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

I have credit monitoring through XXXX and as part of that, my credit is always locked. I was under the impression that this locked my credit all around, but clearly I was mistaken. XXXX has made me aware of the following inquiries and underneath, you will see the actions I have taken. For the blocked inquiries, I have not taken any action. 

XXXX ) XX/XX/year> XXXX Blocked a credit file inquiry by XXXX  XXXX XXXX XXXX ) XX/XX/year> XXXX Blocked a credit file inquiry from Capital One NA XXXX ) XX/XX/year> Capital One Bank USA NA got a copy of my XXXX Credit Report -I have called Capital One, they said an application was put in for a Platinum MC on XX/XX/year> and they marked the application as fraudulent and passed it onto their fraud department, they would not send me a letter of deletion to have this removed from my credit. 
-I called XXXX and put a freeze ( they said this would take XXXX hours, so if another one happens today, that will be problematic ) on my credit report and put a fraud notice on my credit for 1 year. Conf # XXXX They refused to help in any other way like communication with the banks that they gave my credit reports to. 

XXXX ) XX/XX/year> Capital One got a copy of my XXXX Credit Report -I called XXXX and put a freeze on my credit. They told me that they would also notify Capital One. I'm not sure if this is the same Capital one that inquired into XXXX the same day? 
-See above for communication with Capital One. 

XXXX ) XX/XX/year> XXXX XXXX  got a copy of my XXXX Credit report. 
XXXX called XXXX XXXX XXXX  and they told me that they were sending it over to their fraud department, but could not verify if an application had been put in for a card or a loan. The Case ID # is XXXX XXXX XXXX XXXX above XXXX ) XX/XX/year> XXXX Blocked an Attempted Installment Loan Inquiry from XXXX XXXX  XXXX XXXX 

Hopefully no other requests are placed within the XXXX period XXXX XXXX it would take for the freeze to be in effect. 

I am hoping that you can help me get these inquiries removed from my credit report and/or provide me with the necessary documentation to send to the credit agencies. 

Thanks so much!
Product: Credit reporting or other personal consumer reports

Contacted Experian to cancel membership, call keeps dropping on robot calls. There is no way to cancel online.
Product: Money transfer, virtual currency, or money service

I wish to file a formal complaint about Capital One Bank for negligence and lack of security measures on my account, which resulted in substantial losses I incurred.
Product: Checking or savings account

My account has had a freeze on it from XXXX XXXX XXXX I have sent in all the documents and everything they asked for. They took the hold off and assured me I could make that transfer. They put another hold on my account as soon as I made the transfer. I've been dealing with this for months
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in the month of XXXX i moved to Nevada into an apartment. During the move i submitted and address change through the post office. I had a leftover bill for XXXX aparments in the amount of XXXX. I sent them a check for that amount in hooes to handle that bill, but recieved the check and a letter from a collection agency about a month or so later stating i was in collections. It is not my fault he apartment failed to accept the check and then placed me in collections. It all happened during my move meaning somewhere along the lines there was an issue and the place should have accepted my check instead of sending me to collections with FCO. FCO will not remove or delete this. 
In XXXX of XXXX i switched from XXXX XXXX XXXX to XXXX with the promise that they would pay my disconnection fees. Found out this year in XXXX while trying to purchase, that XXXX failed to pay the bill and failed to notify me about this issue. They are accepting their failure and are paying me the amount owed for the bill but XXXX XXXX XXXX put it in collection with XXXX. If i would have been notified of their failure to pay i could have handled this before it went to collections. Due to XXXX negligence it has affected my credit and XXXX does not want to remove it from my credit. I have called both mutliple time XXXX and XXXX of XXXX and no one is willing to remove the mark on my credit. I took action and paid both but now im stuck with a negative mark till XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cant open checking accounts with any bank because they say from my report on Chexsystems which has inaccurate negative info on there and I want it removed I dont have any negative history of check cashing issues because I never can cash a check either due to what is reported in my report and its not fair Ive been dealing w this for years now and no one ever helps me or tells me why
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon selling our home, we transferred the loan on the solar panels to the new homeowner. The owner was required to become pre-approved and sign an agreement with Loanpal, aka XXXX ( as of XX/XX/XXXX ). Loanpal released the Lien on the home once all of the contingencies were met so that we could close. We closed on our Home on XX/XX/XXXX. The XXXX payment was autodrafted from our account and upon calling and inquiring Loanpal stated it was because the account had not been fully transferred but to not worry they would not be auto drafting our payment anymore. A couple of months go by and we started receiving letters regarding delinquent payments. We contacted Loanpal and they said to ignore the letters that the transfer process was not finalized but that it would not show up on our credit etc. XX/XX/XXXX The transfer process was finalized and we received a letter with a XXXX balance. However during the time between XX/XX/XXXX and XX/XX/XXXX Loanpal reported delinquencies to our credit report and they continue to report the balance due of our previous loan as well as the standing of the loan being 90+ pays past due. This has sent our credit scores plummeting and is false information being reported to the credit bureaus. Loanpal has refused to fix the issue when contacted. We have disputed the claims with the credit bureaus and are currently awaiting results.
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter over a month ago asking for the inaccurate information to stop reporting information
Product: Checking or savings account

On XX/XX/2019 I made a XXXX transaction through my bank to purchase broadway tickets. I was communicating with the person and once I sent the funds I never heard from them again. I initially sent a {$1.00} and the {$140.00}. Navy Federal returned {$1.00} but not {$140.00} staying they could not track the transaction. XXXX states that since the transaction did not happen through them they could not do anything.
Product: Credit reporting or other personal consumer reports

Got a copy of my credit report and I realized that there are late payments on my credit and it should not be there. This has been an ongoing issue XXXX late payments XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bought Bitcoin in XXXX and transferred them to a wallet on blockchain.com. Now I would like to withdraw the money ( about XXXX ) or send it to an other wallet, but I am no allowed to. I have been asked to send Information on how I purchased the Bitcoin, so I sent them the information on XX/XX/XXXX. But afterwards they didn't reply anymore and I am still not able to withdraw the money.
Product: Student loan

I have submitted complaints on the XXXX  website and they close my cases, but do not resolve. I have requested Fedloan payment history from the. new loan servicer XXXX but they replied that Fedloan did not transfer that over. The Fedloan payment history disappeared. I am a victim of Fedloan and XXXX XXXX adding on capitalized interest amounts to my principal loan balance to prevent the loan balances from ever going down. I borrowed {$63000.00} in XXXX XXXX loans for my daughter, XXXX XXXX. I have paid {$56000.00} ( could be higher ). The unpaid balance is {$48000.00}! This is due to both XXXX XXXX and Fedloan adding on huge amounts of capitalized interest at repayment, during forbearances, and after I paid ahead {$25000.00} and was told by Fedloan that no payments are due until XX/XX/XXXX. Then in XX/XX/XXXX, Fedloan added on {$5000.00} of Capitalized interest. I have a letter from Fedloan dated XX/XX/XXXX disclosing loan repayment terms. On page 2, under Anticipated Interest to be Capitalized : it states " Not Applicable ''. However, Fedloan added on Capitalized interest after this date, and before this date. I am XXXX years old, and retired from XXXX XXXXXXXX XXXX I worked XXXX  years for the XXXX XXXX That should qualify for public service forgiveness in itself.

Sadly, the Administration and Dept of Education has overlooked retired XXXX XXXX  who gave a lot more than XXXX  years of working for the XXXX XXXX 
There is no record keeping available for payment history. All the payment history has disappeared online. The Dept of Education has been looking at eliminating interest capitalization on federal student loans. I am aware of issue paper # 3 Interest Capitalization XX/XX/XXXX I am a victim of this interest capitalization. XXXX XXXX added on {$14000.00} of capitalized interest to my principal balance when these loans initially entered repayment! Fedloan added on capitalized interest multiple times : {$1400.00} on XX/XX/XXXX during a forbearance. They added on {$5000.00} in XX/XX/XXXX after telling me month after month that NO PAYMENTS are due since I paid in excess. My loans need to be cancelled. I want my complaint sent directly to XXXX XXXX. I am a good example of a retired XXXX XXXX  drowning in XXXX XXXX loans because the loan servicing providers were abusing capitalized interest. My XXXX XXXX  pension is 50 % of what my salary was. The answer is not applying for an XXXX loan. I can not be paying these loans back another XXXX  years when I am XXXX years old. I have already paid back over {$56000.00} for just XXXX XXXX, and only borrowed {$63000.00}. My loan balance can not still be {$48000.00}. I have submitted cases on XXXX XXXX. I have requested payment history from Fedloan and XXXX. I have received nothing. I want the XXXX to see this complaint, and the Department of Education. Also, President Biden should see my complaint. Thank you
Product: Debt collection

I have disputed this item before and they took it off, now they have placed the item back on my credit profile, I have know knowledge of the said account. I was a victim of ID thief and the company has been made aware of it several times.
Product: Debt collection

XXXX XXXX XXXX. has made a fraudulent claim on behalf of JH Liquidating Trust I to the Credit Bureau stating that I owe a debt of {$810.00}. They are stating per my credit report that the debt/collection was open in XX/XX/XXXX, however after speaking with them via phone, they stated that this is a debt from XXXX and was discharged on 2XXXX. They are refusing to give paperwork stating that this is a debt from XXXX and discharged in XXXX. It also states that the debt was discharged on my credit report however it still states that it is a new debt due to XXXX XXXX XXXXt. on behalf of JH Liquidating Trust I falsifying the date on my credit report. In the state of Virginia the applicable statue of limitations is five years. After the statue of limitations has expired, a creditor or debt collector can no longer file a collection of that debt. They are also in violation of the Fair Debt Collection Practices Act ( FDCPA ) due to this being a time-barred debt and falsifying the date of the debt as stated on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Illegally Obtained Accounts from Credit Report. 

XXXX XXXX XXXX XXXX. Account # : XXXX. Account # : XXXX. 
XXXX XXXX XXXXXXXX XXXX, Account # XXXX. 
Dear : CFPB I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that my personal information, compromised during the Equifax data breach, has been sold and bought illegally. Equifax has acknowledged my status as a victim of this breach, yet no action has been taken to rectify the situation. 

I am attaching proof of my victim status as documented by Equifax. I kindly request your immediate assistance in removing the unauthorized and illegal accounts from my credit report. The continued presence of these accounts is causing significant harm to my financial well-being. 

I Attached Document in file Proof of Equifax Data Breach Victim Status I urge you to investigate this matter promptly and ensure the removal of the aforementioned accounts from my credit report. Your cooperation in resolving this issue promptly is greatly appreciated. 

Thank you for your attention to this matter. I expect a swift and satisfactory resolution to this situation. Please provide confirmation once the unauthorized accounts have been removed.
Product: Checking or savings account

I had an unauthorized transaction for {XXXX  with XXXX XXXX  and an unpaid goods or service with XXXX XXXXmy bank makes me feel like my funds arent safe ..they froze my account before and they denied any dispute I submitted which makes me feel like Im better off keeping my money in my pocket..everything is fraud and sometimes they treat their customers like they do fraud and Im a good customer until I have a problem with a transaction
Product: Debt collection

Was given an amount for 2 accounts that were open and set up payment plan. Person stated the accounts were combined. Sent money and payed off in XXXX. Still receiving calls and mail when credit report shows everything has been payed. Can't get correct amount of money owed because it's been going on so long and the customer service for CRME doesn't know anything about it, they just go off what's currently on the computer screen.
Product: Checking or savings account

I made an ATM Deposit at the chase XXXX branch in NY the amount was {$1800.00} USD but after the investigation they said was only & XXXX. I file a claim since day 1 but chase doesnt help me to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Federally Protected Consumer with Federal Rights under the FAIR CREDIT REPORTING ACT DECLARED BY FEDERAL CONGRESS. I have the right to a Fair and Equitable to me consumer report. Equifax is reporting INACCURATE information that should not be on my consumer report. And after multiple attempts of trying to get EQUIFAX to remove the information that should not be there and them not complying. I'm now needing the assistance of the CFPB to help them comply and ensure my rights under the FCRA are enforced, protected complied. EQUIFAX REMOVE THIS ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX from my consumer report. EQUIFAX REMOVE THESE INQUIRIES XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX Remove XXXX STATEMENT FRAUD ALERT from my consumer report. Under the CARES Act furnishers must make accommodations. I have asked these furnishers I'm going to list in this complaint to REMOVE LATE PAYMENTS Under the CARES Act as accommodations and under the FCRA billing errors these late payments should not be on my consumer report. THESE ACCOUNTS ARE ALL EXTENSIONS OF CREDIT, PROMISSARY NOTES THESE TRANSACTIONS WERE ALREADY PAYED IN THE BEGINNING SO ITS IMPOSSIBLE TO BE LATE. EQUIFAX REMOVE LATE PAYMENTS IN THESE ACCOUNTS. XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. UNDER the CARES Act, FCRA remove these late payments, Under the FCRA REMOVE ADDRESS, INQUIRIES, REMOVE CONSUMER STATEMENT. I have the RIGHT TO A FAIR EQUITABLE REPORT UNDER THE FCRA EQUIFAX COMPLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. BANK OF AMERICA XXXX Balance {$9500.00}
Product: Credit reporting

After XXXX Bank/XXXX, their attorney XXXX and XXXX Court Dispositions in my favor clearly : 1. acknowledge the account is the same as is listed on my file 2. linked them, the account, the court case and amount as the same entry listed on my credit profile. 
3. received documents prooving all of this SEVERAL times, on several occassions b fax, direct upload and certified mail ... 
Both XXXX and Equifax STILL HAVE NOT REMOVED THIS FROM MY CREDIT FILE AS A NEGATIVE CHARGE OFF. WHAT MORE DO THEY NEED? EQUIFAX has not even updated my address as requested, as is obviously noted by all parties and in the court documents. They have claimed to investigate and reinvestigate and received verification from XXXX when the attach say different.
Product: Debt collection

Dynamic Recovery Solutions sent me a text without the required collection notice information. It simply stated that I owe money, doesn't say who they think I am, and propose a payment plan with a link to pay. This is not a proper collection notice. And it seems like they are trying to trick strangers to pay their collections accounts owed by somebody else. I am attaching a copy of the text msg.
Product: Debt collection

The company by the name of XXXX XXXX XXXX keeps re-aging the debt to make it looks current. In this case it is not.
Product: Credit card or prepaid card

I used my credit card in a foreign country ( XXXX, XXXX, XXXX ) to pay for a meal at a restaurant. The restaurant has a relationship with another company in XXXX XXXX, Nevada, XXXX where the charge is forwarded to. That company submitted the charge to Capital One as a cash advance after adding an unidentified fee. Capital One charged me a fee for a cash advance and interest. I did not receive any cash and only paid for a meal at a restaurant with my credit card. This resulted in XXXX additional charges or fees in addition to the expected charge for the dinner : 1. The 3rd party in XXXX XXXX, Nevada added an unidentified fee and passed it off as part of the exchange rate. The reason I know this is because the restaurant owner later explained to me that the restaurant pays no fees for the credit card transaction but the third party adds additional fees to the charge and hides it in the exchange rate.

2. Capital One had a fee for a cash advance.

3. Capital One accessed interest on the cash advance. 

As of now, I have done a charge back related to the charge and went personally to the restaurant and paid them in cash. The restaurant told me they would accept the charge back. Capital One posted the charge back but the waiting period has not yet expired. It is possible the 3rd party out of XXXX XXXX will dispute the chargeback. Since I had no relationship with this 3rd party and the original vendor ( the restaurant ) is in XXXX and I am back home in the XXXX. it might be difficult for me to do anything about this. If that happens that means I paid for the meal twice, paid extra for fees hidden as part of the exchange rate, paid a fee to Capital One and paid interest on a phony cash advance. 

There should be a rule or law that makes the credit card companies ( Capital One in this case ) responsible for fees or charges on transactions when unidentified third parties are involved. After all, I have no relationship with the third party in XXXX XXXX that added the additional charge and passed it off as part of the exchange rate. Furthermore, that company said it was a cash advance when it wasn't resulting in additional fees and interest from Capital One. Finally, Capital One directly charged me a fee for a phony cash advance and charged me interest. 

Does this seem right? How many others have been duped without knowing it because the additional charge from the third part was hidden as part of the exchange rate?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency.

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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.

I AM REQUESTING YOU TO PLEASE PROVIDE ME WITH THESE 4 THINGS BELOW, IF YOU CAN NOT PROVIDE ME WITH THESE FOUR THINGS PLEASE REMOVE ALL OF THESE ACCOUNTS FROM MY CREDIT REPORT.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX XXXX  Account XXXX XXXX 4. Account Name : XXXX XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX 7. Account Name : XXXX Account # XXXX 8. Account Name : XXXX Account # XXXX 9. Account Name : XXXX XXXX  Account # XXXX 10. Account Name : XXXX XXXX XXXX  Account # XXXX 11. Account Name : XXXX XXXX XXXX Account # XXXX 12. Account Name : XXXX XXXX Account # XXXX 13. Account Name : XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

company for whatever reason pulled my credit report, it was not authorized and now I have another inquiry on my report... collection agencies has NO reason to pull a credit report as I didn't apply for credit and its NOT required to report a bad debt. 

My Theory : they pull your report, looking for bad debts to hassle you about, in an attempt to make money!! 

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

I have an issue with someone else 's information reporting on my credit report with Experian. I recently discovered the problem when I applied for credit with XXXX XXXX on XX/XX/2020 and Athorize.net merchant account on XX/XX/2020. They said I had negative items and a lack of credit. When I checked my report with Experian and free annual ( attached ), there are no records that match the decline reasons. So today, XX/XX/2020, I reached out to Experian at : ( XXXX ) XXXX XXXX XXXX CST and spoke to them ; the lady verified my account and discovered that the same name with social security number ending XXXX had been mixed with my profile. She transferred me to the special service department, and I spoke to XXXX in XXXX, TX. At least that is what he said. He became very argumentative and hung up on me! He cut me off and would not allow me to explain my reasons to calling, and so forth. I personally dont think he was in the United States because I could not understand him. I have attached the call to listen to!! I am distraught that I can talk with an actual person from the United States to understand and resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX account balance XXXX opened date XXXX XXXX this account is not mine I did not open this account with the company an Experian XXXX XXXX XXXX, XXXX XXXX, CA is reporting this account on my consumer report as well