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

On XX/XX/2022 I called Capital one to advise that I had received an account closeout letter, due to no usage. My card was scheduled to Close on XX/XX/XXXX XXXX XXXX. I advised the representative I spoke to ( agent ID XXXX ) that I could not locate my cards, and would like to replace them prior to the account closing date. After a relatively long, and painful conversation, given that she seemed confused and what I know now to be ill informed, she reordered the card. I asked the Agent ( ID XXXX ) to please ensure that my account will not be closed, and to add notes, because I had every intention on keeping this account open, as it is the longest account I have. She assured me that the accounts would not be closed. After receiving the cards I made two attempts to use account ending in ( XXXX ) with no success. On XX/XX/XXXX, I called to confirm I had activated my card correctly, being I had been unable to use it. The first representative I spoke to first advised that she didn't see any cards had been issued, I told her I had the cards right in front of me. After putting me on hold she informed me that account # XXXX, had been closed. After telling me that she was unable to reopen the account I asked to speak with a supervisor. She transferred me to XXXX XXXX her supervisor ) who also informed me that she didn't have the ability to reopen the account. I asked XXXX if she can connect me with her supervisor who could help me and she advised that there is no one beyond her who I could speak to, who I could email, nor who could email me or reach out to me. Nor was she able to submit some sort of ticket for me to get me the help I need. She apologized and suggested that maybe online there was someone who could help there, which I did, and there isn't. 
I requested my card on XX/XX/XXXX. The card was sent out on XX/XX/XXXX, and my account was closed on XX/XX/XXXX ( prior to me receiving it by mail. I was ill informed by Capital ones representative that my account wouldn't be closed, and have been told that although the account has been closed for less than 30 days, they are unable to reopen it. The worst part of it all is that there is no one in a leadership position according to supervisor XXXX that I can speak to. I implore you to review the recording of the calls, in which I'm assuming are used for training and development purposes. Working in the financial industry for over XXXX yrs, I find it hard to believe that there in no one beyond a call center supervisor that I can speak to, to try to resolve this issue, or better understand why it is impossible to reopen an account that was most recently close, within less than XXXX days. I am truly disappointed at the lack of professionalism in the way Capital One conducts business, and the lack of skills, and training for employees of such an established institution. I will ensure that everyone person I engage with regarding, finances, extension or credit, lending, credit repair etc. is cautioned on doing business with such a XXXX institution, who easily receives peoples money but doesn't provide helpful, nor resolution resources to its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX
Product: Prepaid card

I am unable to use my Amex card at any online retailer. The payment does not go through.
Product: Mortgage

To whom it may concern, I live in XXXX  Florida, area that was heavily impacted by Hurricane Irma. I was given an option of forbearance by XXXX  for 3 months, after which period I would either pay full amount owed ( {$7000.00} and change ) or do a loan modification and trial payments. I was told multiple times that negative credit reporting would be suspended during forbearance AND trial period for loan modification. I was even sent the letter spelling this out.

I am in the TRIAL MODIFICATION program and have made ALL of my payments ON TIME and in FULL.

On XX/XX/XXXX XXXX XXXX XXXX has reported me to all three credit bureaus as delinquent on my loan.

As a result, my credit score has dropped by 88 points over night.

After your incorrect reporting to the bureaus, credit bureaus reported the same to all of my banking institutions, and as of today, my credit worthiness has dropped from excellent to fair. First one of my banking institutions lowered my credit card limit from {$50000.00} to {$3000.00}, second banking institution lowered it from {$22000.00} to {$1000.00}, and third one from {$20000.00} to {$750.00}. All of my balances above these laughable credit limits became due immediately, and interest started accruing.

At the same time, I was working on a loan for my business which was supposed to be closed today XX/XX/XXXX but has been put on hold indefinitely because I do not meet criteria for the loan anymore. My credit score is simply too low.

I have spoken with numerous employees of your company, from following departments : Natural Disaster department, Loss Mitigation Department, Customer Service department, which got me nowhere. Calls I made :XX/XX/XXXX Employee number : XXXX XX/XX/XXXX Employee number : XXXX  XX/XX/XXXX Employee number : XXXX   XX/XX/XXXX Employee number : XXXX At this point, your false reporting has affected me more than hurricane ever did. You destroyed my credit rating, my credit limits with various financial institutions ( which in order to be repaired even after you remove negative reporting would take hard credit pull for each of the accounts that were affected, which will again negatively affect me for the next 24 months ), prevented me and my business getting a business loan which we need to service clients order which has already been placed ( severely risking, me losing the said client ), and cost me a tremendous amount of time by bouncing me around different departments.

My livelihood and my familys livelihood has been severely affected by your actions.

I kindly ask you to do only what you already stated that you will.

Please do not report negative status and remove the reports that you already made as quick as possible.

Thank you.

XXXX XXXX XXXX XXXX XXXX P.S. The letter you sent me has been attached to this document.
Product: Consumer Loan

I bought a Toyota Camery XXXX on XX/XX/2016 from XXXX XXXX Toyota and I bought all the warranty they offered me includ Gab insurance and they explained to me that Gab insurance pays the difference if the private insurance did n't cover what I owe to the bank and the I had accident and was n't my fault I reported to my insurance and they paid me XXXX and They sent the check to Toyota and I was waiting for Gab insurance to kick in and pay the rest but I was surprised when they paid only {$390.00} and now I have to pay the rest which is almost {$9000.00} however, the GAB insurance should coverage but they cheated and lied to me and really I do n't know what I should do.
Product: Credit reporting or other personal consumer reports

Please refer to CFPB COMPLAINT ID XXXX. I incorrectly named the credit bureau I'm having difficulty trying to access. I need help with Equifax not XXXX. 
I received several emails from XXXX and XXXX that my social security number was compromised/breached from XXXX XXXX XXXX The same thing happened a few months ago from another agency ( XXXX, I think ) and all my credit bureau accounts except EQUIFAX are frozen. I tried to get help from EQUIFAX at that time but after being sent from XXXX agent to another they told me they would call back. Well, I forget about the incident until today 's breach. I can't login to EQUIFAX because it doesn't recognize my input but if I try to recreate the account it tells me I already have an account. This is the same unresolved issue from months ago. I'd like to access my EQUIFAX account so I can freeze my reports but I get no love from EQUIFAX. Can someone help me? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, the following list of accounts have violated my consumer rights to privacy and confidentiality. They have also violated reporting laws within the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - XXXX  # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXXhas violated my rights XXXX. XXXX XXXX - XXXX  # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXXXXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

XXXX I traded my existing XXXX KIA lease in for the purchase of a new XXXX KIA XXXX. Trade in negotiated by the Dealership, XXXX XXXX in XXXX CA. Deal accepted and I signed new loan docs showing the trade in and residual amt added to new loan. Signed a full Release of Liability same date and told to not make the following payment as they were sending the full payoff to Kia Finance. 
XXXX rec 'd a call from XXXX XXXX ( assoc with Kia ) that was a collection call on the XXXX KIA I traded in. ( 21 days later ) Explained I released the car XXXX and gave above details. Asked to make the past due payment to bring account current, then contact the dealer? Asked if KIA would not contact their dealer and answer was no. Asked for management. Called following day and again connected with a collector. I was told no payoff rec 'd contact the dealer. I went in to the dealership and spoke to their finance dept. They told me their check # XXXX was sent and cleared their bank XXXX for {$14.00}, XXXX. Now XXXX and I continue to get collection activity and the two are not talking to each other to resolve this matter. Only option I am being given is to pay for the car I no longer have by KIA. 5 coll calls, to discussions with reported KIA XXXX and discussions with XXXX XXXX has done nothing. KIA now shows I am 21 days late and the {$400.00} payment is up to {$810.00}. I am at my wits end and the " threat '' is the late payment will be reported to the credit firms. XXXX XXXX XXXX and I have NEVER had a negative credit report. Matter of fact two dealerships told me I had great credit. This will destroy that if the derog, to no fault of my own, is reported. Please help. I am stuck in the middle here. I will not pay for a car I do not have and have a Release of Liability form for.
Product: Checking or savings account

My name is XXXX XXXX I have an account with Chime and Chime has been playing some shady games with me, and is now unwilling to, and WIL NOT help me anymore. In fact since I filed a XXXX report against Chime Inc. they threatened to close my account and will no longer appropriately investigate my claims. 

I have filed multiple disputes with Chime over my account ( XXXX ) regarding merchant errors in transactions that I was overcharged for. I believe chime to be skimming my accounts. 
When I filed my disputes they gave me the line of you will have a credit WITHIN 10 business days, but then an hour after filing they would reject my dispute and not even investigate. Despite the fact I submitted multiple forms of proof. Including FBI REPORTS, letter from vice president of the company that handled my transaction CONFIRMING they accepted the dispute, etc.

One particular case I am XXXX off about is XXXX I have uploaded all necessary documents to their secure link and I have asked numerous times for the provisional credit to be released to me. 3 days ago, 2 reps lied on the phone saying I was to get the credit.

Regulation E requires ALL disputes to be issued credits within 10 business days, I am not considered a new account and it has gone well over 10 business days of course NO CREDIT ISSUED, only denial without properly explaining and showing tools used in investigations, as I have been demanded for documents of proof against my claim, so should they! 
This is among several disputes they denied inappropriately and wrongfully and multiple currently open, that I am owed a credit for. 

They are now taking credits back and denying claims, and when I ask for paperwork on it, they send me MY paperwork I SUBMITTED or just a XXXX TX number which doesnt change the fact I WAS CLEARLY OVERCHARGED and have evidence for this as well!!!! and now causing my account to go negative because of their negligence regarding these claims. 

If yall could have my credit issued to me for my open cases I would appreciate it very much. 

Please let me know what other details you may need. 
Also my number is XXXX if anyone needs to reach and speak with me. 
I appreciate you helping me get a solution in this matter.
Product: Debt collection

A sales representative knocked on my door asking me to try their XXXX XXXX product ( XXXX XXXX ). He said that the service was free for the first month, and that if I did not like the product I could return it within 30 days of set-up. Their equipment shipped out to me on XX/XX/XXXX. Their XXXX product consistently failed and I shipped the product back with a return label provided by XXXX on XX/XX/XXXX. I have email documentation. Afterward, I received a bill from XXXX for {$25.00} for billing period XX/XX/XXXX - XX/XX/XXXX. I contacted XXXX via phone. I asked if they had mistakenly charged me for the XXXX service, but they couldn't find me in their system. I was asked to contact their Fraud Department. I did and they were not able to help. I was asked to contact their Finance Department. I gave the finance department an account number on the bill they sent me. They verified that it was related to the XXXX equipment and also verified that I had returned the equipment within 30 days of set-up. They stated that they had created a cancellation ticket to remove the charge ( below ). 

Ticket # to reverse charge - XXXX I was told that it would take 1 to 2 billing cycles for the reverse charge to appear. They apparently did not correct anything, and in XX/XX/XXXX I received a collection notice from a debt collection company by the name of XXXX. I called XXXX and they stated they could not speak to me because it was not with the debt collection company. So I emailed XXXX all the documentation along with the information stated above. They did not respond after receiving my documentation. I assume they realized the debt was not legitimate. They apparently sold or transferred the debt to another company. I received a debt collection letter from Jefferson Capital on XX/XX/XXXX stating the debt was owned by them. I called Jefferson Capital and asked for an email address so that I could forward all the documentation I had previously sent to XXXX. They would not provide an email address and stated that I would need to mail any documentation. It seems that these companies can just keep transferring an illegitimate debt around and wasting my time with it.
Product: Credit card or prepaid card

On XXXX XXXX, I requested my XXXX XXXX credit card account numbers from Marcus by Goldman Sachs.As of this date I have not received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccuarte information on my credit file. There are several student loans that are reporting as late while they were in general forbearance. Every time i dispute these items they say they are verified but with whom? The loan servicer sent me documentation that the loans were in forbearance. They are other loans reporting late that were being consolidated and had a forbearance as well. The loan companies direct me to dispute with the credit agency and the credit agencies wanted me to get the loan agencies to update, Its just so much back and forth. The loan companies appear to have poor record keeping. They buy and sell loans and change owners and it get really confusing and the consumer gets hurt. There is also a bankruptcy on my report that I have disputed and requested validation that keeps coming back verified. The information is incorrect. The agent that I spoke with two days ago stated that there was a variation of my social security number so that may explain somethings. I just dont know. I do know that I am tired of disputing over and over again. I feel helpless and at the mercy of the agency. And the data breech with XXXX has made things so much worse. I had unauthorized inquires and everything. I just do n't know what to do. There is also a XXXX XXXX charge off that I disputed multiple times that I do not believe is accurate. I am sending over all of my documentation so maybe someone will look at it and take me seriously and help me.
Product: Checking or savings account

The ATM at Truist Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Phone number XXXX .At XXXXXXXX XXXX on XX/XX/year> I went to XXXX XXXX thru ATM to get at {$XXXX}. At the end of the transition it put up a error code stating that the machine was temporary to out of service and did not dispense my funds. I immediately call XXXX that's my bank and Truist Bank which is not my bank. I just stopped by there because it's close to my house not my first time using the branch. XXXX denied my claim. Without giving me any reason. Truist Bank isn't doing anything. The ATM has a camera I told him look at the camera. Or look at the codes. I'm not a banker I'm not a thief. I just want my money. I use XXXX credit builder. It's called a cash advance but it's comes directly out of my account the credit builder with XXXX does not let you have any money that you don't have personally to cover. It's not a credit card. You put money in it and it takes it out of the money you put in it
Product: Credit reporting or other personal consumer reports

The Biden-Harris Administration has forgiven my federal student loan ( s ) listed with MOHELA in full. But my credit report still shows full student loan balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

This account was opened on the following data XX/XX/XXXX in XXXX, XX/XX/XXXX in Experian.., this is wrond ... and the Date last active XXXX in XXXX and XX/XX/XXXX XXXX Experian. This is wrond this inaccurate obtain credit XXXX failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXXXXXX. Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Product: Consumer Loan

On my credit reports with XXXX, XXXX, and XXXX is a repossession from Volkswagen Credit , Inc. with a deficiency balance of {$2000.00}. 

I previously disputed this account information in XXXX 2015 with all XXXX credit reporting agencies and Volkswagen Credit , Inc. verified the accuracy of the account with all XXXX credit reporting agencies. 

I then sent letters directly to Volkswagen Credit , Inc. to attempt to resolve this matter. It should be noted that each credit bureau lists a different contact address for Volkswagen Credit , Inc. which obviously complicates the resolution process. Of the XXXX letters sent, XXXX was returned to me by the USPS as an invalid address ( which is a violation of the FCRA for a creditor to fail to provide proper contact information in a credit report ) and the other XXXX letters were ignored. These letters were sent Certified Mail, Return Receipt and I received confirmation of delivery for the ones delivered. 

A subsequent follow-up letter was also ignored. 

On XXXX XXXX, 2015 I sent Volkswagen Credit , Inc. another letter, to their Collections/Recovery/Credit Reporting department in XXXX, XXXX. In that letter, I reminded them of their obligations : Under the laws of the State of XXXX, the Uniform Commercial Code, and State RISA and MVISA statutes : A deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I requested such documentation be provided within 14 days, as is my right. 

As no such documentation was received by me within the allowed time-frame, the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>