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

Earlier this year I opened a secured credit card with Capital One after closing another account with a lower credit limit. The reason I closed the latter account was because Capital One constantly stopped me from being able to use my credit card because I was paying the balance on the card via my brokerage account. The first time the account in question was restricted by Capital One, I submitted them the paperwork to prove the account I was paying the card from was indeed an account owned by me. After waiting the two weeks to get the account unlocked, I continued to use it and pay the balance from the same account. Not much time passed and Capital One again locked my account from being used for the sole reason that I was paying the balance off. Instead of constantly proving my account was mine, I decided to close that account and open another one, this time a secured credit card. The security deposit for this credit card was {$840.00}, and I paid the balance from the same account, this time using the debit card associated with that account. Not too long after paying the balance on the card, Capital One again locked the account because they wanted to verify the account I was paying from was mine. I submitted the paperwork to them, again, to prove I was the account owner, and waited two weeks for them to validate it and unlock my credit card. After two weeks of having a locked credit card against which I had submitted an {$840.00} deposit, I decided to close the credit card. I had already gone through verifying the account I was paying from was indeed mine, but apparently Capital One decided to ignore that and have me jump through meaningless hoops to be able to use the credit card again. The credit card was closed on XXXX XX/XX/2021, I was told XXXX XXXX 2021, 15 days after the card was closed, I would be sent a check for the security deposit, less the balance on the card ( {$35.00} ). No such check has been sent to me. 

In the company 's first response, they stated they're waiting for me to prove to them again that I am the owner of the account that my payments were coming from. Something I've already done. This should not be a requirement for them to send me back money they have that is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, I XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  # XXXX, 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 that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Cares Act and the Heroes Act, XXXX XXXX XXXX XXXX Account # XXXX ) has violated my rights, XXXX XXXX XXXX  reported 5 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX XXXX  starting XX/XX/XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.
Product: Credit reporting

I went to XXXX to get my free report. Both Experian and XXXX noted that I had to print out a form and mail in my request. Further, I have to provide copies of XXXX separate documents "for my security". Mailing, in my opinion, is less secure than an encrypted internet connection. Could they make it any more difficult to get my credit report? This reeks of the ratings agencies, once again, making it as difficult as possible for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Because of the identity theft I ordered my XXXX  report and found the following inquiries that were not authorized by me : State Farm XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the following information is reporting to my credit report is information that i have no relation too. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that i owe a debt or consented for them to run my credit report. The following information is fraudulent. XXXX ( {$3600.00} ) # XXXX, XXXX XXXX ( {$110.00} ) # XXXX, XXXX XXXX ( {$44000.00} ) # XXXX, XXXX XXXX ( {$180000.00} ) # XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I authorized a wire transfer from Wells Fargo in the amount {$200000.00} to XXXX XXXX, c/o XXXXXXXX XXXX XXXX XXXX XXXX said there was an investigation and Wells Fargo issued a recall for the funds. XXXX still has the money. I have been trying to get my money back since the end of XXXX. Wells Fargo sent XXXX MESSAGES on XXXX, XXXX, and XX/XX/XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX  was able to locate the information and according to XXXX  they responded to Wells Fargo XXXX XXXX Message XXXX XX/XX/XXXX, and XX/XX/XXXX, XXXX. They have NOT received a response from Wells Fargo. Original Claim Number : XXXX - XXXX received a letter from Wells Fargo dated XX/XX/XXXX, stating the inquiry was closed due to no response from XXXX XXXX. Wells Fargo needs to locate those Swift Messages from XXXX and respond accordingly, immediately please. I have been Wells Fargo for over 35 years and would think situations like this would be handled efficiently. The new case number I received from Wells Fargo is XXXX. However, when I call in no one can find it. I even sent a letter to corporate in XXXX. NO RESPONSE. I have been trying to get my {$200000.00} back since the end of XXXX. And, to find out Wells Fargo received a response from XXXX on XX/XX/XXXX is quite upsetting. My husband is in an XXXX XXXX facility and I support both of us. I really need help getting MY money returned. My understanding is that a, " Hold Harmless Agreement '' needs to be executed. 
Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  credit breach and exposed my information. Companies never fall off and incorrect information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, Experian, and XXXX due to their failure to ensure the accuracy and verifiability of the information reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question, Account # XXXX, has multiple inconsistencies and inaccuracies across the three credit reporting agencies, as outlined below : Specific Errors in Reporting Contradictory Payment Status and Remarks : XXXX lists the account as " Charged off as bad debt, '' while Experian and XXXX state it was " Purchased by another lender '' or " Account transferred or sold. '' These discrepancies demonstrate conflicting reporting practices and raise questions about the accuracy of the data. 

Inconsistent Dates of Last Activity : XXXX reports the last activity as XX/XX/year>, Experian lists it as XX/XX/year>, and XXXX states XX/XX/year>. These discrepancies violate FCRA requirements under 609 ( a ) ( 1 ) to ensure accurate and reliable reporting. 

Illogical Credit Limit and High Balance Reporting : The high balance of {$600.00} is listed, but the credit limit is shown as {$0.00}, creating a contradiction and suggesting that the reporting is incomplete or unverifiable. 

Incomplete Payment History : XXXX and Experian report payment histories, yet XXXX does not, even while classifying the account as " Derogatory. '' This inconsistent reporting further indicates a failure to maintain accurate records. 

Legal Basis for Dispute Under 611 of the FCRA, all information on a consumer 's credit report must be accurate, complete, and verifiable. Given the inconsistencies and lack of verifiability outlined above, this account does not meet the legal requirements for inclusion on my credit file.
Product: Debt collection

This is a follow up complaint to XXXX-XXXX, in which 1 ) NPAS, working on behalf of XXXX XXXX XXXX, claims I never revoked TCPA consent and 2 ) XXXX XXXX XXXX, collecting on behalf of XXXX XXXX XXXX   contacting me illegally with an auto-dialer. I am writing to share additional information and to contradict inaccurate statements in the company responses. 

I have a recording of my conversation with NPAS on XX/XX/18 where I unequivocally revoked TCPA consent. Here is a transcript : Agent - " Do you give us permission to contact you on your cell phone using the automated dialing system or pre-recorded voice for future inquiries? '' Me - " No. '' Agent - " OK. '' This TCPA revocation was reasonable and valid, yet was not documented across my accounts with NPAS which, at the time, were accounts ending in XXXX and XXXX. The representative did not ask if my revocation was subject to one account or the other, yet a future representative notified me on XX/XX/XXXX that I had to call in separately for each account. My inclination, which I fully intend to prove through discovery, is that NPAS was managing and collecting on both accounts, but XXXX XXXX XXXX spelled my name incorrectly on one. That is the reason why they did not notate the account. 

When account XXXX was recalled from their office by XXXX XXXX XXXX and placed with XXXX XXXX XXXX, NPAS 's failure to honor my revocation resulted in me being contacted illegally by XXXX XXXX XXXX via autodialer on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( account name ) Credit Card - Revolving Terms ( account type ) is being reported to Experian incorrectly. The status says open, though it has been closed since 2014.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I received a promotional offer from Fifth Third Bank in regards to my HELOC. I was to receive 1.99 % if I used {$5000.00} or more to their line of credit. I had a balance I was paying 4 % on and decided to move {$8900.00} to 5/3. The online banking portal showed rate change PROMO APR 1.99 % ( 15 times on my screen ) so I thought good deal, that was easy. I got my statement and it showed my rate at 5.24 % so I called 5/3. After some run around, they told me I was n't eligible for the rate even though my screen showed I got it. I would n't have moved the money or would have moved it back sooner if the bank alerted me that I did n't qualify. After complaining to supervisors, they changed the rate to 1.99 % but will not make it retroactive to the date of the transaction. Meanwhile, I paid off the LOC because I had the money but wanted to use someone else 's money short term. The difference is about {$65.00} in interest, and that might not be a lot, however, if they are doing this to me, I 'm sure the bank is ripping off a lot more people. This practice is abusive and uses misdirection to make sure consumers are n't paying attention.
Product: Credit card or prepaid card

Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX  and TransUnion a dispute letter on XX/XX/2020 regarding two accounts on my credit report. Today is XX/XX/2020 and I have yet to hear a response to the investigation. Under federal law, they have thirty 30 days to complete their investigation and it has been well over 30 days. According to the FCRA, a credit bureau is required to respond within 30. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not they are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to no avail to get these fraudulent accounts removed off of Equifax. They have a glitch in their system they refuse to fix. These accounts are not mine and i have provided my case number to my fraud account from the police. These accounts are not mine and need to be removed : 1. XXXX # XXXX 2. XXXX XXXX XXXX  # XXXX and XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX 6. XXXX XXXX # XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX # XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Please promptly ensure the unauthorized accounts are blocked and removed from my credit report. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideratioN.
Product: Credit card or prepaid card

XXXX XXXX my husband and I purchased a large tile order in store at XXXXXXXX XXXX XXXXXXXX and opened a XXXX XXXX XXXX  credit card at that time with 0 % interest for 1 year. 
XXXX XXXX we realized the tile we purchased which we were given part of the order on site and the rest we were told was back ordered was actually discontinued. 
XX/XX/XXXX the company resolved the issue returning the tile already purchased and selling us a new tile that was not discontinued, we had to pay our contractor a large fee to remove the tile already installed XXXX XXXX we had paid off almost all of the balance except for {$600.00} at which time I called XXXXXXXX XXXX XXXXXXXX to understand when the 1 year 0 % interest ended because the statements were saying XXXX but we had returned and made a new purchase. I was told at this time that they would update the credit card company to tell them the XXXX purchase date XXXX XXXX the date had still not been updated so I called XX/XX/XXXXagain at which time i was told again it would be updated XXXX XXXX I paid off the remaining {$500.00} balance but when the statement arrived I had been charged interest as if I hadn't paid the balance in time for the 1 year as the still had not updated it to XX/XX/XXXX XXXX XXXX I call Comenity bank who tells me to file an official dispute and i upload evidence and receive format letters saying that the date of the ending of the 1 year interest free was on the statements and not addressing that I had been told it would be changed to the correct purchase date -XX/XX/XXXX and XX/XX/XXXX I call repeatedly to try to fix the issues XXXX XXXX I call comenity bank again at which point I am escalated to a manage who tells me I shouldn't pay the bill when I expressed my concerns that it is showing on my credit report as a delinquent account but rather to get a letter fromXX/XX/XXXX explain what has happened XXXX XXXX I work with the store manager who tells me they have asked corporate headquarters to communicate with the credit card company to resolve the issue after no resolution I called comentiy bank again and spoke to them for 2 hours and a supervisor told me she was going to investigate but I have still not heard anything back, I am being harassed by their collection branch who refuse to help me and my credit score goes down every month
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  whose information I believe is pulling on my report including inquiries. We have same dob and similar names
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion received my order of disputes on XXXX XXXX XXXX 

Transunion has passed its 30 day Allowable time. Now Transunion is in VIOLATION of my FEDERAL CONSUMER RIGHTS. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy : TRANSUNION DID NOT RECEIVE ANY OTHER RELEVANT INFORMATION FROM ME... For them to extend their Investigation Results... 

15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance This is MY SECOND NOTICE TO THE CFPB...
Product: Credit reporting or other personal consumer reports

I'm writing regarding all negative reporting accounts. Please remove all negative reporting accounts. It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures. According to 15 U.S. Code 6802, you are legally obligated to provide three specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S.

Code 6802 ( b ). 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Also kindly remove all addresses that are not my primary residence XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX 've attached my Drivers License along with utility bill, and SS card for verification. Anticipating positive results on your behalf. 

XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/. I went to XXXX XXXX XXXX XXXX in XXXX California, i wanted to insure my new car, after all the paper work they then asked for XXXX $ from my debit card, i gave the girl my debit card she swiped it, i pushed my pin number, IT GOT DECLINED. I checked my bank, WHY IS XXXX $ GONE, i tell the lady " no it went through '' and she said " no it didn't '' i requested a receipt but she could not give me a receipt for what out of thin air no purchase or anything she just couldn't i didn't purchase anything. I call my citi bank right there sitting down around XXXX and to this day the bank has ignored me, made me redo about 10 claims like its going no where i just want my money back from the FRAUDULENT insurance place or the Loop hole master CITI BANK i didnt waste XXXX $ for no service and for fun please help