23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

In rebuilding my credit, I 've opened  XXXX  accounts w ith Capital One and  have never missed or had a late payment.     For reasons unbeknownst to m e, Capital One r estricted my last open account without disclosing any information why on a Saturday in  XXXX . My card was simply unusable.     Upon callin g Capital One, the c ustomer service rep informed me that s/he was unable to help as it was a weekend and that I would have to wait until Monday to speak with the fraud department. After waiting through the weekend, I called on Monday to the fraud department. They informed me that there was an " internal investigation '' and my account would be on hold for up to 30 days. When asked why, they said there was no further information they could give me and were unable or unwilling to escalate my call to a manager.     I called almost weekly as I still had not received any information from  Capital One.  On  XXXX   XXXX , after receiving a call fro m Capital One ( the *first* contact from them on their end ) w here the fraud representative said she still did not understand what was going on with my account and she 'd update me in a week, I went online to check my account.      Capital One ha d closed my account on  XXXX   XXXX  and, again, never informed me, or even informed their fraud department, as the individual that called me still said that she was unable to see any information on the account.     I called in again and would n't get off the phone until they transferred me to a supervisor, even though the rep advised me that " they wo n't be happy that I 'm transferring you. '' After being put on hold, the supervisor said that due to an internal error they closed my account, having nothing to do with me, my payment history, or my credit, and that the decision was final and I should be receiving a paper notice in the mail within the next week.     To be clear : no matter if you make your payments consistently and on time, never ONCE have a late payment, and have more than one account with them ( I also have a car loan and other credit accounts -- ALL in good standing and not one ever having a late payment ) Capital One can and will just close your account, never inform you, and then, after 45 days of no contact or explanation, state that the agreement you sign says they can close your account for any reason.     This is unconscionable behavior for any company, let alone a company with the power to control and rate, your credit. Beyond disappointed in ho w Capital One treats  their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. this ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i he the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions due to these violations of my rights i have been denied use of my va home loan for years and have dealt with constant homelessness even at this point. it has caused me a lot of grief and pain and cost my marriage. the amount of damage that has been caused due to violation of my rights cant be accounted for
Product: Credit card or prepaid card

Comenity Bank emailed me a notification of the minimum payment due on my XXXX Credit Card account ( 10 days before the payment was due ), and also indicated that minimum payment amount by XXXX on their web payment portal ( I did not type in a custom payment amount ). I paid that amount and thought my account was in good standing, until I received a notification from my credit monitoring service that Comenity Bank had reported my account as >30 days late. I have 20 years of credit history, 12 with that card, and have never had a late payment. I called them to ask why they had reported me, and they said that the minimum amount that I owed was actually higher on my paper statement than was indicated in their email or on their web portal because I had returned some merchandise in the interim. I asked them if they would be willing to revise their report to the credit bureaus given that 1 ) it was easy to see how I could have been misled by their emails and web portal ( especially since I have opted out of paper statements and only receive electronic notifications ), and 2 ) the amount of returned merchandise could also be seen as more than sufficient in terms of " minimum payment. '' They have refused to acknowledge any part in misleading me or to help repair my credit rating ( which has dropped 100+ points ), but are happy to charge a {$38.00} late fee and an egregious 27 % interest rate on the balance.
Product: Credit card or prepaid card

My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX NJ, XXXX Somebody made a fraudulent payment with my credit card, Bank of America is denying my claim because I already pay it off on the credit card. Which I did, to not get charged interest. Bank of America needs proof that I did not make the payment. The charge was XXXX $ on XX/XX/22 The fraudulent payment was made with XXXX XXXX XXXX XXXX XXXX, when I called XXXX XXXX XXXX XXXX they told me they couldnt open a case because I dont have a account with them, now Im stuck with a XXXX $ charge that I will not pay.
Product: Credit reporting

my report received- # -XXXX-is violating my constitutional rights for a correct credit report and score. the bureau Experian is smearing me by embedded addresses, inquireies, and refusing to investigate the wrong negatives on my credit report. I have made contact with them numerous times and all they give is a embedded answer and nothing done ...
Product: Money transfer, virtual currency, or money service

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

I applied for the MD HAF program. MD Homeowners Assistance Fund in XXXX of XXXX. I submitted all my documents to the MD HAF program. MD HAF requested documents from my Loan Servicer Guaranteed Rate on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX. I've called Guaranteed Rate several times and was told that the documents were sent to the MD HAF program. MD HAF has stated that Guaranteed Rate has not sent the required documents requested as of yet and MD HAF has requested the documents be sent from Guaranteed Rate on multiple occasions. Guaranteed Rate is delaying the processing of my MD HAF application in order to prevent foreclosure. Due to Guaranteed Rate and the lack of response by not replying to MD HAF in a promptly matter on the several dates requested for the documents to be sent this is delaying the processing of MD HAF application and this is adversely affecting my credit score.
Product: Vehicle loan or lease

I the consumer and original creditor entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021 in which a finance charge took place ( # XXXX ) for {$58000.00}. This finance charge did not include the sum of all charges because I am billed every month for car insurance and was also forced to make a down payment which is also illegal and a clear violation of usc 15 code 1605 as stated by Congress. 

Navy Federal also failed to disclose my right to recission which or promissory note which violates usc 15 1635. I exercise my right to cease and desist pursuant use 15 1692c As the consumer I would like to request the name and address of the ORIGINAL creditor pursuant 15 usc 1692g ( b ). 

Navy Federal Credit Union shall cease collection of this alleged debt, or any disputed portion thereof until Navy Federal Credit Union : Obtains verification of the " alleged debt, '' verification of the name and address of the original creditor, and a copy of such verification is mailed to me by NAVY FEDERAL CREDIT UNION. 

This in NOT a request for " verification '' or proof, but a request for VALIDATION made pursuant to the above-named Title Section by LAW. 

Navy Federal is criminally ( usc 15 1693 ) and civilly ( usc 1611,1640 ) liable for double the amount financed and are liable to each FDCPA violation. Due to their unfairness and vital role in illegal activities, this has caused damage to my reputation and character. I am seeking remedy and would like to remit payments on all violations and illegal activities! I am also demanding that this " alleged debt '' be removed from all XXXX of my credit reports as it show inaccurate and untrue information that I never gave them permission to give away ( another violation ), By LAW, I am entitled to privacy. 

I will not hesitate to bring legal action against you and your client for violating the FCRA, FDCPA, TILA, and for Defamation of Character. If any accounts are frozen or closed for exercising my rights as a consumer and original creditor I will hesitate to bring legal action against you and/or your clients for violation of the FCRA, FDCPA, TILA, and for Defamation of Character. 

I require no more than 30 days to investigate this information, during which time all collection activity must cease and desist.
Product: Credit reporting or other personal consumer reports

I attempted to pay total balance in XX/XX/year> for my Target Card. There was a decrepency in amount due to late fees being applied. As a result of unknown fees and not receiving emails or paper mail, I did not know there was a balance due/. I found out only because XXXX notified me of 30 days past due negative report on account. I opened disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I was working in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted XXXX XXXXXXXX XXXX, XXXX, and XXXX to let them know that I was affected by the pandemic and would not meet my obligations in XXXX. I asked if I could skip the XXXX payment, which I would catch up on in XXXX when I received my income tax return. But because these accounts were closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus. The Cares act protects consumers and requires furnishers who call with a Coronavirus complaint to note current accounts. I was discriminated against because I faithfully paid what I owed to the credit card companies. Before XXXX of XXXX, I had never had a delinquent payment in my XXXXyear credit history. Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these four past due payments, my credit score has dropped over XXXX points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. 
I am a single parent whose ex-husband is a convicted fleeing felon, whom I have had no contact with since XX/XX/XXXX. I have two children. My daughter has XXXX, in which she continues to have multiple follow-up appointments out of state. My son has XXXX, which he was XXXX  for when I had the first financial hardship. I do not get XXXX XXXXXXXX and have no family to help me. I used credit cards to help me take care of my children. 
I would like for these credit bureaus to remove all four delinquent payments from these three banking institutions. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX Account Number : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX XXXX - RETAIL Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an increase on my loan amount from XX/XX/XXXXfor over XXXX, with XXXX XXXX XXXX. I have tried to talk to them to explain to me about these discrepancies. Today XX/XX/2019 I called 4 times and every customer service representative has either transfer me and hanged up on me before I can get this issue resolved. I am very disappointed as to how XXXX XXXX XXXX has handled this issue. These information appeared 2 weeks ago because on Equifax, XXXX and XXXX. I am trying to purchase another property and I can not do it without them changing the information. It appears to me that there is some fraud activity going on and they don't want me to know or to give up clarifying. I have requested for the Fraud Department mailing address and it was not provided to me. I wish some more people come forward and report any of these similar activities with their account.
Product: Debt collection

On XX/XX/XXXX I got a notice on my credit report about an account going to collections in the amount of {$520.00}. But I have no clue what this debt could be or where it came from. I never received any notice or verification of this debt. Not even a phone call to try and collect the debt before reporting it. I get a lot of spam calls so I don't answer the phone if I don't know the number. I wait till a message is left so I can confirm the legitimacy of the call. I tried to go on to South West Credit Systems website and make an account to verify this but all information I put says there is no record of it. And I am scared to call because I don't want to be pressured to pay a debt I know nothing about.
Product: Credit card or prepaid card

This is regarding my Citibank AAdvantage Platinum Credit Card. 

There was a company I had transactions with prior to XX/XX/XXXX. Sometime between XX/XX/XXXX and XXXX XXXX of XXXX, I had lost my card and noticed this within the next few days, at which time I called Citibank to report my card lost or stolen. There were 12-18 charges made between XX/XX/XXXX and XX/XX/XXXX on this card by this single merchant. When complaining to Citibank, they originally marked it down as fraudulent, some as dual charges, overcharges, or have not received the service. All of these were marked incorrectly and I therefore had to call back 7 documented times to report that these were UNAUTHORIZED charges and should therefore be removed from the account. Citibank has gotten responses from the merchant that there is verification of a charge. After reviewing the responses with Citibank, it was determined that there is no proof I made the charges, rather that my card was simply used. I was also informed that since Citibank did not document the dispute properly that I have a higher chance of losing. I spoke to people in group ID XXXX to discuss. One of those spoken to was XXXX who had promised to fix it all on XX/XX/XXXX. 3 more calls had to be made afterward and nothing has been resolved. Currently Citibank is charging me for over {$4000.00} of charges that I have not made. My response was to please prove that I personally made the charges being that there will be no way to prove it being that it wasn't actually me. Citibank at one time had the merchant on the phone on XX/XX/XXXX. Citibank was ok with the questions the merchant was asking such as : what is your social security number. This is all on the recorded call on that date. I do not believe a merchant has a right to ask that, nor do I believe Citibank should agree with such action. 

Overall, Citibank has treated me horrendously through the process and I am looking for some way to challenge these charges and not have to pay for charges I have not made.
Product: Student loan

I submitted complaint number XXXX on XX/XX/2018.  This complaint was answered by Navient and I did not received what I requested. I am requesting a letter of cancelation / payment. I made full payment of the loan and this abusive company still have not provided confirmation that I paid in full the loan. This situation is not acceptable, neither the ridiculous respond they provided, which is basically to call them. I called to a phone provided in Navient latest respond, the number XXXX requested a PIN I don't have. I need to get my letter of cancelation that I had been requested for more than 2 months now after submitting full payment on XX/XX/2018. Who is in charge here, the lawyers of this abusive company or the government, that seems to be not doing anything to put this abusive companies in line.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me : XXXX XXXX in the amount of {$520.00} Opened XX/XX/2011 XXXX XXXX Acct # XXXX ( I do not have additional information about this account ) The creditors said that social security numbers do not match so would not give me additional information. 
This account does not belong to me!
Product: Consumer Loan

My husband recently XXXX. Prior to leaving he submitted the required paperwork to USAA ( just as he had done for previous XXXX ). Recently we received a letter from USAA denying our SCRA benefits and they would not be lowering our interest rates to the 6 % let alone the 4 % that they advertise. They state that we incurred the debt after entering into this activity duty status, therefore we do not qualify. Since he just recently XXXX, this is not possible and the debts were previously incurred. After multiple XXXX and submitting this paperwork to multiple institutions USAA is the only financial institution that has denied the benefits. I would also like to note USAA did not deny our request for the previous XXXX. I was transferred to XXXX different associates that failed to assist me. When I spoke with one of the representative at USAA he stated that this benefit only applies to reservists, when they are called to activity duty.
Product: Credit card or prepaid card

I have XXXX accounts through Capitol One. I have an auto loan with XXXX XXXX interest which is fine but I have a credit card that all of a sudden jumped to XXXX XXXX interest which is absurd. I never miss a payment and always pay on time. Ive contacted them several times to get my rate lowered and they refuse. The agents Ive spoken too are not even in the XXXX and act completely unprofessional. I tried to get ahold of them on XXXX and the moment I discuss lowering my interest rate I hear nothing back. My credit is between XXXX and XXXX. They are charging me predatory rates and as soon as I noticed the increase on my monthly payment I contacted them but they neither explain nor help. The only thing this company did do is to raise my credit limit which is ridiculous and I never requested it. This should be illegal. Its not about the economy this company is greedy and predatory. This needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and requested the account related to fraud be blocked from my consumer report, it was blocked for 1 month then reinserted by Experian when the issue was already resolved and was concluded identity theft