I had done what they requested and sent letters out to each individual creditors to request they remove the unauthorized inquiries or send signed documentation showing my approval of their request and was told by the rep there was nothing they could do, that I could not dispute this with them and I had to take care of this myself. I would just like their assistance in removing these unauthorized inquiries.
Product: Mortgage

This is my buyers lender they were approved on XX/XX/2020 weve been waiting since XX/XX/2020 for the clear to close I keep being told its happening any day now and nothing Im about to lose the home Im buying and nothing the have already signed the CD with the 3 day waiver signed still not sure what we are waiting for.
Product: Checking or savings account

XXXX XXXX XX/XX/XXXX - Car broken in and wallet stolen around XXXX, call bank cancel all credits and frozen all accounts - Police report case # XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Went to the bank close all accounts, open all NEW XX/XX/XXXX - $ withdraw from XXXX kids saving accounts, XXXX + XXXX = XXXX XX/XX/XXXX Went to the bank to open claim for checking account, XXXX XX/XX/XXXX Mailed theft forms to chase fraud department ( 1st ) XXXXXX/XX/XXXX Went to the bank and fax forms again ( 2nd ) XXXX Went to the bank and fax forms again ( 3rd ) - Chase fraud stating 15 days to investigate XX/XX/XXXX Went to bank and fax forms again ( 4th ) XXXX Went to bank open claims 2 more account - Empty Moms account - {$1500.00} - Saving XXXX + XXXX = XXXX - Fax forms again ( 5th ) close all accounts XXXX - Went to the bank and fax forms again ( 6th ) XX/XX/XXXX Went to the bank fax forms again ( 7th ) XXXX XXXX different accounts ( checking/savings ) over $ XXXX *** how can this happen when i closed all the accounts and new accounts was withdrawed from???
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Inaccurate Names from Credit Report Dear Experian Customer Service, I am writing to dispute the inclusion of inaccurate names on my credit report. I have identified the following names that do not reflect my full legal name, requesting removal : XXXX. XXXX A XXXX XXXX. XXXX XXXX My full legal name, as shown on my driver 's license and electric bill account summary, is [ XXXX XXXX XXXX ]. I kindly ask that you correct this information and ensure that my credit report accurately reflects my name. 

If you require any further documentation or information to process this request, please let me know. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

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

In accordance to the Fair Credit Report Act XXXX  XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. 
I should have ONE name, ONE date of birth, and ONE address
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I settled/paid off two closed XXXX XXXX accounts on my account. XXXX XXXX even mailed me confirmation letters advising each account has been paid off. My credit report with XXXX, Experian, and XXXX  has yet to be updated showing {$0.00} balances on my two closed accounts with XXXX XXXX. I've disputed the listed balances on my account multiple times and it has yet to be corrected.
Product: Credit card

I have both a business and personal credit card account with Bank of America. A business credit card was issued and shipped to an address I do not recognize, under a name I do not know. The delivery address was in XXXX, a place I have never lived. On or around XX/XX/XXXX, I noticed an unfamiliar transaction on the business credit card and reported it to the bank. On XX/XX/XXXX, my personal credit card with the same bank was used. This card, which I opened in 2012, had a {$0.00} balance and had not been used for several years. I also immediately reported this and filed a dispute.
Product: Mortgage

I applied for a loan modification and a file was completed 37 days before the sale date. A representative from Rushmore took a personal interest which was negative and denied the file while we were on the phone with him. He was stating there was one item missing. We called back the same day and sent the document to a supervisor who stated the file never should have been closed and she would try to reopened it, which she was unable to do. The representative who denied the file is XXXX XXXX XXXX he was very rude and denied the modification stating we were under 37 days, although this was not true it was day XXXX. We then filed a complaint against representative. The supervisor stated they will call me back to let me know if XXXX supervisor will reopen file and stated it was denied in error. Our complaint also stated to remove XXXX XXXX from the file. He was no removed. We went to court to have the court move the sale date which was approved and we submitted the loan modification a second time. XXXX XXXX failed to even open the file until after the 37 day rule had passed, making us ineligible for a review. This is unfair how one representative with a bad attitude and a need to hurt others should be allowed to make a decision that no one can fix.
Product: Debt collection

I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( XXXX ) XXXX and ( XXXX ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX collection bureau. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.
Product: Checking or savings account

Thanks to m & t bank my car insurance is now lapse in coverage and now i cant drive due to not paying the bill i will make sure this get brought up in court.I have been using XXXX with m & t bank for friends and family that pay me back because i like to go out and eat a lot and lend out money to family and friends, and they pay me back through XXXX because its easier for me. The problem is m & t bank has frozen my account for more than 1 month because of these XXXX transactions. M & t bank are saying the other partys of the XXXX transactions is trying to do a chargeback of the transaction saying its a unauthorized transaction when they authorized the transaction which is a lie.I cant get into contact with my friends that did this.M & t bank didnt call me email me or notify me that the other party reported the transactions so i had no clue until they took money from my account. In XXXX terms & conditions XXXX payments are non refundable with no proof M & t refunded XXXX XXXX transactions in different amounts totaling {$3900.00}, With no proof that what the other party is claiming which is unauthorized transaction is actual truthful. In the terms conditions of XXXX it states XXXX transactions are non refundable so Im not sure how m & t bank was able to do this. I filed a cfpb complaint and and they didnt answer my response basically ignored my response. This is m & t bank regional security manager that responded contact information XXXX have not been able to pay bills because of this frozen bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my XXXX credit report from Navy Federal I didn't submit an application for this. I called them but they failed to fix this issue
Product: Mortgage

they have locked me out of computer access and said I have not paid my bills. they still have not posted any payments to my account. I am trying to refinance my house and the equity line of credit in to one and they will not give me payoff and has caused be to pay for a extension for move time. I have one day left one my extension before I have to pay for another extension. the bank has asked for a pay off 7 time already since the XXXX of XXXX. they are charging me {$25.00} for the pay off. Is there a way I can charge them for my extension fees and all the stress they are putting me through? They have been nothing but trouble, to me since they took over me equity line of credit.
Product: Debt collection

On my credit report, Cre dit Bureau of the South i s showing as a collection in the amount of {$70.00}. I sent a letter to them, which they received on  XXXX -2017, requesting validation of this account, bearing my signature, showing that I have some contractual obligation to pay them. They later responded to the dispute from a company called  XXXX   XXXX   XXXX . And only forwarding medical statements, and no signature was included. They also failed to mark my credit report with a disputed remark within thei r 30 allo wable days.