23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I believe that CapitalOne Bank and credit card company may have a ring of employees that steal and/or sell or leak previous card holder personal information. 
Why? Years ago I briefly had a credit card but closed the account. Then a few years later I checked my credit score and credit history and it showed another capital one card was opened under my ID. I then called capitalone and reported that I never opened it and to close it. Which they did. 

So, the previous fraud of my ID being stolen through capital one is suspicion. 

Then, today, I received two phone calls one right after the other ( sounded like the same woman but gave two different application reference numbers ) stating that they need more information to process my application. 

I phoned capitalone 's main number off their website ( XXXX # ) and XXXX transfered me to XXXX who claimed that the phone number XXXX was indeed capital ones fraudulent number. However, when I search online, I get conflicting claims. Some people claim its not capital ones fraud department while other 's say it is. So, obviously I am confused. 
But even if it's capital one 's number, the issue is the ongoing fraud that I and other 's have to fight due to capital one 's lack of security and possibly, the lack of honest employees. 
I told XXXX, the capital one 's representative everything I am writing here and that there is no way my personal information would be circulating as I have my credit frozen due to CONSTANT ID theft and sadly, I don't have a life and never give out my personal information. And, why do they steal from people? She said they are smart and use their intelligence to do so. I said they aren't smart as they steal from the poor and then I suggested perhaps they are within capital one. That right there, was a big red flag! 

She then backtracked and said that I could call the fraud phone number on capital one 's website instead of the ( XXXX # ) if it made me feel more comfortable. 

I truly hope CFPB the FBI and FTC will investigate this crime. And shut it down! 
And give restitution to all the victims! 

I also did a internet search and have seen sooooo many other people that have had their ID stolen through capital one 's lack of security ... or is it that they have a ring of thieves working for them?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many issues with my credit report as descibed in the attached letter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX all should be reporting the same information for account statuses and amounts. They are not. There are major differences in my report. XXXX is reporting delinquency on XXXX XXXX, XXXX XXXX, XXXX XXXX but TransUnion and XXXX doesnt show either account on those reports. I want these DELINQUENT ACCOUNTS REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX XXXX Experian credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX 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

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) I have already called XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Mortgage

This is a complaint regarding my 2nd mortgage. I have requested to have my mortgage refinance with my current lender. When I had requested the refinance previously I was told they would only subordinate for a refinance to my primary lender and not to another lender. So I am now trying to refinance with my primary lender. However, my primary lender has made the request and been declined. When I called to discuss it with the lender they tell me no request has been made. However, my lender has provided evidence that they have made the request and been speaking with them for some time. This has cost me a lot of additional money as I havent been able to refinance. This process began 4 months ago without my current lender, but the original request was made over a year ago. They have acted in bad faith and poor record keeping by changing reasoning for declining the subordination and not being aware of the subordination requests.
Product: Credit card

On XX/XX/XXXX a purchase was made on my Aspire MasterCard for {$860.00} from XXXX. 

I reported the unauthorized purchase on XX/XX/XXXX. They cancelled the account and sent me a new card and emailed me a fraudulent charge affidavit on XX/XX/XXXX. 

I returned the completed affidavit on XX/XX/XXXX with all information including that I was still in possession of my card and that I had had it throughout the month. 

On XX/XX/XXXX they let me know they had reversed the charge and were continuing with the investigation. 

In XXXX the charge was put back on my account. I called on XX/XX/XXXX and was told that XXXX supplied information saying the charge was made by me. I asked if the company could send me the information that supposedly came from me and reiterated that it wasn't me. The service rep told me they'd resubmit the claim for evaluation. She asked if I had any other information I could send and I answered " I don't have any other information since I had nothing to do with the charge or knowledge of the company. '' In XXXX, I realized the charge was still showing on my account. After a little phone tag, on XX/XX/XXXX I reached a rep who ( I think ) then transfered me to the XXXX department. She said the merchant form shows they had my name, email, ID and phone number which is why they overturned the case. I asked to be sent the merchant information. She told me I had to call the office that actually does the investigations and gave me a number. 

I called the number several times and always got a voicemail asking me to leave anumber and they'd call back the next day. I left a few messages and received no call back. 

On XX/XX/XXXX I left a message and someone called back on XX/XX/XXXX. But then they said they couldn't see the full information so I should call directly to investigation ( where I though I had left the message on XX/XX/XXXX ). After hanging up, I realized the number I had just been given was the same number I had called multiple times before. I went ahead and called it again and left a message but have not heard back. 

So I've seemingly never been able to reach the people actually in charge of the investigation and have not received any documentation from Aspire or XXXX of how the charge was received and why it was approved.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat theses reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$230.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance {$440.00} ; XXXX XXXXXXXX Balance : {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agreed to remove item from my credit report, however this company continues to report this fraudulent information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account 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 listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$220.00}
Product: Credit card

Company will only let me redeem my rewards points as a statement credit or direct deposit to the original checking account linked to the credit card. That checking account is closed. I have a {$0.00} balance and dont plan on using this credit card ever again. The company will not allow a direct deposit to another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXXDEPT OF ED Account Number : AMOUNT : {$4300.00} Reason : Account is fraudulent Account Name : XXXX/DEPT OF ED Account Number : AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX/DEPT OF ED Account Number : AMOUNT : {$2200.00} Reason : Account is fraudulent Account Name : XXXX/DEPT OF ED Account Number : AMOUNT : {$2200.00} Account Name : XXXXDEPT OF ED Account Number : AMOUNT : {$1700.00} Reason : Account is fraudulent Inquiries : XXXXXXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX ( BANK ) XX/XX/2023 XXXX XXXX  ( FINANCE ) XX/XX/202XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Heres a draft of a complaint to the Consumer Financial Protection Bureau ( CFPB ). Feel I am writing to formally file a complaint about UpliftXXXX loans and their severe impact on my credit, which has rendered me unable to secure a car loan. This situation is causing significant hardship as I am an XXXX XXXX and rely on my vehicle for my livelihood. 

I obtained loans through UpliftXXXX under the understanding that they were a convenient way to manage expenses. However, I have experienced the following issues : 1. **Unexpected Negative Impact on Credit : ** Despite making consistent payments, my credit score has been significantly damaged due to how these loans are reported to credit bureaus. This decline has made it impossible for me to qualify for a car loan, which is critical for my work as a rideshare driver.

2. **Lack of Clear Communication : ** The terms and potential risks associated with these loans were not adequately explained at the time of agreement. I feel the process was misleading, leaving me unprepared for the consequences.

3. **Excessive Fees and High Interest : ** The cost of these loans is disproportionately high, making it extremely difficult to pay them off without falling further behind on other financial obligations.

I believe these practices are unfair, deceptive, and predatory, targeting individuals who are in a financially vulnerable position. My ability to work and earn a living has been jeopardized because of the damage these loans have caused to my credit.

I am requesting that the CFPB investigate UpliftXXXX practices, including their reporting to credit bureaus and communication about loan terms. Additionally, I am seeking assistance in finding a resolution to restore my credit and improve my ability to obtain a car loan so I can continue earning a living. 

Thank you for your time and attention to this matter. I look forward to your response and guidance on how to proceed. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

My wife and I leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX , NJ. The lease was through Mercedes-Benz Financial Services . We decided to purchase the vehicle and received the payoff letter from XXXX on XX/XX/XXXX. We followed all the instructions and overnighted the check ( along with a package which included an odometer reading, copy of Florida drivers license, special Florida mailing instructions, a copy of the payoff letter, a Florida payoff checklist, a copy of our auto insurance, a signed Florida Power of Attorney/Odometer disclosure, a signed lease end inspection summary, a copy of the Florida vehicle registration, a signed certificate of emissions and the titling instructions ) for XXXX within the 10 day window. The check was mailed overnight on XXXX XXXX, XXXX, tracking number XXXX, and they cashed the check XX/XX/XXXX. We also included a separate check for XXXX made payable to XXXX XXXX and XXXX per the instructions from XXXX financial. This extra fee that XXXX XXXX requested was so they could register the vehicle in our name at our current Florida address. We were originally told that we would get the title in 10 to 14 days so we requested that it be sent to our NJ address. After not receiving the title by XX/XX/XXXX, we updated the request to have the title sent to our Florida address. We have contacted XXXX XXXX weekly by phone every week for the last XXXX months because we have yet to receive our title. On each phone call we are promised that the title is forthcoming. One of the excuses that we were given was that a title mistake was made when we re-registered the car to our Florida address in early XXXX. They blamed this on us (!! ) but this was also a problem with their title department... we did not initiate a title change at that time! 

It has been over over 15 weeks since we sent them our check and we have not yet received the title as of yet. In fact the last conversation we had with them on XX/XX/XXXX, we were told that we would not be getting a title in our name, but would be getting a payoff letter so we could register the title ourselves. This seems odd because we already paid XXXX to Sunstate Tag and Title and included that check ( per MBFS instructions ) in our payoff package sent to Mercedes Financial on XX/XX/XXXX. 

I have attached XXXX pictures showing the checks that they cashed and the receipt from our overnight package to them on XX/XX/XXXX. I have copies of all the other documents but they exceed the 10 megabit limit to upload with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I XXXX have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within 24 hours at the latest and I wo n't accept nothing no later.
Product: Vehicle loan or lease

On XX/XX/2023, I went to XXXX XXXX XXXX in search of a vehicle. My wife and I looked and found one we liked. They took down our information and at this time, no talk of financials happened yet. We did not even state we fully wanted the vehicle yet, we were just interested in price. They came back and told us that we could secure the loan with Ally Auto, but in " good faith '' we were required to put down a {$3000.00} CASH down payment in order for the bank to lend us the money. 

We were also not informed that XXXX different line items of " added service protection '' would be added to the overall loan, nor did we get any paperwork on any of it, except GAP insurance, which they told us we had to do. This resulted in an extra {$6000.00} attached to our loan. 

Not to mention our signatures on the retail buyers order, do not match our normal signatures, in fact they are not even close to my wife and I 's normal signature. We have reason to believe they were forged, and therefore this contract is fully fraudulent. 

They used deceiving, high pressure sales tactics to secure this loan, withholding information from us, that would have resulted in us walking out.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, this serious issue with Equifax and correction and or compensation to XXXX XXXX. WE DO NOT WANT FREE SERVICE ANYTHING WE WANT OUR WELL DESERVED AND LEGALLY DESERVING MONETARY COMPENSATION, IT'S WRONG FOR CFPB TO BE WORKING FOR THE COMPANY THAT HAS VIOLATED OUR TRUST AND ALLOWED OUR VITAL INFORMATION TO BE COMPROMISED. DO NOT ALLOW THEM TO WALK WITHOUT HAVING FULFILL THEIR LEGAL AND TO ADD MORAL OBLIGATION TO THE MILLIONS OF PEOPLE THEY HAVE HARMED.
Product: Credit reporting or other personal consumer reports

Salutations, My name is XXXX XXXX, I am writing to alert the credit bureaus of improper use of my reports. Ive certified mail my FCRA letter, ( attached below ) last month and yet to receive any correspondence. 

Firstly, I would like only my name to display on the report which is XXXX XXXX XXXX Every other spelling please remove. 

Also would like only my main residence to display : XXXX XXXX XXXX XXXX XXXX GA, XXXX Every alternate or additional address please remove. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction late payments are merely experiences, they should not remain on report once paying as agreed and resumed positively.

Kindly remove ALL late payments from each report.

I will also like any and all inquires removed as well, as I have not given any permission to inquire on my behalf, along with selling my information to third parties, and other consumer reporting agencies. Would like the report to reflect positively where all closed accounts especially the repossession, they are not needed, the debts been discharged and offset by XXXX XXXX XXXX. This is heavily weighing my scoring factor down. 

Again, Ive attached a FCRA letter for your review.

Thx and I hope we may resolve this matter in a speedy manner. 

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

The following account was part of my XXXX XXXX Bankruptcy and was XXXX on XX/XX/XXXX. Since this account was still being reported to the credit bureaus as of XX/XX/2023, I had a conversation about it with one of your representatives last month. However, since XX/XX/2023 it was reported as current up until XX/XX/2023. Now, its being reported as " XXXX XXXX ''. I filed the XXXX XXXX  XX/XX/2023, then ceased payments. The credit bureaus shouldn't receive reports of " XXXX off '' from accounts included in XXXX that they are reporting. 

United States XXXX XXXXXXXX XXXX # XXXX
Product: Checking or savings account

I noticed an unauthorized balance transfer on my savings account, amounting to XXXX from 3 different transactions. The transactions were made on XX/XX/XXXX, XX/XX/XXXX and XXXX. When I found out about it, I immediately reported it to Chase claims department. I followed up on my case today, XX/XX/XXXX and was told that the fraudulent transactions on my accounts were valid even though I told them that I never used my savings account to transfer money to an external account. I only do XXXX from my checking account. They said that if I have no other evidence to support my claim that it was fraudulent, there was nothing else they could do about it.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX - Realized my XXXX card with XXXX XXXX had been completely compromised with several transactions occurring outside of the country. The amounts totaled XXXX XXXX 2022 Received a letter stating investigation into {$34000.00} of charges had begun temporary credits issued. 

XXXX XXXX 2022 - Receive a letter stating that the credit issued in the amount of {$29000.00} was XXXX. 

XX/XX/2022 Receive a letter that the previous FINAL decision was reversed without any additional documentation whatsoever for charges I did not make. Impossible to escalate with bank after multiple phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you to help me with 2 JPMCB credit cards debt incorrectly reported in my personal credit bureaus files than corporation. The credit cards were issued to corporations, and I didnt sign any personal indemnification for them, and its still show up in my personal credit bureau reports. The cards were issued to XXXX XXXX XXXX and XXXX XXXX XXXX by Chase Bank. The directors used them strictly for business purchases. During the Covid-19 pandemic, the businesses went down and were not able to pay the creditors. The debt is still showing outstanding in my personal bureau file. I dispute it twice with 3 credit bureaus, but the Chase Bank refused to remove them, that wrongly reported. I ask under Fair Credit Reporting Act that the debt can be reported and moved to the corporations bureaus files from my personal. Once this happens, I would be able to settle for monthly payment with chase bank until paid off. This corporate debt is reporting in my personal credit reporting that prevent me from getting a career with XXXX XXXX and other careers that I pursue for living and debt payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING IN REGARDS TO THE DISPUTE IVE SENT OVER 30 DAYS AGO IN WHICH I GOT NO RESPONSE THIS IS UNEXCEPTABLE AND ITS A VIOLATION OF THE FCRA