23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The two accounts below are reporting on my XXXX and XXXX reports. Both accounts are over 10 years old and should be deleted. by law accounts over 10 years old are to be delete from credit report.

Account NameCAPITAL ONE Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$1000.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXXAccount NameCAPITAL ONE AUTO FINANCE Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$3000.00} past due as ofXX/XX/XXXX.

Status UpdatedXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This vehicle was a XXXX 's vehicle from infinity financial services back in XXXX I filed XXXX  XXXX bankruptcy XX/XX/XXXX of XXXX the bankruptcy was XXXX XX/XX/XXXX of XXXX infinity financial was advised that this vehicle was included in the bankruptcy they came and got the vehicle but for some reason after XXXX and a XXXX years they still have this account open on my credit report it should have been closed XX/XX/XXXX of XXXX I've also received a letter from infinity financial showing my account is open by long this account is supposed to be close his bows they are plain deceptic practice here
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit builder account with Self financial services in XXXX of XXXX. It was at this point when all the information I provided was verified. I began making payments and in XXXX of XXXX opened a credit card account with said services. I continued to make all payments on time. This went on until XXXX of XXXX when I received an email stating that my accounts would be closed. The reason they said was that my information couldnt be verified. This is a lie because all of my information was verified when I opened the account and nothing changed. The email said that they would pay out all the money I was owed within 14 days. Its now been a month and a half and I still havent received the money. Ive called and emailed them several times and have been unable to get any results about what information couldnt be verified or when I will receive my money. Ive since found out through XXXX that this company is known for doing this. I believe this is a scam in which they take peoples money and put it in high yield interest accounts in order to profit before returning the money to the people its owed.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balanced {$9900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights concerning the following accountXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX and account # XXXX XXXX5 U.S.C. 1681 SECTION 602A. 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group is reporting a debt on my credit file that I do not owe. This debt is not only past the statute of limitations. I have never received any information about this debt. No phone calls, letters, nothing!! This is a violation of my 30 day right to dispute and needs to be removed off my credit file.
Product: Checking or savings account

I had tax returns directly deposited into my XXXX  XXXX  account. Was told after XXXX  days of the last deposit, I would have my bonus money for the transactions. I have talked to them too many times to count and it hasn't went in my account yet. I've spent so much time speaking with them to lie waste my time. I demand compensation for this issue and time spent dealing with XXXX. I have reached out to an attorney as well due to all of the lies. It's been it's been over XXXX  months now
Product: Debt collection

I repeatedly sent the documents requested by CCS in order to prove the debt error. However, they continually sent me collections letters. They also told me I had to speak with XXXX directly since they were the company filing for collections when I spoke with XXXX they said they would have to transfer me to their collections department and surprise it was CCS, and begin the vicious circle of my past year. I repeatedly sent by fax as the operator told me to from CCS a letter stating why the debt was in error and the documents to prove the debt was in error. This however, never resulted in them, stopping the letters of collections, they have now sent collections to my credit report. We never owed XXXX for a policy. We canceled the policy and even removed it from auto pay and told the agency repeatedly that we were not renewing with them. However, they continually send me to collections for a policy that we did not use as we transferred to XXXX XXXX days before the XXXX policy was due to end, I have spoke with the agency from XXXX and CCS and neither party will stop pointing fingers. I have never used the policy that they are billing me for and have sent declaration pages to prove that yet they continue to send me to collections and now to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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

GM Financial Settled " Settled less than full balance '' their account that was opened in XX/XX/XXXX that is currently closed. They updated my credit reports showing different statuses on all 3 credit bureaus. The information they have on each report is different. 

On XXXX  PAYMENT STATUS states : " legally paid for less than the full balance '' with a STATUS UPDATED date of XX/XX/XXXX with an original balance of {$17000.00}. This shows positive on my report as it states PAID. 

On XXXX, there is nothing showing in PAYMENT STATUS, thus showing the account as derogatory. The date under STATUS UPDATED and BALANCE UPDATED is the wrong date ( XX/XX/XXXX ). 

On XXXX, under PAYMENT STATUS it shows " Bad debt/placed for collection & skip '' as opposed to settled/paid for less than full balance ''. Thus showing it as derogatory. Under the section YOUR STATEMENT, they filled in " settlement accepted on this account paid charge off ''. That is not my statement as I have not made any statements. They also put this under their comments. It would have been helpful if they put this under payment status instead. 

Since the account has been settled, could they please show that in the Payment status section as " SETTLED AS PAYMENT IN FULL FOR LESS ''. 

Either consistency or deletion is helpful. Thank you kindly.
Product: Credit card

I paid for a flight on XXXX XXXX, business class for me and my wife on XXXX. The return flight, our seats that were supposed to recline flat for rest on a XXXX hour flight, and the tv monitor with movies, did not work for me and my wife. The airline would not give us a partial refund from a very expensive flight ( {$3200.00} each for that segment from XXXX to XXXX ). I asked chase sapphire to intervene, claiming that the advertised perks of Business class were not provided to us. I asked for 10 % of the flight to be returned, which I believed to be very reasonable. The dispute was rejected, stating that the credit card company delivered the service by transporting us. 
My dispute is that I could have been transported in the baggage compartment and according to the cc company, that would constitute satisfaction of the terms under which I paid. The service I and my wife received was clearly not as advertised by the airline, and Chase should have worked this out for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Dispute Results XXXX The results of the dispute you filed on XX/XX/XXXX with XXXX are complete. XXXX here is the status of the item ( s ) included in your dispute XXXX XXXX XXXX XXXX  XXXX XXXX XXXX See Dispute Results-Details How should I read my dispute results? 
l Deleted means, we have removed the item from your credit report. 
l Updated means, we have updated one or more fields on the item based on the information you provided us with or that we received from the reporting company.

l Verified as Reported means, the reporting company has certified it is reporting the item accurately.

For an added convenience, use one of the below options to start a new dispute or check the status of a dispute in-process. 
Visit us at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ).

Dispute Results - Details Inquiries This section includes requests to view your credit report. There are XXXX types of inquiries - those that impact your credit rating and those that do not. Inquiries that do not impact your credit rating/score are those from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit report. 
We reviewed the Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Hard / Credit Score Impact XXXX XXXX Date : XX/XX/XXXX Confirmation XXXX XXXXXXXX Dispute Results XXXX The results of the dispute you filed on XX/XX/XXXX with XXXX are complete. At-a-glance, here is the status of the item ( s ) included in your dispute : q Inquiry : XXXXXXXX XXXX XXXX XXXX  XXXXXXXX the Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Hard / Credit Score Impact The reason you disputed this item : I didn't give this company authorization to access my credit report for this reason. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the XXXX credit report for up to XXXX ( XXXX ) years from the date of the inquiry. 
Here are a few things to know about the credit report dispute process If we were able to make changes to your credit report based on the information you provided, we have done so. Otherwise, XXXX
Product: Checking or savings account

Account was frozen XX/XX/20 for " further investigation. '' Capital One said they were working alongside the SBA to investigate instances of fraud, and were terminating our business relationship. ( Multiple agents with the SBA have informed me this is not true and my account is in good standing. ) I attempted to verify the validity of myself and my EIDL funding to Capital One XXXX  many times, but was simply told my account was " still under review. '' XX/XX/20, {$2400.00} was withdrawn from my account, with no information provided as to where it had gone. Account was closed on XX/XX/20 and a check for the remaining balance of {$3.00} was mailed to me. 

Per the initial email provided by Capital One XXXX, " Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account, '' however, Capital One XXXX  never contacted me further and provided no option to transfer to an external checking account. ( Note : " your '' linked external checking account. ) I filed a complaint with CFPB regarding this mess prior to the funds being withdrawn, but have been unable to reach the person who responded. " XXXX '' replied with a vague letter and phone number ( XXXX, ext. XXXX ) that has directed me to a voicemail on all six calls. I have left six messages over the past two weeks and have yet to receive a callback.

I have spoken with four different agents with the SBA since this began, and all four have assured me that the SBA is
not involved in this matter in any way, and just today confirmed that my EIDL balance remains at the original amount of {$18000.00}. If the {$2400.00} had been returned to the SBA, they would have been aware of this credit to my account and my balance would now be {$16000.00}. ( All SBA agents have said returning money to such an account via ACH is not even possible ).

I would like to be provided with evidence of this supposed transfer from Capital One XXXX, as I am beginning to feel I have literally been robbed. I do not care about continuing a relationship with XXXX ; I just want to know what happened to my money. 

My next steps will be filing a complaint with the SEC, seeking legal counsel, and pleading my case to every Capital One persona I can find on social media.
Product: Checking or savings account

Been trying for weeks to restore the link between my accounts to my XXXX account with no success ... .please help
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice I have fraudulent accounts. Please remove the fraudulent accounts. It is affecting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

First Complaint : Requests to freeze my credit have been submitted several times to Equifax Information Services LLC. In XXXX of this year, a freeze was requested with the date of XXXX XXXX XXXX  specified as the date to lift the temporary freeze. In XXXX of this year I applied for a HELOC with XXXX Bank. At this time the freeze placed in XXXX should have been lifted. 
XXXX uses only Equifax on credit inquiries, so while the XXXX temporary freeze had been lifted as requested, the freeze with Equifax was not. 
Several attempts, including those by the XXXX XXXX XXXX with whom I was negotiating with failed to secure the lifting of the freeze that should have been automatic on XXXX XXXX attempts were made using online access, and phone calls. The demands for identification were so complicated that my request was not processed. 
At XXXX time in the process, Equifax claimed it did not recognize, had never heard of me, despite the fact that I had placed a temporary freeze in XXXX XXXX 
After several failed attempts to have the freeze that should have been lifted on XX/XX/XXXX, XXXX more online effort was made to have the freeze lifted. This time the online response indicated the freeze had been lifted. By this time I had decided not to pursue the XXXX loan. 
In XXXX requests for a permanent freeze on my credit was made to all three credit bureaus. XXXX and XXXX confirmed they placed the freeze. Equifax once again sent notice on XX/XX/XXXX that it had never heard of me and asked for items to identify myself. The requested identifications were provided by certified mail return receipt confirmed on XX/XX/XXXX by a XXXX XXXX. 
Not having heard further, another request was made on or about XX/XX/XXXX. This time the request was made using Equifax 's " Security Freeze Request Form. '' The form requesting the same forms of identification that had been previously submitted several times before. 
On XX/XX/XXXX, Equifax sent a letter indicating it had once again received my request but said, " Unfortunately, we were unable to process your request because we need additional information. '' Then the same information that had been previously sent and received were requested again. 
While XXXX credit bureaus have permanently places the requested freeze, to be lifted only upon my request, Equifax has not done so continuing for whatever reason to say they never heard of me. 
The other XXXX bureaus have required extra effort to process my freeze request, but those requirements were met with some additional effort. Equifax on the other hand is nearly impossible to deal with repeatedly denying knowledge of me and repeatedly requesting the same identifications submitted to it numerous times previously. somwhat difficult to
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted to have multiple inquiries that I was not aware of and others that were done multiple times from one request removed from credit and was not assisted with this issue. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Page XXXX5 of 45 Requested On : XX/XX/XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXInquiry Type : Individual XXXX XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual
Product: Credit reporting or other personal consumer reports

I noticed inaccuracies on your Equifax reports on your mobile app, XXXX. XXXX report states 30 days late in XXXX, and the other states 60 days. Your company has violated the FCRA LAWS list below. Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ;
Product: Mortgage

Bank of America claims to have transferred servicing rights on my HELOC in XXXX  to another company during the Great Recession of XXXX. The XXXX XXXX Bailout occurred at that time as well. BOA was sued by the Federal government for fraudulent activity at the time, and was one of the largest lawsuits in American History on Real Estate.
Product: Credit card or prepaid card

On XXXX XXXX, 2023, I submitted my VISA debit card to my doctor 's cashier to pay the {$40.00} copay for my doctor 's visit. The card was rejected. ( Embarrassment! ) This was the second time US Bank VISA has blocked my credit and debit cards, so I was quite upset when I called them for a reason why. The reasons stated both times have been : " Protecting elderly customers from being scammed by unethical online businesses that have been flagged by their credit card business operations. '' My complaint : 1. No notice of blocking my purchases, only to find out at the time of my next purchase my card is rejected - as in local grocery stores or payments for medical visits ; 2. Credit/Debit card company deciding who I purchase goods from and where I spend my money ; 3. Credit card company deciding how I spend my money. 

The agent I talked with said a " phone message was left ''. I do not have access to my message system and their phone number lacks caller identification. They do have my email address. No further contact with me to advise they would be blocking my card! NO NOTIFICATION of blocking card. 

I have been a client with and had the same US Bank VISA card numbers for over 40 years, I have a XXXX credit rating. I make it a priority to pay off my card balances before payment due date ( which is why they don't value my business- I have never paid them a dime of interest! ). 

The rep. told me at the time of my call she was closing my debit card account - and did. The last time they blocked my credit card for online purchases, I didn't realize at the same time they had also blocked my debit card. Again, suffering embarrassment and stress! 

It is a real rigmarole to get my cards unblocked... several efforts talking with at least 3 operations reps and being placed on looonngg hold during call transfers- after which usage still rejected and more phone calls/transfers and waiting for change to kick in. 

I would like their system and methods of PROTECTING THEMSELVES from unscrupulous vendors kept in-house and NOT PUNISH card users for not knowing the vendors on their list! 

Thank you, XXXX XXXX