23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Received letter for my mother, who is now XXXX and XXXX, that CapitalOne360 had an account in her name about to be turned over to the State of New Jersey. I am Power of Attorney and have sent Capital One the forms and notarized signature, authorizing me to assume control. My problem is that CapitalOne says I need to talk to the Security Team before I am authorized. Am happy to do this, but they do not answer their phone, they do not call me back. Contacted a manager, XXXX, in Customer Service, and he said he would try to connect me to them. But to no avail. Been on hold with him for 15 minutes now. He finally came back and said he can not get hold of his Security team now to talk with me. I made XXXX simple requests : The Security Team call me and for them to mail an account statement to my mother at her address on record. XXXX basically said he could not guarantee either. Just that he would " make the request ''. I give up. I can not spend an inordinate amount of time while CapitalOne holds the account hostage. Help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information regarding my personal credit report that is reporting inaccurate information. I have sent dispute letters to all three credit bureaus on XX/XX/2022 in regards of the inaccurate information that is currently still being reported on Equifax, XXXX, XXXX. The total amount is ( {$410.00} ) which is a collection account as well as other inaccurate accounts. This inaccurate information is hindering me from establishing new credit accounts and other things regarding business. I appreciate you in advance for looking into this matter on behalf of myself!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've checked my credit report and I'm studying my consumer rights. I've spotted an issue with account number ending in : XXXX from XXXX XXXX. There's a {$0.00} balance with a 60-day late payment, and this violates my rights under the credit reporting act. According to 15 USC 1681 Section 602, I have the right to privacy. In 15 USC 1681 Section 604A, Section 2, it's stated that a consumer reporting agency can't provide an account without my written instructions. Also, per 15 USC 166B, a creditor can't label a payment on a credit card account as late for any reason under an open-end consumer credit plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Tried to obtain auto loans and my credit was shopped around without my consent, the same thing happend when I tried to apply for some credit cards also. I checked my credit and saw that I had 84 hard inquires that I didn't recognize. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ATTENTION: (TransUnion) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 I WOULD LIKE ALL OF MY UNAUTHORIZED INQUIRIES, MY DEROGATORY REMARKS, LATE PAYMENTS, PUBLIC RECORDS, AND CLOSED ACCOUNTS, REMOVED. MANY OF THESE ACCOUNTS FALL UNDER THE STATUTE OF LIMITATIONS OR ARE MISREPORTING ON MY CREDIT REPORT. PLEASE APPLY THESE LAWS TO MY ACCOUNTS: THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 (2010) FAIR CREDIT REPORTING ACT (FCRA) 15 U.S.C.  1681 (FCRA) 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 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 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 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   TYPE OF ACCOUNT: OTHER COLLECTION AGENCIES ADDRESS: N/A   REASON: DON'T RECOGNIZE  PLEASE REMOVE ANY AND ALL UNAUTHORIZED INQUIRIES FROM MY REPORTS AS I HAVE NO KNOWLEDGE OF EVER FILING ANY OF THESE INQUIRIES OR GIVING ANYONE, COMPANY, OR CORPORATION PERMISSION TO REPORT ANYTHING TO MY REPORT OR WAS PRIVY TO ANY OF THESE FILINGS NAME OF INQUIRY & DATE: XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM MY ACCOUNT. I HAVE NEVER LIVED AT THE ADDRESSES LISTED BELOW NOR HAVE I GIVEN ANYONE AUTHORIZATION OF THESE ADDRESSES. INACCURATE ADDRESS AS STATED ON CREDIT REPORT: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS IN VIOLATION OF THE FCRA BY PUTTING A STATEMENT ON MY CREDIT REPORT THAT ADVERSELY IMPACTS ME WITH OUT ANY PROOF THAT I ASKED THEM TO PUT IT ON MY REPORT. 

on my credit report, attached is a copy of it. XXXX is putting a comment that says Dispute Investigation Completed. Consumer Disagrees. Updated XX/XX/XXXX. 

I have filed this complaint before as I never disputed anything with the XXXX XXXX accounts. What is funny is that XXXX removed this comment because they showed no dispute ever being filed by me. But XXXX and Equifax both think its funny to make false statements on my credit report and to violate the law. 

I am now demanding that they proceed by the law. Either produce written documentation verifying that I initiated a written dispute ( Which they cant because they did not recieve one ). I am demanding that this comment be removed completely from my credit report or I will reserve the right to hire a FCRA attorney and sue you in a court of law. I am not playing games here. 
You do not have the legal right to put anything on my credit report that is not validated or verified with proof. You guys have been found not to long ago to have compromised many thousands of people 's information because you are negligent in handling our personal information. 

I am demanding that this statement that I did not authorize because nothing was disputed and I am disagreeing with you on the fact that you are putting unauthorized, incorrect comments on my credit report. 

Remove or be sued!
Product: Credit card or prepaid card

1. Citi is currently offering a 0.99 % balance transfer thru XX/XX/XXXX online.

2. When I logged in to my account online and tried to choose the option to have this direct deposited into our account atXX/XX/XXXXXXXX XXXX XXXX XXXX  ( XXXX  ) I received a message that " The deposit account you entered is not eligible for this type of transaction. Please request a check by mail. '' 3. I called Citi and the CSR attempted to do the transfer herself and told me she could not complete the transfer because " XXXX  does not allow it ''. 4. I called XXXX  and was informed that they do not block deposits from ANY source, including Citi.

5. I called Citi AGAIN and went through the same process. Was informed it was " probably a restriction by Citi, not XXXX  '' and that they " did not do Check by Mail any more '' 6. I asked to speak to a supervisor who refused to tell me WHY there was a restriction and WHY they would not send a check by mail.

7. The supervisor disconnected us as we were again trying to explain the situation.

8. Citi has previously mailed us checks for a similar offer with a shorter grace period. the instructions indicate I can deposit these checks into my bank account or pay any other creditor ( besides Citi, of course ).

9. Basically, Citi is DENYING us access to our credit under more favorable terms, yet there is no indication of any limitations in the offer language on the website. You ONLY learn you can not use direct deposit as an option after submitting the request ( see # 2 above ).

10. Please note : This is the SAME checking account I PAY my Citi bill from. So, it appears they will TAKE money from this account, but not honor it like any other bank account for a transfer.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting or other personal consumer reports

XXXX/24 i sent Experian a letter asking them to verify information claiming to to be reported on my credit report. I have waited 30 days and they have not responded to my request and have not even let me know they are processing things
Product: Credit reporting or other personal consumer reports

The car was voluntarily repossessed in XX/XX/XXXX. I agreed with XXXX XXXX XXXX on XX/XX/XXXX, to pay {$1500.00} and the account would be deleted from my credit report. I did in fact pay the agreed amount and the account should be deleted. However, XXXX XXXX states it would remove the item in 7 years. My complaint is that it still remains on my credit report after 7 years. It is going on for 8 years now. The amount has been settled, the account has been closed since XXXX and the car has been sold. The previous complaint resulted in the company removing it from XXXX. The negative item still remains on Experian and XXXX. I have sent the company countless emails and they have not responded. I filed yet another dispute this week. I have paid the agreed settled amount and it has been more than 7 years. My Experian report shows it should have been removed in XXXX XXXX and the report shows XX/XX/XXXX. How long will this go on? I have paid the settlement amount as agreed. I have waited over 8 years at what point do I get a chance to move forward in my life? Do to a family hardship ( the loss of my father ) I could no longer pay the car note. I surrendered the car in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found XXXX  XXXX reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help
Product: Debt collection

I have no idea what the problem is with this company. They want me to verify my address and or social security number. Sorry, no can do.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, my wife tried to make a purchase on XXXX, but it got declined. My wife called me and said whats going on. I contacted Chase and I was transferred to multiple departments. Then I was told my account is being under review and therefore the card was declined on purchases. This was unnoticed and unforeseen. This kind of business practice is unacceptable. I have perfect credit history and no debts. I dont see the reason here as to why my account is closed. I called today XXXX/XXXX/XXXX and the lady told me my account is closed due to the short history with Chase Bank. With my credit experience in the past, I have never dealt with a bank like a Chase before. This is not how you treat prospective customers.
Product: Mortgage

We signed a modification in XXXX and in XXXX regarding XXXX XXXX XXXX XXXX, Washington D.C. and those delinquent payments were to be placed at the end of the loan and paid at maturity. But the servicer XXXX and XXXX XXXX has missed applied the payments by apply payments made pursuant to the modification to the delinquent payments which are higher than the monthly modification payments, At the time that the servicer XXXX computed the modification for XXXX they missed applied more than {$30000.00} to the delinquent payments that was to be placed at the back of the loan. 

Now XXXX  has applied current payments made pursuant to the XXXX Modification to payments that is not due until maturity. XXXX  has not given the borrowers a fair opportunity to make the payments pursuant to the XXXX modification or the XXXX modification because of their practices of entering into a contract and misapplying the mortgage amounts to the months which aren't due. 

It is clear that XXXX does not intend to respond to this agency regarding this matter. or to the owners complaints. XXXX will most like cut an past their answer. The XXXX Loan Modification was in writing and binding to all parties. I  agreed to the contract in writing to XXXX XXXX and XXXX XXXX confirmed my agreement via in writing. The borrowers did not received in other document in writing regarding the loan modification. The first payment was made on or about XX/XX/XXXX and a second payment pursuant to the Loan Modification was made in XX/XX/XXXX. The borrowers also made additional payments pursuant to the XXXX Loan Modification that totaled about {$36000.00}, in XXXX which was received by XXXX XXXX the servicer on XX/XX/XXXX. But XXXX  has not provided the borrowers with an explanation where or when that amount was applied to the mortgage. On or about XX/XX/XXXX the amount owed on the mortgage was XXXX which almost doubled with XXXX without any explanation as we requested. The last servicer amount due on the mortgage was pursuant to the XXXX Loan Modification and the XX/XX/XXXX lump sum payment the servicer transferred to XXXX. But in XXXX -- for some odd reason,
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by : 1. XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON DATE : XX/XX/XXXX 2. XXXX XXXX -- Unauthorized Credit Inquiry ON DATE : XX/XX/XXXX, XX/XX/XXXX 3.XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX4. XXXX -- Unauthorized Credit Inquiry ON Date XX/XX/XXXXXX/XX/XXXX5. XXXX XXXX -- Unauthorized Credit Inquiry ON DateXX/XX/XXXX 6. XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON DateXX/XX/XXXX I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.
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I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.
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If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
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Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I was shocked to learn that these accounts on my credit report were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) On XX/XX/XXXX XXXX XXXX ran my credit causing an inquiry on my consumer credit file with Experian. This was a violation of the rules concerning when it is legal to pull a credit report, as XXXX XXXX  sold the account to a collection agency on XX/XX/XXXX. As you can see they pulled it more than a year after they sold it to someone else. In addition I am attaching a letter I recieved from them as a result of filing a dispute. The letter indicates that XXXX XXXX   no longer has anything to do with the account. 

XXXX ) Account Resolution Service collects deficiency balances for XXXX XXXX XXXX, who finances for XXXX and is owned by XXXX. I voluntarily surrendered a car to XXXX and they subsequently sold the vehicle. They violated Florida law when they sold the vehicle without notifying me of the date, time and place of the intended sale at least 10 days prior to the sale. I am attaching the Florida Statute which is underlined and highlighted in the section that requires XXXX to notify me. 

Both have been disputed with Experian, and both remain on my credit file. By accepting the file from XXXX XXXX XXXX Experian has compounded the damage done to my credit, with an illegal action that caused the delinquency balance
Product: Debt collection

I noticed an entry from Diversified Con. on my credit reports trying to collect a debt that I do not recognize. I 've had no contact with this company or the XXXX they claim to represent. This has caused stress.
Product: Vehicle loan or lease

In XXXX, I entered a lease agreement with Ally Financial for my XXXX XXXX XXXX, set to expire in XXXX. As my lease approached its end, I reached out to Ally multiple times to request an extension but never received any information despite my efforts to follow up. The last communication I had with Ally was around XX/XX/XXXX, when I visited a dealership and was informed I needed a buyout agreement to purchase the vehicle. I was told that this agreement would be sent by mail and email, but I never received a copy. 

A few months later, in late XXXX or early XXXX, I contacted Ally again. A customer representative confirmed my account was in good standing and provided a copy of the lease, yet I still didnt receive the buyout agreement. Then, in XXXX, I was unexpectedly contacted by a third-party attorney who informed me that the vehicle was in repossession and had been charged off. I explained the situation, and he advised me to call Ally directly. 

From the week of XX/XX/XXXX onward, I called Ally Financial over 60 times, urgently requesting the buyout agreement and seeking to speak with a manager. I was repeatedly told that I couldnt speak to a manager in the escalations department as they would determine if a call was warranted. Despite these obstacles, I continued to call in an effort to resolve the issue, but I still wasnt provided with the necessary information. 

I was given until XX/XX/XXXX to settle the balance. I contacted multiple dealerships, including the one I leased the car from, hoping they could facilitate my purchase. However, three different dealerships indicated that Ally was either unresponsive or had grounded the lease, making it impossible for them to assist. Without the buyout agreement, and with the vehicle no longer in my possession, the dealerships couldnt verify the {$33000.00} amount Ally claimed was owed.

Due to Allys lack of timely communication and their delay in providing the buyout agreement, my vehicle was unfairly repossessed. Finally, on XX/XX/XXXX at XX/XX/XXXXwhen banks were already closed for the weekendI received the buyout agreement by email. The letter was also dated XX/XX/XXXX when it wasn't received on that date.
Product: Credit card

I had a Capitol 1 credit card. I always paid the balance every month. I received a text from them on XX/XX/year> that asked me if I had requested a {$100.00} cash advance from a XXXX XXXX in XXXX. XXXX XXXX. Reply Yes or No. I immediately replied " No ''. I called the phone # on back of card to question what was happening to my account. They told me someone had obtained a {$200.00} cash-advance, and then tried to get another {$100.00} advance. That's why I received the text. I examined my account and saw a XXXX XXXX, who resides in XXXX. XXXX XXXX with C/C ending in XXXX had made this Cash Advance. I ask why is this my problem when that is not my C/C number. That's when they told me he was an Authorized User on my account. I didn't know they even had authorized users, so they told me to go to Manage your Account and I would see his name. I went online, and saw his name and also that he had changed mailing address and my contact phone # to his in XXXX XXXX XXXX. I was never contacted by Cap-1 to add this user. I had them immediately cancel these C/C, and they did and there were no more charges made. they never removed the charges from my balance and I never paid it because I didn't make the cash advance. I called every month about this and they always agreed it was fraud. However, they never cleared my balance, and kept adding late fees, and interest charges. Recently they closed my account.