23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I do not have specific dates other than a time frame from XXXX XXXX XXXX to present day, XX/XX/. I have called Capital One regarding my XXXX credit card at least 5 times since XXXX of this year to let them know that we are in financial hardship and struggling to manage our unsecured debts including theirs. In the very first I asked for zero interest going forward and a payment equal to or less than the {$150.00} per month I have had on auto pay. The person on the phone offered 10 % interest but with a much higher monthly payment. I clarified that I can not make payments higher than the {$150.00} per month currently being paid. He offered two other ways to " bring the account current '', one of which was pay the entire past due payment amount and the other a much higher payment amount monthly with no other conditions. When I rejected all of those options he suggested I call back in a couple of weeks to see if any other plans were available. I called back as suggested and was told that no interest reductions were available and once again my options were to pay all overdue amounts ( my {$150.00} per month was less than the interest charged monthly ) or a much higher monthly payment with no conditions. Since that call in XXXX I have received frequent phone calls, emails and USPS contacts that all offered the two options : pay the total amount past due ( today over {$1300.00} ) or pay {$260.00} a month for the privilege of " bringing the account current ''. Several other calls initiated by me since XXXX have resulted in the same offers and refusal to recognize what my needs are. Last month I stopped my payments and today I called to once again ask for the interest rate to be XXXX out and my payment set at {$150.00} per month for 24 months. This request would pay the account down by almost half in two years, bringing it to the point where my payments could once again cover principal and interest. I was once again offered the exact same options of pay all the past due at once or {$260.00} per month for no benefit other than " bringing the account current ''. I pointed out that this card was originally issued with a zero interest charge and that Capital One has continuously marketed that zero percent card to new cardmembers. The response was we can not do that for you. I advised the lady on the phone that Capital One had helped us as we came out of bankruptcy with the zero percent card, and now they appear to be XXXX bent on driving back to bankruptcy. To make things perfectly clear, I have offered for six straight months to pay what I owe to them on very specific and very doable terms, and they have refused to accept my offer to pay them back. At this point I will no longer make any payments to them and I have no intention of ever applying for any new account from Capital One, just as we have refused to do business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and several crooked mortgage lenders who collectively drove us into bankruptcy the first time with predatory lending and immoral if not illegal collection practices.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. This is my fourth time trying to get this matter settled. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. I do not have this error with any other credit reporting agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have been trying to solve a problem that I have with this company in my credit report, where backed by the laws that protect the consumer according to the FCRA, all the information shared by the companies must be accurate and precise or else it must be removed from the consumer report. 

For more than 10 months I have tried to reach a solution by sending reports by all means even sending a report directly through this CFPB portal, where unfortunately the results remain the same, the laws imposed on fair credit are not respected. 

The company YAMAHA MOTOR FINANCE, in the report it has with XXXX, expresses that the status of said account is " account paid in full ; the a charge off ''. 

As you can see in the attached document of the company the payment history of that account is OK, during multiple occasions I have asked the company to please verify the information and it is modified, or otherwise deleted from my report. 

As you can see in the document they respond that the information is correct and accurate, which in the documentation there is nothing correct and precise because if the account shows an excellent payment history, how can it show that the account had a charge off, so I demand it by relying on the laws to the fair credit that this company in conjunction with XXXX, take all the measures, I am notified by postal mail all the research they carry out, where they demonstrate in which month the account was in charge off, what are the months that was not paid so that the account was in said charge off. 

The account says that it was closed on XX/XX/XXXX, with an excellent payment history but in the status I see a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
Please remove this XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

Hey EXPERIAN, XXXX, XXXX, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - ( Experian, XXXX, XXXX ) -This account is not showing maximum possible accuracy Reporting as a One Month Term but was opened XX/XX/XXXX then 8 month later reported the first month payment on XX/XX/XXXX then Starting XXXX to XXXX showed late payments then closed on XX/XX/XXXX its to many false information reporting according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately as seeing the account is paid and closed and for violation of 15 USC 1681e ( b ), 15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXXXXXX - ( XXXX, XXXX, Experian ) This account is not showing maximum possible accuracy its reporting a 30 day late payment in XXXX and XXXX is still the current month also said lender says they " We have completed the investigation into your dispute and confirmed that the accounts ) in question was closed and has not been reported to the credit bureaus. At this time, we consider the matter resolved and no further action is required by you. '' according to 15 USC 1681e ( b ), its not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ,15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXX XXXXXXXX - ( XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ( XXXX ) ALSO THESE INQUIRIES ARE NOT ACCURATE AND WAS NOT AUTHORIZED AND NEED TO BE REMOVED FROM ALL APPLICABLE BUREAUS : NAME : Inquiry Date : BUREAU : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian EXPERIAN XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian 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 XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 Thank you for your time and attention! 

Sincerely, XXXX XXXX
Product: Debt collection

MY NAME IS XXXX XXXX I AM MAKING THIS COMPLAINT ON THE BEHALF OF MYSELF WITHOUT ANY THIRD PARTY OR INFLUENCE PLEASE SEE THE ATTACHED DOCUMENTS AS THEY STATE MY FULL COMPLAINT
Product: Debt collection

XXXX XXXX XXXX XXXX - XXXX - balance = {$1500.00} ... 
this debt was paid, must remove XXXX XXXX - XXXX - balance = {$240.00} this is not my debt, plus they are violating my consumer rights, illegal contacts, wrongful charges and never resided at that address. 

XXXX XXXX XXXX XXXX - XXXX - {$3200.00} I never received product from XXXX XXXX. there was a police report and I was told they was going to clear my balance to know this company is now violating my consumer rights as well. this must also be remove XXXX : these files are on my XXXX and they have giving me a hard time, the other bureau been took the off and can't understand why XXXX thinks this is my debt. This is clearly not me. They also need to cut me a check for violating my consumer rights ...
Product: Credit card or prepaid card

I previously applied ( online ) for a consumer credit transaction at Carmax on XX/XX/2022 and my application was denied. 

I sent a certified letter to Lawyers explaining they violated my consumer rights which was received XX/XX/2022 The Company did not provide an official response. 

I sent an Adverse Action Letter to the lawyers certified letter received XX/XX/2022 explaining they were violating consumer law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k.

Carmax is criminally liable for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by Carmax due to the response I received. 

Carmax is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 10002 because I, the consumer, made an application in good faith, but credit was not issued.

The company provided no official response I sent an email XX/XX/2022 explaining the adverse action company did not respond I was unable to speak with their consumer relations team directly they only accepted emails and letters
Product: Credit card or prepaid card

We went to RoomsToGo to purchase furniture. We made a purchase and are awaiting delivery. So far, no problem. Then we received two credit cards from Synchrony bank for RoomsToGo. We did not apply for a Credit Card, make an inquiry about a Credit Card nor show an interest in a Credit Card with Synchrony Bank RoomsToGo.

When we tried t

o call Sychrony, it was like pulling teeth. Finding a number was difficult and it took several calls with long wait times to get a hold of a person. And of course, there is the frustration of being hung up on. The end result was that we were told to just destroy them. I can only hope it works. 

We had a Sam 's Club card that turned out to be from Synchrony and after I cancelled it, they still put a charge on it ( Sam 's Club membership ). And I had to go through the same awful experience to insure the account was closed.

Synchrony Bank is not someone you want to do business with for a variety of reasons which include, among others, a horrible interest rate, horrible customer service and undependable results ( in my experience. )
Product: Checking or savings account

On XX/XX/XXXX I went to the Capital One Bank located at XXXX XXXX XXXX XXXX, XXXX, LA to deposit {$2000.00} to my checking account. This branch is temporarily closed and you must use the atm machine for all transactions. The time was approximately XXXX central. I pulled up to the last atm machine on the right in the drive-thru. I put my card in, then PIN number, and then said I wanted to deposit money. I put the bills in the door and the machine took the money and sounded like it was counting. The machine then said that there was a problem and opened the door to return my money. I attempted to grab it but was not able to get all of it. It sucked it back in and tried to push it back out again but I couldnt get ahold of it. It did this a couple of times with the metal door opening and closing but there was never enough of the bills showing for me to grab. Finally, I noticed that some of the bills were crumpled and the door shut and didnt reopen. At that time, a message came on the top of the atm screen saying that the machine was closed for deposits and could only do withdrawals. I immediately logged onto the banking app to see if anything showed up for the transaction. I also counted the money that I was able to grab which was {$800.00} of the {$2000.00} I was trying to deposit. I called my husband who called Capital One on a three way call and was on hold for about 35 minutes before speaking to a representative. She took all of the details to open a claim and told me that there would be a provisional credit given while the claim was under investigation. I received the provisional credit a day later I believe. I did not leave the atm until the claim was submitted and the representative told me that I could. On XX/XX/XXXX I received an email stating that the claim was denied and that the provisional credit would be reversed on XX/XX/XXXX. I immediately called the claims department and asked them to reopen the claim and send me all documentation used in their decision making process. On XX/XX/XXXX I received a letter and an email. The documents that I was sent was a two page search query showing that I hadnt made a transaction on XX/XX/XXXX. Later that day, I went to a Capital One branch that was 30 minutes away to try to speak with somebody. They told me there was nothing that they could do but I should call the claims number and ask to speak to a supervisor. I went to the car and did this and was told the same thing again. The case could not be reopened and the investigation had been done and didnt show anything abnormal for that day. I wanted them to look at video surveillance or look into the worker that must have come and gotten the machine working again but this was denied. I have no idea what steps to take next. I have lost {$1200.00} to my bank who I trusted with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing, reporting and complaining on the unfair, fraudulent acts of this company for almost two months. Commonwealth financial reported to accounts to my credit report and disputing them because they are not mine. I requested validation, which commonwealth financial has refused to provide me with LEGIT, LEGAL VALIDATION. I was only sent a letter with a hospital name a diagnosis code ( WHICH IF THIS WAS MINE IS ILLEGAL FOR THEM TO HAVE ANYBODY MEDICAL INFORMATION WITHOUT THEIR PERMISSION AND IS A HIPPA VIOLATION ) and two amounts. This is not VALID VALIDATION. Proof of VALIDATION include leases, promissory notes, credit card statement, Medical Consent, contracts with an original signature from the Original Creditor NOT the collection agency. After all the disputing commonwealth financial claim they are sending this back to the original WHICH IS A LIE THEY ARE STILL HOMDING THIS DEBT TO RESUBMIT TO MY REPORT, or resell this debt! This do not belong to me, and it needs to stay off my report.
Product: Money transfers

This is the 3rd instance where I 'm sending an international money transfer with Western Union and there is a screen asking for bank username and password. I have notified Western Union and they reported that there is no such request from their website and have not been willing to follow up with this and resolve it. My bank account was just compromised and this is the only website that had access due to this screen built in. I took a screenshot this time to prove it. The company should be fined or shut down for encouraging data theft and not investigating it properly.
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and fixed from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to Transunion, XXXX and XXXX  3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Debt collection

XX/XX/XXXX Transworld Systems , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX To Whom It XXXX Concern, Re : Disputed Collection Account for XXXX XXXX XXXX XXXX, Account Number :, XXXX XXXX Number : I am writing to you as a follow-up to my previous dispute regarding the above-referenced debt, which has been inaccurately reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute this debt and request that it be verified. This letter serves as a formal demand for the immediate removal of this collection item from my credit report, as you have failed to provide adequate verification as required by law. 

On XX/XX/XXXX, I contacted Transworld Systems via phone and spoke with a representative to dispute the validity of the aforementioned debt. I specifically requested detailed verification of the debt, including evidence of my obligation to pay, such as the contract bearing my signature, and documentation showing the date the account was opened and how I allegedly incurred this debt. In response, you provided only a statement from a billing cycle of XX/XX/XXXX, which fails to meet the burden of proof required by the FDCPA. This statement does not include applications, my signature, or information regarding when the account was opened in my name. 

Furthermore, the address associated with this account is one where I have not resided for over XXXX years. This raises significant concerns about the accuracy of your records and the legitimacy of the debt in question. 

In XXXX, I was verbally offered a 30 % settlement by XXXX XXXX, yet I received no written confirmation of this offer. Instead, the debt was transferred to your agency, which has since failed to provide the necessary documentation to verify the debt 's validity. 

Given these circumstances, I demand the following actions be taken immediately : Provide comprehensive documentation that verifies the debt, including a contract or agreement signed by me and detailed account statements showing the creation and calculation of the alleged debt. 
Remove the collection account from my credit report with all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) immediately, as per the FCRA 's stipulations regarding the reporting of unverified debts. 
Cease all collection attempts and communication regarding this unverified debt. 
Should you fail to comply with these requests, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies through XXXX XXXX XXXX, including seeking statutory damages, actual damages, and attorneys fees for violations of the FDCPA and FCRA. 

I expect a response to this letter within 15 days, confirming the removal of the disputed debt from my credit report and cessation of all collection attempts. 

Sincerely,
Product: Debt collection

I XXXX XXXX XXXX DO NOT NOR HAVE I EVER HAD AN ACCOUNT WITH XXXX XXXX XXXX. 
XXXX XXXX XXXX Reported : XX/XX/2020 {$170.00} Needs Attention