23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to formally address an issue concerning the handling of my claim # XXXX. Capital One has consistently ignored my emails and calls in regards to this claim and even claimed the reason for denial was due to me not sending them any information in regards to the dispute. I opened over XXXX complaints with the CFPB in regards to this and in the latest XXXX they did not respond back at all. 

On XX/XX/2024, I submitted detailed information related to this claim via email to XXXX, as directed by earlier correspondence. However, I received a denial notice dated XX/XX/2024, which incorrectly states that I did not provide supporting information for my claim.I would like to address the following points : Submission of Documentation : I have attached copies of the emails I sent on XX/XX/2024, along with the relevant documentation to support my claim. It appears there have been an issue with the receipt or processing of this information on XXXX XXXX end but their solution is to blame the consumer/customer and put all fault on them. 

However, I have not been provided with any written documentation or specifics from the merchant to contest this amount. This lack of transparency prevents me from adequately addressing the validity of the disputed amount. It has also come to my attention that despite my attempts to resolve this matter, there has been no meaningful review of the complaint. Additionally, I have not received a thorough investigation into the details of my dispute, as indicated by the lack of response or review of my recent complaint. 

Given these issues, I respectfully request the following : Re-evaluation of the Claim : Please re-evaluate my claim in light of the attached documentation and the concerns raised regarding the lack of proper investigation. Provision of Merchant Documentation : Provide me with written documentation from the merchant regarding the {$100.00} deemed valid, so that I can address and refute any discrepancies. Confirmation of Receipt : Confirm the receipt of the attached documentation and ensure that it is reviewed as part of the claim process. 

I believe Capital One to be practicing in bad faith of its consumers and not properly investigating issues/complaints that arise and also lying about receiving information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in questi on (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ). Th ey admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  XXXX  they have hurt. Their mistake cost me  XXXX  points on  my credit score.    Contract monthly payments are  XXXX . We pay  XXXX /month to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested written documentation with my original signature from collection agency by certified mail also informing them that they had 30 days to provide documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX C/O XXXX XXXX Partial Account # XXXX They failed to do so and I submitted a second letter demanding they remove debt from 3 major credit bureaus because they failed to provide requested documentation. Approximately 10 days after the 30 days passed I received a letter from Collection agency with documentation that had a signature not belonging to me and another individuals name not belonging to me. All letter disputes were mailed to credit bureaus. Trans Union did not remove debt but in turn sent me a letter stating the debt was valid. The letter Trans Union mailed to me has incorrect middle initial in my name, which makes me think they have wrong information or incorrect spelling of my name on my credit report. XXXX requesting more information to identify myself. I would like to submit a complaint regarding the signature and validity of this debt not belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX Scheduled payment amount reported by EQUIFAX and XXXX is incorrect and according to FCRA should be corrected and updated. I have documented proof but EQUIFAX and XXXX will not allow me to upload the documents online. Equifax and XXXX is stating that my monthly scheduled payment is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payment and EQUIFAX and XXXX refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving XXXX AND EQUIFAX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at EQUIFAX and XXXX even though they used to show the correct amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts and records XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX are not mine. I am coming to you to contest against accounts listed under my name and I know are not mine. I have sent several letters to the company and credit reporting agencies on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted the listed companies as well. It is stated per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company. I am fully aware that NO court system provides any type of court filing of bankruptcy or record. Where are you actually getting the record from and what authority do you have to give that information?
Product: Debt collection

on XXXX XXXX, 2017 of this year a Massachusetts Judge dismissed a lawsuit that Portfolio Recovery had brought against me and the could not prove that they were the rightful owner of the alleged debt. See Court Case # : XXXX public record on XXXX They have been Reporting to XXXX  credit bureau that the debt is valid and have done harm to my credit report and it has adversely affected my credit score. I need this removed from all credit reports immediately. If this is not swiftly addressed I am filing suit against them for their continued blatant disregard of the law. 

Please see attached document.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to human trafficking debt bondage, which falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following items : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

On XX/XX/XXXX I spoke with XXXX XXXX about refinance and decided on XX/XX/XXXX not to proceed with refinance with them as I received a better rate. Contacted Mr. XXXX on that date and asked that he forward my loan to XXXX XXXX XXXX. After speaking with my Mortgage lender I was informed that Mr. Cooper did not forward this information. Contacted Mr Cooper and was informed that I submit it in writing to the underwriting department and was given the email address and was informed that it would take 3-5 business days to be released to my new lender., I submitted the letter dated XX/XX/XXXX to the email provided. On XX/XX/XXXX I was informed that this did not occur, I contacted them again and spoke with XXXX in Customer Service and he stated that he would email his supervisor about the issue and the supervisor would be contacting me. I have received no response, this has been going on for over 60 days. I would like my FHA loan transferred or a person to call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Score from CREDCO-SB submitted to a mortgage company is at XXXX ' ( XXXX ) which was based on XX/XX/2019. It was reported that I have -'serious delinquency ' -'too many delinquent accounts ' -delinquent account appears too recent ' These are not true and I refute all of these. We pay off our credit cards in full every month. 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

Ive had a Chase credit card since 2014 and made payments on time for 4 years. I set up automatic payments by phone, but they didnt go through and I was delinquent 2 months so they closed my account without my knowledge. I got an email to make a payment before XX/XX/XXXX so I made a big payment by phone for {$560.00} on XX/XX/XXXX and was confirmed by a rep. I also set up automatic payments for the rest of the year to pay off the balance. Was told that my account was now up to date. On my credit report its showing account closed and my score dropped XXXX points. I have been trying to resolve this for a month and keep getting passed around on their automated system. A chase branch rep, actual human told me to call the credit bureau Dept and I couldnt not get a hold of that Dept. I got a job that pays more and will be able to pay this credit off, but need this negative strike removed and my account back open to show my history with Chase.
Product: Money transfer, virtual currency, or money service

I had transferred funds from my personal checking account to my moneylion account. Then about an hour after I get a notification stating fraudulent activity was going on. I quickly checked my moneylion account and by then all my money in my account was drained. 
I asked how is it possible someone took my money and they responded stating someone used my virtual debit card and did about XXXX transactions. I was informed they would open an investigation and it would take 10 days however after a few days i received an outcome stating the transactions did not fit a fraud pattern and moneylion is now refusing to credit back my stolen funds. 
Also another thing I did want to mention prior to me adding funds I had enrolled in a new subscription with their company called moneylion WOW. When I signed up I did make my first money payment with my virtual card. 
All I could think is their system was hacked and they got the info to my virtual card
Product: Debt collection

REPEATED telephone calls from Portfolio Recovery Services. 
Account information shared with my girlfriend, not spouse. Did not ask her to verify that she was married, nor if she had permission to discuss my accounts. They freely shared my address, date of birth and full name, date account opened/closed, balance info, etc and then ASKED HER to confirm its accuracy. 

Saturday XX/XX/2020 - ( XXXX ) XXXX *Missed called, attempted to return but 'call not be completed as dialed ' Tuesday XX/XX/2020 - ( XXXX ) XXXX *Spoke with rep, informed there would be a return phone call once research was done regarding the debt Thursday XX/XX/2020 - ( XXXX ) XXXX *Spoke with rep informing of Tuesday conversation and that no further discussions would occur until personal research was completed Friday XX/XX/2020 - ( XXXX ) XXXX *Missed call, attempted to call back but 'call can not be completed as dialed '
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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
Product: Student loan

I have excessive student loan debt with Navient. My loans were placed into programs that do not allow for them to qualify for the public service forgiveness program. I was under the impression my loans would qualify, however when I submitted my paperwork I was denied and it was stated my loan terms did not qualify. This was never communicated to me when my loans were acquired. I have only ever worked in the XXXX XXXX field. My loans are a financial burden ; I basically work to pay my student loan debt. I have had to cash out XXXXks and still am nowhere close to paying them off. The compiled interest makes it impossible to payoff until I retire ; I owe almost 2x the amount I originally borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report without authorization Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report, as I am a victim of a recent data breach. Under my rights pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these inquiries be removed to prevent any further unauthorized access or potential fraudulent activity. 
Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered unauthorized information in my name being used on my credit report. I have placed multiple disputes and complaints, and police reports with these companies, But these companies continue to show neglect by refusing to remove the account. Attached below is an affidavit that was sent to me from " XXXX XXXX XXXX " This attached affidavit was completed and emailed back to " XXXX " on XX/XX/2022, XXXX. 
The affidavit was emailed along with an FTC report, which is also attached below. The affidavit was notarized and signed by law enforcement as instructed by the company to get the account removed. The affidavit was also attached to multiple CFPB complaints which will be listed below as well. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. If the account is not removed a federal charge will be filled against both companies " XXXX XXXX XXXX " and " TRANSUNION ". This charge may lead to a lawsuit. 

Citizen Complaint Center Antitrust Division XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This company has not explained the hold they are placing on my transactions. I do not have a 2-step validation and yet they want me to respond with a " yes or no '' to purchases. My sources state that CHIME has been money laundering stolen checks and their Modus of Operandi is to put a hold on legitimate purchases so they can use your message of " yes '' to validate illegal transactions. I have not cashed a check over XXXX dollars, with Chime. The check was a refund for a month of service with XXXX XXXX. XXXX XXXX carried on business in the same manner. I did not have 2-step validation with them either, however, they required a recording of my voice to conduct transactions. When I refused to give it to them, XXXX XXXX started sending text messages to approve purchases and that is when I discovered the fake accounts in my name that were doing illegitimate business and sending the statements to an alternate email address. CHIME, mimics XXXX XXXX 's fraud, and when I first filed this complaint all of the 2-step verification stopped immediately. Now that CHIME thinks the case is closed they are repeating the same fraudeulent activity. 
I do not want 2-step validation with this bank, nor do I want text messages from them. 
I am reporting CHIME to FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly shared/ reported a Bankruptcy attached to my name to the three Credit Bureaus ( XXXX , Equifax and XXXX ) I disputed the inaccurate information with the credit bureaus several times. Each time they told me the BK was verified through XXXX XXXX. I contacted XXXX XXXX via phone in XX/XX/XXXX and explained to them my issue. XXXX XXXX started an investigation and after thoroughly investigating they realized the error and removed the BK from my report. In addition, they mailed a letter to me in XX/XX/XXXX. I submitted a dispute to all 3 CBs and attached the letter that is on official company letterhead stating the BK was deleted from my file. All 3 CBs responded to my dispute and said the account was verified. This is inaccurate and they did not investigate with XXXX because it would have shown that this was an error and was not my BK. Under the FCRA, companies must conduct free of charge a reasonable investigation of this dispute. I did not receive this from XXXX, Equifax and XXXX. I notified XXXX XXXX on XX/XX/XXXX and they stated they will submit a request to delete this information and the 3 CBs ( Equifax, XXXX and XXXX ) have yet to remove this erroneous information from my account.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting or other personal consumer reports

My first year in college, my mother took at a private loan to assist me with college through Sallie Mae, without my consent. I was unaware of the loan, yet it was associated with my social when it was created. My parents then claimed XXXX, and the loan was put into a delayed status, then a payment plan was created. Each payment of the plan was made, on time, and we have record of the payments. When Sallie Mae was absorbed by Navient, or however they merged, the payment history on their end seems to have vanished. I have been harassed regarding this loan by Navient for almost XXXX years. They have consistently reporting it against my credit despite numerous attempts to resolve and explain the situation. I have had this discussion with Navient multiple times, and it involves multiple harassing calls and me explaining the situation over and over again to various individuals until I'm told its been resolved. Then I may have a short reprieve before they begin calling again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy between the payment I made to XXXX XXXX XXXX and the incorrect information that was reported to the credit bureaus. 

On XX/XX/2022, I contacted Bank of America 's collection service provider, XXXX XXXX XXXX, and made a payment in full for the total amount of {$8500.00}. On XX/XX/2022, XXXX XXXX XXXX withdrew the total amount of {$8500.00} from my checking account. The debt to Bank of America was considered paid in full. 

Unfortunately, to date, my payment to Bank of America via XXXX XXXX XXXX is still not reflected on my Bank of America account, nor have been updated on my credit report. My credit report incorrectly indicates that my Bank of America debt was, " charged off, '' which is false and derogatory information on my credit record. I provided my payment in full, via phone to XXXX XXXX XXXX at XXXX XXXX XXXX on XX/XX/2022. According to my records, I followed up with XXXX XXXX XXXX representatives XXXX XXXX via phone. Due to the delay in updating the systems with my payment status, I am concerned my payments were misappropriated. 

Please view the attached associated emails.
Product: Credit reporting or other personal consumer reports

I contacted XXXX on XX/XX/year> to dispute some inquiries on my credit report. I asked the agent could she start a dispute for me and she told me that she could not dispute or remove the inquiries. The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like for these to be removed from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX XX/XX/2023 You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX account # Acct # XXXX ), has violated several of my rights.

15 U.S.C 1681, section 602A ; Clearly states that 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 instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a consumer report under an open-ended credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act Sincerely,